The picture-based crop data for insurance agencies (PBI) will provide much accurate crop assessment using smart phones technology, this new technology aims to minimize costs of loss verification, easy access and deliverable solution to reach out to every single farmer. Combine that with the smart phone
technology product from the company along with the weather station data support and Drone based aerial crop assessment, and farmers must able to better negotiate their coverage based on real-time data and much accurate data.

Picture-based crop insurance – How it works (source: International Food Policy Research Institute)

  1. Farmers download crop insurance app in their smartphones.
  2. Create account and login, multiple crop site location options
  3. Upload crop pictures regularly from sowing to harvest for same
  4. After cultivation, local agronomists analyze the pictures to verify
  5. Farmers who suffered crop damage receive insurance payout

The Picture-based crop data for insurance agencies (PBI) project was recently profiled in an article in The Indian Express. The picture-based insurance research conducted by the International Food Policy Research Institute (IFPRI), and implemented in partnership with the Borlaug Institute for South Asia (BISA), HDFC Ergo General Insurance, Limited, and researchers from The George Washington University, Boston University, and Ghent University.

Read more about PBI please click links below

  1. Picture-based crop insurance: Is it feasible? Using farmers’ smartphone pictures to minimize the costs of loss verification https://www.ifpri.org/publication/picture-based-crop-insurance-it-feasible-using-farmers%E2%80%99-smartphone-pictures-minimize
  2. Picture-based insurance: is it sustainable? Effects on willingness to pay, adverse selection, and moral hazard https://www.ifpri.org/publication/picture-based-insurance-it-sustainable-effects-willingness-pay-adverse-selection-and

We are working with insurance groups and there are some really neat things coming for the farmer with these technologies, “For example, if a hail event comes through on Monday, the farmer could be paid on Tuesday and they don’t have to wait for weeks for a payment, they could move forward right away.


Conventional crop or livestock insurance relies on direct measurement of the loss or damage suffered by the farmer. However, field loss assessment is normally costly or not feasible, particularly where there are a large number of small-scale farmers or where insurance markets are undeveloped.

Weather Analytica provides weather data (rainfall, temperature, humidity, pressure, soil moisture and soil temperature)) from local to regional at high-resolution datasets. Our team collected data from various sources such as station observed meteorological datasets, satellite derived products such as rainfall accumulation and rainfall rates, Satellite based cloud imagery for storm detection, and also utilizes model based accurate high-resolution soil condition (dry or wet soil) maps.