LIFE BeAdapt

Parametric insurance for climate risk in agriculture: satellite and IoT data, automated damage verification, payouts settled by smart contract.

Between 1980 and 2023 extreme weather and climate events cost the European Union some EUR 738 billion, and agriculture is among the most exposed sectors: around EUR 28 billion of damage a year, largely uninsured. LIFE BeAdapt works to close that gap with parametric insurance: the payout is triggered when a climate index measured by satellites and field sensors crosses a threshold — with no loss adjuster on site — while verifiably logged adaptation practices lower the premium. AgriZapp builds its technological backbone: IoT devices, blockchain platform, dashboards.

What we're building

Field IoT network & drones — rain gauges, soil moisture probes and temperature loggers on the pilot farms, plus drone surveys supporting damage quantification

Satellite data integration — Copernicus series (precipitation, soil moisture, NDVI anomalies) fused with ground measurements to produce objective, auditable triggers

Blockchain platform — a tamper-evident ledger of the adaptation practices logged by the farm: irrigation, cover crops, sowing and harvest dates

Smart contracts for payouts — once the threshold is crossed the payment fires automatically: from the 60–90 days of traditional loss adjustment down to 7 at most

Dashboards for three roles — farmer (risk traffic light and coverage status), insurer (indices, portfolio, payment history), public authority (aggregated regional data)

Project website & channels — website, pages on the partners' own sites, social campaigns and outreach materials for farmers and insurance distributors

The protection gap

Total losses Insured share

Agricultural losses from climate events and the share actually insured, in EUR million (Lang–Rohm, 2022). The gap is wide everywhere, but it weighs most on the individual producer in Italy: some 74,000 farms are insured out of more than 770,000 beneficiaries of CAP payments (ISMEA), and in some of the project's target regions fewer than 10% of farms hold any cover against climate risk.

How it works

From index to payout with no loss adjuster on site: satellites and sensors feed a climate index whose threshold — calibrated on the crop and its phenological stage — fires the smart contract that settles the loss. Adaptation practices logged on the platform flow back as a discount on the following season's premium, tying the economic incentive to prevention.

Consortium & pilots

Forty-eight months, from 2026 to 2030, coordinated by the University of Florence (DIEF, DAGRI, DSG) with CNR-IBE, Sapienza University of Rome, the National Observatory of Athens, Generali, ASNACODI and UNAPROL. AgriZapp leads WP3, technological integration and product development. Pilots run on farms in Calabria (Tenute Librandi, Agr. Ferrocinto), in Emilia-Romagna and Friuli Venezia Giulia (Genagricola) and in Veneto (GLA), covering olive, vine and cereals; replication is planned in Tuscany, in an island region and in at least two further Member States. Co-funded by the European Union — LIFE Programme, call LIFE-2025-SAP-CLIMA.

Information

AgriZapp srl
VAT Code 07217980486

Where we are

Via Lorenzo Fibonacci 27, 50131, Firenze

info@agrizapp.it

Credits