Analysis of Smallholder Farmer Participation in Agricultural Insurance in Kano State

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Agricultural insurance can help farmers manage production risks but uptake remains low. This study analyzed smallholder participation in agricultural insurance in Kano State. Data were collected from 250 farmers including 80 insurance participants and 170 non-participants. Results showed an insurance uptake rate of 12% among surveyed farmers. Factors significantly influencing participation included education, farm size, access to credit, extension contact, and previous experience with crop loss. Non-participants cited high premiums (62%), lack of awareness (55%), distrust of insurers (38%), and complex procedures (42%) as barriers. Participants reported satisfaction with claims process but concerns about coverage adequacy. Recommendations include premium subsidies, simplified products, and awareness campaigns.