ACRE Rwanda


ACRE Rwanda was incorporated in 2013 and is regulated as an Insurance Agent in Rwanda. ACRE Rwanda exists to provide insurance solutions that enable Rwandese smallholder farmers access and benefit from affordable insurance products that mitigate their risks and unlock access to agricultural credit. The company evolved from the Kilimo Salama project that started in Rwanda in 2012 with a feasibility study and pilots. The Rwandese company is fully owned by ACRE Africa. In 2012, Access to Finance Rwanda (AFR), with Ministry of Agriculture and Animal Resources (MINAGRI), contracted Syngenta Foundation for Sustainable Agriculture (SFSA) to undertake a feasibility study investigating the potential of developing crop and livestock insurance in Rwanda. For the study, ten crop value chains were analysed for commercial potential and feasibility for insurance, and then grouped by potential. Livestock came second after maize, narrowing down the priority value chains for ACRE Rwanda.
The ACRE Rwanda team works with farmers, cooperatives, aggregators, government officials and stakeholders along the priority value chain. It is critical all stakeholders clearly understand how the product works.


Throughout Rwanda, smallholder farmers are facing the effects of climate change. According to the 2015 Comprehensive Food Security and Vulnerability Analysis 2015 (CFSVA 2015), drought / irregular rains or prolonged dry spells was ranked number one among shocks causing small holders food shortage / insecurity. Excessive or erratic rains and drought threaten the livelihoods of billions of farmers in developing nations. These farmers who farm on 2 acres or less are among the most adversely affected by weather-related risks. After a bad season, they can lose their entire harvest, become indebted and lack the funds to buy quality seeds to start the next growing season. As a consequence, farmers are unlikely to invest in their farm and never make full productive use of their scarce land resources.


ACRE Rwanda is composed of a small team headed by Dr. Thomas Bazarusanga, the Country Manager. Thomas holds a PhD in Applied Epidemiology and population studies and an MSC from the Institute for Tropical Medicine, Belgium. He has practiced as an animal veterinary, bringing critical first-hand knowledge, working with MINAGRI early in his career. He has three years experience in agriculture insurance industry, insurance product development, sales and communication, previously working as Director of the IGAD Sheikh Technical Veterinary College in Somaliland. In Rwanda, he is a member of the Board of Veterinary Surgeons and has served on the Agriculture Sector Working Group (SWG) on EDPRS (Economic Development and Poverty Reduction Strategy), Livestock Focal person, Ministry of Agriculture, Kigali, Rwanda.

The team in Rwanda is involved in:

  • Client interface
  • Product development
  • Field implementation
  • Sales to clients for insurance products, linking insurance products to MINAGRI programs
  • Involved on climate risk mitigation advisory services, use advising to drive sales of ACRE Rwanda
    designed insurance products
  • Trainings with insurers, clients, farmers, MINAGRI and potential partners on insurance and new

Livestock Insurance

ACRE Rwanda insurance product targets smallholder farmers in Rwanda in order to mitigate the financial risk of investing in improved dairy cows. In the event the insured cow dies of a range of accidental causes as described in the policy document, the farmer quickly receives compensation so they can either repay the outstanding loan on the cow or purchase a comparable replacement animal. An innovative element of the insurance is coupling the livestock indemnity cover to a Care Calendar of routine animal health practices and vaccines to reduce mortality rates and improve dairy cow health. Without this Care Calendar element, the premium rates are too high for smallholder farmers. This complements, and helps track and enforce, MINAGRI current animal health policy and aligns with the government strategy.

Airport Road,
at Gisimenti before Kobil Station
near Sawa City Supermarket

P.O. BOX 6782
+250 788 644 585‚‚


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