On November 6, IPA and the CGIAR research program on Climate Change, Agriculture, and Food Security joined forces to bring together researchers, donors, and practitioners in a half-day research development workshop at the International Microinsurance Conference in Lusaka, Zambia. The goal of the workshop was to generate dialogue between researchers and insurance practitioners to learn how they can work together to design, implement, and evaluate innovative, evidence-driven insurance products that have business potential and show promise for social impacts.
State of the evidence and research gaps in agricultural insurance and climate risk
As climate change intensifies, there is a greater urgency to address agricultural risk, which reduces the incentives for farmers to invest, perpetuating poverty for those who are most vulnerable. Evidence shows that policies that encourage adoption of formal insurance can lead to more productive agricultural investments. Reducing basis risk, bundling with other risk management strategies to help farmers mitigate the effects of climate change, and harnessing technology without compromising the social equity of insurance access remain important research gaps.
Presenter: Berber Kramer, International Food Policy Research Institute (slides)
State of the evidence and research gaps in consumer protection
Appropriate consumer protection is central, not only to ensure the financial well-being of the poor, but also for commercially successful insurance products to emerge. Without a robust consumer protection framework, even the most educated and capable consumers are likely to have difficulties trusting insurers and making prudent financial choices. This presentation will summarize the key issues for consumer protection in insurance markets and will discuss the state of the evidence and important research gaps.
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