Humanity Insured
UK-registered charity that funds insurance premiums for climate-vulnerable communities in ODA-eligible countries, enabling access to parametric insurance products triggered by satellite-based climate thresholds and delivered through NGO, government, and local insurer partners.
- Company typePrivate
- Founded2024
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Humanity Insured does
Humanity Insured is a UK-registered charity (registered number 14904836, charity number 1209214) founded in 2024, operating with approximately 13 employees from a London headquarters and a Delaware-registered US affiliate foundation. The organization funds insurance premiums on behalf of climate-vulnerable communities in ODA-eligible countries, bridging philanthropic capital with the insurance industry to make parametric climate insurance accessible to populations that cannot afford commercial coverage. Its portfolio spans drought insurance, flood insurance, extreme heat parametric policies, tropical cyclone insurance, NDVI-based vegetation-index drought coverage, parametric crop yield insurance, and a wildlife-human conflict product (WILD Cover). All products trigger pay-outs against predefined thresholds measured through satellite-based weather data, rainfall indices, temperature readings, wind speed feeds, and vegetation indices, with disbursement typically executed via mobile money and local insurer partners.
The organization was conceptualized at COP26 in 2021 in response to Prime Minister Mia Mottley's call for the financial sector's tools to protect the most vulnerable, and was officially launched in September 2024 by Howden and nine founding partners, with operations commencing in October 2024. Since launch, Humanity Insured has engaged 16 implementation partners across 16 countries, including Tearfund, the World Food Programme, UNHCR, Mahila Housing Trust, HERA, AB Entheos, SunCulture, Blue Alliance, Frontier Markets, One Acre Fund, Mama Bank, and the Government of Togo. Documented pay-outs include £5.84 million to the WFP Syria program enabling food assistance to 117,000 displaced people (June 2025), £261,243 released in Pakistan ahead of drought impact (May 2025), and £80,000+ to smallholder farmers in Malawi (February 2025).
The business model is grant-making rather than revenue-generating in the commercial sense: donations from private philanthropists, family foundations, and corporate insurance industry partners fund the premium grants. Founding and supporting donors include Howden, Allianz, AXA, QBE, Everest, Hiscox, Tokio Marine Kiln, Beazley, Inigo, Dual, Hollard, The Fidelis Foundation, and the Howden Foundation. The organization has publicly committed to an ambition of making £2 billion in insurance coverage accessible and protecting 30 million people by 2030. Non-insurance services such as climate resilience training, livestock vaccination, and climate modelling complement the core premium-grant model.
Humanity Insured firmographics
Firmographics- Name
- Humanity Insured
- Legal name
- Humanity Insured Limited
- Website
- https://humanityinsured.org
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- UK-registered charity that funds insurance premiums for climate-vulnerable communities in ODA-eligible countries, enabling access to parametric insurance products triggered by satellite-based climate thresholds and delivered through NGO, government, and local insurer partners.
- Ownership category
- akta.pro rank
Where Humanity Insured is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Humanity Insured business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Philanthropic Donations: Humanity Insured receives donations from private philanthropists, family foundations, and individual donors. These funds are used to grant insurance premiums for vulnerable communities in ODA-eligible countries.
- Corporate Insurance Industry Partnerships: Insurance companies (Howden, Allianz, AXA, QBE, Everest, Hiscox, and others) provide founding support and funding to enable the charity's mission of funding climate insurance for vulnerable populations.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Humanity Insured product offering
Product offeringCore offering
Humanity Insured is a grant-making charity that funds insurance premiums for climate-vulnerable communities in ODA-eligible countries. The organization enables access to parametric insurance products (drought, flood, extreme heat, tropical cyclone, and crop yield coverage) whose pay-outs are triggered automatically by predefined climate thresholds and delivered through mobile money systems. Insurance products are co-designed with the communities they protect and delivered via partnerships with NGOs, grassroots organizations, local insurers, and global insurance industry backers.
