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International Research Institute for Climate and Society

Dinku, T.; Giannini, A.; Hansen, J.; Ines, A.; Kaheil, Y.; Karnauskas, K.; Lyon, B.; Madajewicz, M.; Mclaurin, M.; Mullally, C.; Norton, M.; Osgood, D.; Peterson, N.; Robertson, A.; Shirley, K.; Small, C.; Vicarelli, M.

This report documents the process and results of the index insurance design effort leading to the index insurance contracts for Adi Ha in 2009. This report represents deliverables 1 and 2 in the terms of reference with Oxfam America, it outlines and compares analysis and design methodologies including the performance of rainfall simulators for index-based contract design. It also details contracts, methodologies, associated issues, and important lessons learned. A separate project report details the Experimental Games, deliverable 3 in the terms of reference.

IRI has delivered contracts and methodology with a significant portion of the effort provided without cost to Oxfam America. This includes contributions from several external researchers who have contributed time at no cost. Substantial funders who have provided additional sponsorship include NOAA, NSF, (through its CRED DMUU center at Columbia), the Columbia Earth Institute postdoctoral program, the Columbia University Lamont postdoctoral program, and an Earth Institute CGSD seed grant.
The insurance effort is one component of the Oxfam HARITA project, with the insurance designed to target key gaps left in the HARITA holistic climate risk management portfolio. Because this report focuses on the insurance contract design, it does not provide a comprehensive overview of the full climate risk management strategy, although it does refer to particular components in discussion of design issues. For a complete overview of the risk management and adaptation portfolio, the reader should refer to Oxfam HARITA project documentation.

Many partners have participated substantially in the contract design effort. Major partners in this project include the Relief Society of Tigray (REST), Dedebit Credit and Savings Institution (DECSI), Nyala Insurance Company, the Ethiopian Productive Safety Net Program (PSNP), the Government of Ethiopian National Meteorological Agency (ENMA), Swiss Re, Mekele University, Oxfam Horn of Africa Regional Office, and Oxfam America (project coordinator). Any successes of this project depend strongly on the outstanding effort, skill, active engagement, and level of insights from the partners. Crop modeling parameters were obtained from LEAP and Mekele University. This project benefits strongly from groundwork and ongoing index insurance projects in Ethiopia and elsewhere by WFP and the World Bank CRMG.


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Encyclopedia of Global Warming & Climate Change
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International Research Institute for Climate and Society
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March 13, 2024

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