Innovative Digital Approaches


to tackle agricultural insurance challenges

As a long-standing partner to specialized agricultural insurers, KMSE brings together its technological expertise with the deep agricultural knowledge of these insurers.

The strength and longevity of these partnerships enhance KMSE’s ability to deliver tailored solutions that meet the unique needs of every agricultural sector—whether it’s large-scale farming, livestock, viticulture, arboriculture, or other specialized areas.

Proven expertise in agricultural insurance crop coverage

against climatic risks

To effectively address these new challenges, new agricultural insurance models must meet the following criteria:

  • Proven expertise in agricultural insurance and crop coverage against climatic risks.
  • Accessibility for all structures, from large corporations to local farmers.
  • A high-performance, agile, and modular solution.
  • Adoption by specialized agricultural insurance companies.

KMSE’s specialized expertise in multi-risk agricultural insurance and crop coverage against climatic risks (hail, frost, drought, etc.) enables specialized insurance companies to offer policies precisely tailored to the realities of farmers and their crops, providing optimal multi-risk coverage. All KMSE software solutions and associated services ensure full compliance with specific agricultural regulations (such as FSN 2023) as well as general legislation.

Overview

What is KMS Multi-Risk Agricultural Insurance?

A specific extension of our Life and Non-Life insurance software, KMS Multi-Risk Agricultural Insurance excels in:

  • Coverage of assets and guarantees (farms, crops, livestock, etc.)
  • Crop insurance availability.
  • Management of multi-risk agricultural insurance (hail, storm, frost, water damage, drought, etc.)
  • Coverage for horticultural and market gardening greenhouses.
  • Adaptation to agricultural insurance processes and sector-specific regulations.

AGROTECHNOLOGY

Digital Innovation

Enhanced by AI, our flexible and customizable software meets the current demands of agricultural insurers who need to optimize their risk assessments by:

 

  • Enhanced Understanding of farmer profiles and crop risks (disease, climate, etc.),
  • Expanded Data Collection from agricultural IoT sensors, satellites, and weather information,
  • Strengthened Automatic Risk Analysis: detecting anomalies, assessing each farm’s risk exposure, monitoring crop growth, weather impacts, and diseases affecting yields,
  • Scenario Simulation for estimated impacts of potential incidents (crop type, rotation, plot location, losses, crop rotations, etc.),
  • Optimization Reports to support yield improvement and replicate best practices in agricultural management.

Functionalities

Our Highly Customized Multi-Risk Agricultural Insurance Solution

With an innovative combination of configurable features and advanced technology, our agricultural multi-risk insurance management software is distinguished by its ability to adapt to agricultural risks, offering the following functional capabilities:

  • Contract Management:
    • Quotations
    • Policies
    • Contract amendments
  • Subscription and Management
  • Accounting
  • Operations
  • Claims and Related Services
  • Commissions and Intermediaries

Artificial Intelligence accelerating digital transformation

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Artificial Intelligence accelerating digital transformation

Artificial Intelligence has been a cornerstone of KMSE since its inception. Our commitment to AI is not just a trend but a fundamental part of our technological backbone, shaping all our business modules. Our algorithms are designed to enhance the relevance of your offers and policies, whether they are standard or highly customized, ensuring a long-lasting client relationship through superior service quality.

Recognized for excellence, the KMS insurance management software has been honored with dual certification from Finance Innovation (French Global Competitiveness Cluster); a global competitiveness cluster, and was distinguished by a panel of insurers at the Insurtech Business Week in 2017.

Pôle de compétitivité mondial
Pôle de compétitivité mondial

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