Product overview
Humanity Insured is a charitable organization (not a traditional SaaS platform) that funds insurance premium grants to enable vulnerable communities in ODA-eligible countries to access parametric insurance solutions. The portfolio consists of grant funding for various climate insurance products including drought insurance, flood insurance, extreme heat insurance, tropical cyclone insurance, crop yield insurance, and wildlife-human conflict insurance. These are delivered through partner NGOs and organizations, with supplementary services including climate resilience training, livestock vaccination programs, and climate modelling. The organization launched as an independent charity in October 2024 following its founding at COP26.
Differentiator
Problem solved
Functional benefit
Products and services
- Insurance Premium Grant Funding Core grant program that funds insurance premiums for vulnerable communities most exposed to climate risk, enabling access to parametric insurance solutions for drought, flood, extreme heat, and tropical cyclone coverage.
- Drought Insurance
Quantifiable outcome
- 117,000 people in Syria received food assistance following £5.84M insurance pay-out
- +2 more outcomes
Companies that use Humanity Insured
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
Humanity Insured technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Humanity Insured partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core partner.
- Tearfundcore partnerTearfund implements drought insurance programs for smallholder farmers in Nepal, Malawi, Pakistan and Ethiopia. Farmers have received over £80,000 in Malawi and £261,243 in Pakistan through triggered pay-outs.
- World Food Programme (WFP)core partnerPartnership with WFP for drought insurance protecting displaced families in Syria. £5.84 million pay-out in June 2025 enabled food assistance to 117,000 people. Includes broader public private partnership with Global Shield Financing Facility.
- AB Entheoscore partnerAB Entheos works with governments, private sector, and development partners to design WILD Cover - drought insurance and compensation fund for farmers in Zambia. 131,200 people protected across 2 years.
- UNHCRcore partnerPioneering partnership with UNHCR to protect refugees and host communities in Malawi's Dzaleka settlement. Featured in London Insurance Market podcast discussion.
- Blue Alliancecore partnerBlue Alliance works with governments to build and manage Marine Protected Areas. Tropical cyclone insurance provides direct pay-outs within 10 days for coastal communities in Philippines. 11,200 people protected.
- Mahila Housing Trust (MHT)core partnerMHT is a grassroots organization in India empowering women. Extreme heat insurance initiative protects women informal workers in Gujarat's low-income urban communities. 26,000 people protected, women played central role in designing the solution.
- HERAcore partnerHERA is a women-led climate adaptation NGO. Comprehensive heat protection package combines parametric extreme heat policy with cash layers for women in India. 225,000 people protected.
- SunCulturecore partnerSunCulture provides solar-powered irrigation systems linked with parametric drought and rainfall insurance for Kenyan farmers. 64,997 people protected. Pay-outs cover loans so farmers can continue using equipment.
- Government of Togocore partnerAfrica's first locally-led flood insurance initiative launched at request of Mayor of Kpalimé. Community members and local authorities co-designed the insurance product with a local insurer. 694,841 people protected.
- One Acre Fundcore partnerOne Acre Fund client farmers in Kenya protected by drought and crop yield insurance funded through Humanity Insured. Farmers report ability to keep children in school and put food on table during lean seasons.
- AXA XLcore partnerSean McGovern from AXA XL UK & London Market Group participated in podcast discussion on Humanity Insured's pioneering partnership with UNHCR.
- Mama Bankcore partnerMama Bank is listed as a partner organization working with Humanity Insured to support market vendors and coastal communities.
Scale indicators12 records
Recent moves8 records
Expansion highlights6 records
Humanity Insured competitors and assessment
Company assessmentBroad incumbents
- Mercy Corps: Large humanitarian NGO with established climate insurance and anticipatory finance programs (often partnering with MiCRO and Swiss Re). Comparable as a humanitarian implementer and donor in the same parametric insurance-for-vulnerable-populations space, though broader in mandate.
- Zurich Insurance — Climate Resilience Program: Major commercial insurer running climate resilience and parametric insurance initiatives in vulnerable markets, often through its foundation. Comparable as both a potential funding donor and a competing (or partnering) provider of parametric climate products to emerging markets.
