Reinforcing Sustainability through Agricultural Insurance: Models, Innovations, and Challenges in Building Climate-Resilient Agri Food Systems

DOI

10.2991/978-94-6239-772-9_10How to use a DOI?

Keywords

Agricultural Insurance; Weather Index Insurance (WII); Climate-Smart Agriculture (CSA); Sustainable Agriculture; Technology-Enabled Risk Management

Abstract

Agricultural insurance is proven to be one of the tools that can help improve the climate resilience for sustainable agricultural development and the financial security of farmers. In spite of its potentiality there are still many developing regions where adoption is limited due to understand this. The present study systematically reviews 73 peer-reviewed articles following the PRISMA protocol, and the results are synthesized through the TCCM (Theory-Context-Characteristics-Methodology) framework. Many studies concentrate on a limited set of developing regions chiefly China, India, and parts of Sub-Saharan Africa and predominantly examine crop and weather-index insurance schemes. Evidence shows that adoption is influenced not only by income and exposure to climate risk but also by institutional trust, social networks, previous claim experience, insurance literacy, and product design. The increasing use of digital and climate-smart technologies mobile platforms, satellite monitoring, remote sensing, and artificial intelligence has improved transparency, reduced basis risk, and expanded coverage. Agricultural insurance supports income stability, climate adaptation, risk mitigation, and more resilient farming systems. Nevertheless, widespread uptake remains constrained by affordability, delayed payouts, low awareness, and weak institutional coordination. This study contributes to the literature by integrating behavioural, institutional, sustainability, and technological perspectives into a cohesive synthesis of agricultural insurance adoption.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Litty Sylus
AU  - R. Pavan Kumar Raju
PY  - 2026
DA  - 2026/09/07
TI  - Reinforcing Sustainability through Agricultural Insurance: Models, Innovations, and Challenges in Building Climate-Resilient Agri Food Systems
BT  - Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
PB  - Atlantis Press
SP  - 115
EP  - 135
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-772-9_10
DO  - 10.2991/978-94-6239-772-9_10
ID  - Sylus2026
ER  -