Insurance · specialised vertical
Observe the agricultural exposure of an area, without acting as an insurer.
Wakama gives insurers dated, sourced observations of vegetation, areas and field conditions to inform underwriting, season monitoring and event verification. Product design, pricing and claims settlement stay with the insurer.
Wakama is not an insurer and presents no insurance partnership or insurance product on this site.
Gap to history
−14 %
Marked gap for three weeks across a group of neighbouring cells. A targeted field check is proposed before any report.
- 01Area observed
- 02Persistent gap identified
- 03Targeted field check
- 04Observation report sent
Fictitious area, cells and values. Simulated vegetation index. The report documents observations; it is not a loss assessment.
01 /Who it is for
For insurers and agricultural cover programmes.
For teams who need to understand an agricultural exposure or document a season event with observed facts.
- 01
Underwriting
Vegetation history and context for an area or a group of plots.
Before
- 02
Season monitoring
Compare the current season with history, area by area.
During
- 03
Event verification
Dated observations and targeted field checks after a reported event.
After
02 /Inputs and deliverables
Dated observations, not opinions.
Each deliverable separates what is observed, what is estimated and what is missing.
What is observed
- Areas or plots defined with you
- Vegetation series over several seasons
- Weather data where stations exist
- Targeted field checks on request
- Declarations shared by your teams
What is delivered
Area observation report
Gaps to history, affected cells, dates and sources.
Season monitoring
A periodic reading of the season across agreed areas.
Event file
Observations before and after a reported event, with their limits.
Targeted checks
Field findings at designated points, documented and geotagged.
03 /Capability status
What is demonstrated, piloted or available.
To avoid any confusion, each capability is shown with its status.
- 01
Demo
The interfaces on this site, with fictitious areas and values, to show the method.
On this site
- 02
Pilot
A limited perimeter (area, crop, period) defined with an insurer to test the value of the observations.
To scope together
- 03
Service
Area observation and targeted checks, with coverage and frequency confirmed area by area.
As available
04 /Roles and limits
Wakama observes and documents. The insurer carries the risk.
Wakama carries out no insurance activity and plays no part in the relationship between insurer and policyholder.
What Wakama does
- Observe vegetation and area context
- Compare the season with history
- Carry out targeted field checks
- Document observations and their limits
What the insurer keeps
- Product and cover design
- Pricing and underwriting
- Loss assessment and claims settlement
- Policyholder relationship and liability
Limits and dependencies
- Vegetation index depends on passes and clouds
- Resolution suited to areas and plots, not individual plants
- Weather stations not available everywhere
- No claims settlement or regulated loss assessment capability
05 /Getting started
Test on one area before any commitment.
The maturity of the insurance vertical depends on the cases tested: we prefer a narrow perimeter and readable results.
- 1Meeting
Demo
Walk through a fictitious area, its gaps and a typical observation report.
- 2Deliverables
Historical area
Re-read a past season on a chosen area and compare the observations with your data.
- 3Tailored
Season pilot
Follow an area over a season, with agreed targeted checks.
Next step
Pick an area. We show you what can be observed there.
A short meeting to understand your underwriting or monitoring needs and see the method on a fictitious area.