Emerging players
- Start Network: Network of humanitarian NGOs operating anticipatory action and pre-arranged financing mechanisms for climate and disaster response. Comparable for its mission of pre-arranging rapid funding before disasters strike, overlapping with Humanity Insured's parametric pay-out model.
- Global Shield Financing Facility: G7-led facility providing coordinated climate disaster risk finance and insurance support to vulnerable countries. Explicitly named as a partner in Humanity Insured's WFP Syria initiative, indicating active collaboration in the same climate-vulnerable insurance space.
Direct peers
- African Risk Capacity: African Union-affiliated parametric drought and disaster insurance pool providing rapid pay-outs to African member states. Highly comparable as it underwrites climate parametric risk for vulnerable African populations — the same continent where Humanity Insured operates programs in Malawi, Zambia, Kenya, Ethiopia, and Togo.
- Blue Marble Microinsurance: A specialty microinsurance platform that designs and distributes parametric and traditional insurance products to underserved populations in emerging markets, often through NGO and fintech distribution partners — directly comparable to Humanity Insured's model of funding and distributing parametric climate insurance to vulnerable communities.
- CCRIF SPC: Caribbean parametric catastrophe insurance facility offering tropical cyclone, earthquake, and excess rainfall policies to Caribbean governments. Directly comparable to Humanity Insured's parametric cyclone product in the Philippines and its parametric drought/flood policies more broadly.
- Centre for Disaster Protection: UK-based organization advancing pre-arranged disaster risk finance and insurance solutions for developing countries. Comparable to Humanity Insured for its mission to scale anticipatory climate finance through parametric insurance, often co-funding pilots in overlapping geographies.
- InsuResilience Solutions: G7/V20 InsuResilience Global Partnership vehicle developing climate and disaster risk insurance solutions for vulnerable populations. Comparable to Humanity Insured for its mission and target beneficiary base, and may serve as a co-funding or coordination partner.
- Microinsurance Catastrophe Risk Organization (MiCRO): A reinsurer and product designer enabling parametric microinsurance for low-income households in Haiti and Latin America, supported by Swiss Re and Mercy Corps. Comparable to Humanity Insured for its parametric product architecture serving vulnerable populations in emerging markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Humanity Insured social profiles
Digital presenceHumanity Insured financial estimates
Financial estimateRevenue estimate
Valuation estimate
Humanity Insured leadership team
Management profileNumber of profiles
Profiles9 records
Humanity Insured funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Humanity Insured M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Humanity Insured
What does Humanity Insured do?
Humanity Insured is a grant-making charity that funds insurance premiums for climate-vulnerable communities in ODA-eligible countries. The organization enables access to parametric insurance products (drought, flood, extreme heat, tropical cyclone, and crop yield coverage) whose pay-outs are triggered automatically by predefined climate thresholds and delivered through mobile money systems. Insurance products are co-designed with the communities they protect and delivered via partnerships with NGOs, grassroots organizations, local insurers, and global insurance industry backers.
Is Humanity Insured a public or private company?
Humanity Insured is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Humanity Insured founded?
Humanity Insured was founded in 2024. It employs 11 to 50 people.
Where is Humanity Insured based?
Humanity Insured is headquartered in London, United Kingdom, in the Europe region.
How does Humanity Insured make money?
Two revenue lines are on record. Philanthropic Donations are the primary driver. The others are corporate Insurance Industry Partnerships.
Who are Humanity Insured's main competitors?
Broad incumbents on record are Mercy Corps and Zurich Insurance — Climate Resilience Program. Emerging players are Start Network and Global Shield Financing Facility. Direct peers are African Risk Capacity, Blue Marble Microinsurance, CCRIF SPC, Centre for Disaster Protection, InsuResilience Solutions and Microinsurance Catastrophe Risk Organization (MiCRO).
Does Humanity Insured have an API?
No public API is recorded for Humanity Insured.