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Resilience & Insurance


Cenfri has deep insurance expertise from working with the insurance markets in Africa, Latin America and Asia. Insurance penetration in these markets is often low and we understand the need for responsible market innovation so that insurance fulfils its optimal role in building resilience, supporting business growth, and contributing to broader policy and development objectives.

The breadth of Cenfri’s insurance and resilience work spans diagnostic studies, development of global and regional standards and national regulations, technical assistance and innovation support (to regulators and the private sector), innovation studiesMSME-tailored resilience solutionsimproved risk management in response to climate-related events, and definitive work on cell captives.

Our partners include GIZ, Access to Insurance Initiative (A2ii), the UK’s FCDO (formerly DFID), the FSD Africa and other financial sector deepening trusts, the Swiss Capacity Building Fund, FSCA, Hollard, Santam, Old Mutual, AXA, Britam, Generali, the Microinsurance Network, UNCDF, UNDP, The World Bank, IFC, IADB and ADB. 

Governance, Policy & Regulation

R3Lab Toolkit: Regulating and enabling innovation

Innovation can enable insurance to become a powerful engine of growth and development across the continent, but achieving this requires that market players and regulators work together to build an ecosystem in which responsible innovation can thrive. For regulators, doing so means not only understanding the current state of innovation

Digital Transformation & Data

A decade of microinsurance innovation: promising or ‘meh’?

In October 2023, Doubell Chamberlain spoke to Rishi Raithatha about the impact that innovation and technology has had on the microinsurance market over the last 10 years. This is a short excerpt from the full interview. You can read more of the interview on the MicroInsurance Network site. Q: What

Resilience & Insurance

5 lessons for designing fit-for-purpose health microinsurance

Gakere is a 49-year-old mechanic from Nairobi, and like 77% of adults in Kenya, he does not have National Hospital Insurance Fund (NHIF) or private health insurance. “If I fall sick, I treat myself. As you can see I do very strenuous jobs and someone who does not have good

Exploring insurtech
Digital Transformation & Data

Insurance regulation and innovation: An assessment of 8 African insurance markets

To support regulatory authorities in sub-Saharan Africa in promoting inclusive insurance market development, there is a need to strike a balance between innovation and the accompanying risks that arise. FSD Africa set up the Risk, Resilience and Regulatory Lab (R3Lab)  as a platform for capacity-building and peer exchange to assist regulators deliver on

Resilience & Insurance

What will it take to build innovative insurance markets in Sub-Saharan Africa?

Despite the best efforts of sub-Saharan African (SSA) insurers, most African citizens and small businesses do not yet have insurance. Our recent research in eight countries – Kenya, Ghana, Nigeria, Rwanda, Ethiopia, Zimbabwe, Uganda and Malawi – shows that more than two-thirds of these populations remain without any form of

Webinar: Building the resilience of MSMEs in Uganda - Insights for the financial sector
MSMEs, Ecosystems & Economic Opportunity

Holistic risk solutions for MSME resilience in Egypt

Micro, small and medium-sized enterprises in Egypt Micro, small and medium-sized enterprises (MSMEs) play a fundamental role in the Egyptian economy – they drive more than 80% of GDP growth and 40% of total employment – but they face considerable risks that hinder their ability to thrive. Insurance could bolster

Nairobi, Kenya - February 6, 2014: Ripe fruits stacked at a local fruit and vegetable market on February 6, 2014. Nairobi, Kenya. The market is frequently visited by locals and tourists.
MSMEs, Ecosystems & Economic Opportunity

Private sector partnerships for MSME resilience: Learnings from Africa

Opportunities await insurers and tech providers who are willing to work together Insurance is a key tool that provides businesses with protection and resilience against risks and that enables them to better bounce back from shocks experienced. However – despite its potential positive impact – micro, small and medium enterprises

African Fintech Radar
Resilience & Insurance

Insurance Innovation Dialogue

About the Insurance Innovation Dialogue  To support insurance regulatory authorities in sub-Saharan Africa strike a balance between innovation and risk, FSD Africa set up the R3LAb as a platform for capacity building and peer exchange among regulators. In this process, FSD Africa partnered with Cenfri to conduct a study that