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IFAD - Making agricultural and climate risk insurance gender inclusive: How to improve access to insurance for rural women

Rural women’s work is concentrated in agriculture, which is the sector hardest hit by climate change. As part of a holistic approach to managing agricultural risk, insurance schemes can reduce producers’ vulnerability, strengthen their livelihoods and build their resilience. However, they are often designed and delivered without considering women’s needs, excluding female producers and restricting the growth of the insurance market.

The importance of factoring in women’s needs and constraints during the development of insurance schemes has been recognized at the highest international level with the Sustainable Development Goals (Goal 5). Moreover, an inclusive approach that takes account of all population groups – women, men, young people and others – can lead to the development of insurance products that are more valuable to clients, and help build sustainable insurance markets.


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