The global insurance industry has spent centuries developing tools to manage risk, yet the people most exposed to climate shocks, from smallholder farmers to displaced communities, have historically been the least able to access them. Humanity Insured is an industry backed charity working to close that gap, with an ambition to make £2 billion in insurance coverage accessible to 30 million people by 2030, helping them build resilient futures and stay out of poverty.

In this episode, Jack is joined by Charlie Langdale, CEO of Humanity Insured, to trace the charity’s origin story, its funding model, and the early proof points emerging from its first programmes. Pravin Kalpage, CEO of Hollard International, then explains what drew Hollard to support Humanity Insured as a donor partner and how he sees inclusive insurance evolving across Africa over the next decade. Finally, Anne Kamau of AB Entheos introduces WILD Cover, a Humanity Insured supported product protecting rural households in Zambia from the financial risks of human wildlife conflict, while supporting conservation.


Episode Themes

• The origin story behind Humanity Insured
• How Humanity Insured is structured, who it funds, who its donors are, and how community designed insurance shapes the products it supports
• Early impact, including the charity’s progress toward its goal of protecting 30 million people by 2030, and what comes next for its programmes and partnerships
• What inspired Hollard to step in as a donor partner to Humanity Insured, and how that support connects to Hollard’s broader purpose across the African markets it serves
• Inside WILD Cover, the human wildlife conflict insurance product piloted by AB Entheos in Zambia’s Kafue region, and how it helps farmers safeguard their livelihoods while supporting conservation

Learn More

For listeners wanting to go deeper on the themes in this episode:

• The Telegraph explores how wildlife insurance is being used to protect people from animal attacks while easing the pressure on communities to retaliate against wildlife: “Wildlife insurance: protecting humans from animal attacks” 
• Humanity Insured’s blog on WILD Cover looks at how drought is intensifying human wildlife conflict in Zambia and how the fund is helping farmers stay resilient: “AB Entheos: WILD Cover, protecting people, preserving wildlife and promoting coexistence” 

About Our Sponsor
We are proud that CGAP is  the exclusive sponsor of Season 2! CGAP are a global partnership of 40+ development organisations working to advance the lives of people living in poverty through financial inclusion. Housed at the World Bank, its independent research and analysis is available to all as a global public good.

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