Verify the parcel. Verify the loss.
FarmHawk Umbra gives crop insurers satellite-powered parcel verification, loss event detection, and automated claim evidence — at the individual parcel level.
97%
of African farmers hold no crop cover
The problem
Insurers cannot underwrite what they cannot measure at parcel level. Area-yield indices are too coarse for individual policies, loss assessments rely on manual field visits that are slow and expensive, and fraudulent claims are difficult to disprove without a spectral baseline. The result: crop insurance remains unviable for smallholders, and the protection gap widens.
How Umbra works
STEP 01
Parcel mapped with consent
Each insured parcel is geo-referenced and registered with farmer consent — creating the verifiable unit of cover.
STEP 02
Continuous satellite observation
Sentinel-2 and Sentinel-1 imagery tracks vegetation health, soil moisture, and crop stage throughout the policy period.
STEP 03
Loss event triggers verification
When a weather event or crop anomaly is detected, the system triggers an automated verification workflow against the parcel record.
STEP 04
Claim validated against spectral history
Claims are assessed against the full spectral history of the parcel — before, during, and after the reported loss event.
Key capabilities
Parcel-level verification
Every insured parcel is geo-referenced, mapped, and continuously observed — no sampling, no proxies.
Loss event detection
AI-driven anomaly detection identifies crop loss events from satellite imagery, correlated with weather data.
Historical spectral baselines
Multi-season spectral baselines for each parcel enable accurate deviation analysis and loss quantification.
Automated claim evidence
Pre-packaged evidence bundles with satellite imagery, spectral indices, and weather correlation for each claim.
Per-policy pricing
Parcel-level risk data enables granular, actuarially sound per-policy pricing instead of area-based averages.
Interested in Umbra?
Umbra is in planning. Register your interest and we will keep you updated as we build.