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Overall, these gender-responsive approaches identifiedare a good start but by far not up to the potentialthey could have, if implemented more broadly, andconsistently. The identified gender-responsive approaches havebeen successful but lack a systematic and strategicgender focus that will ensure the sustainability ofthe approaches.Sex-disaggregated data in the rare cases whencollected is often not analyzed or used to informproduct design or indicate gender impacts.The levels of female leadership and participation inthe workforce of CRI schemes is unknown.There is a guidance gap on gender-responsiveapproaches to CRI practices and a lack of goodpractice evidence and data on existing genderrelated practices.The study proposes short-, medium- and longer-termrecommendations relating to the work under theInsuResilience Global Partnership to increase awarenessand drive practices to increase gender-equitable access toand impact of CDRFI. For the short term: for example, sex-disaggregateInsuResilience Global Partnership s Vision 2025 target of 500 million poor and vulnerable people, and provideguidance to collect gender and sex-disaggregatedimpact data of schemes.In the medium term, integrate gender lens criteriain investment decision making of future schemes;adapting infrastructure to collect sex-disaggregateddata; and to create an advisory facility to supportschemes which integrate gender, and to fund thecollection of learnings and good practice of what worksand what doesn’t.In the longer term, ensure disaster data is sexdisaggregated for the V20 countries, that genderconsiderations and use sex-disaggregated data in itsrisk modelling, existing disaster databases, and tosupport the creation of vulnerability mapsSESSION 2Gender-Responsive Approaches To Climate AndDisaster Risk Finance And Insurance In PracticeParticipants of the webinar were divided into two breakoutsessions, one focused on the macro level and one on themeso and micro levels. The outcomes of these sharingsessions provide insights on how the different models couldbe more gender responsive, how to improve the value ofthese models, and on the roles of different stakeholders insupporting gender responsive CDRFI models at all levels.// Page 5

// LIVE TALK 01Micro and Meso models of CDRFIModerators: Katherine Miles, InsuResilience SecretariatGender Consultant, Emily Coleman – Agricultural InsuranceTechnical Lead, INSURED / PARM, International Fund forAgricultural Development (IFAD)Under the micro and meso breakout session, two pollquestions were initiated: the first set of poll questionssought to explore whether the participants have beeninvolved in the implementation of CRI products andschemes; whether proactive steps have been taken toidentify gender difference in risks to inform productsdesign; and had any participants taken steps to supportthe distribution and servicing of women clients. Theresults revealed that only one participant had worked onimplementing CRI products, with a few participants havingalready taken steps to identify the differential risks andimpacts of climate disasters on women. The second polllooked at the collection of sex-disaggregated date withthe majority of participants actively collecting but fewconducted evaluations to understand better the differentialimpact if CRI pay-outs on beneficiaries.flagship program. The outcome of integrating genderconsideration in the design and implementation ofthe program is that 60% of the beneficiary farmersare women in the project countries – Malawi, Kenya,Zimbabwe, Ethiopia, Senegal, Burkina Faso andZambia. Participatory processes could be made moreeffective by designing applications with memorytriggers to understand impact of risk i.e. the differentways women and men recollect bad climate events,and how it impacts on their daily lives. For example,this approach has been undertaken by InternationalResearch Institute for Climate and Society (IRI) throughthe use of a gamification tool. There is a need to consider accessibility issueswhich could create gender biases within projects.For example, mobile phone access, applications,connections to web may be different between menand women. Therefore, if a project implements aparticipatory process which relies on mobile phoneaccess, women may be unfairly represented in thisexercise. Such research is necessary in the designphase of programs to better understand the genderdifferences and risks of the different client groups andidentify the distribution channels of CDRFI schemeseither directly or through partners. Institutional policy frameworks could supportgender-responsive approaches across projects.The case for gender consideration in the designand implementation and in the collection of sexdisaggregated data, like in the case of Platform forAgricultural Risk Management (PARM), stems frominstitutional policies that aim to support both womenand men in agricultural insurance management andbecause gender consideration is a requirement fromdonor agencies.Key discussion points: Sex-disaggregated data is important for genderresponsive product design, implementation andevaluation, as it is important to understand how menand women experience impacts of disasters differentlyand how the solutions could be tailored on the basis ofthis understanding. It is also important for identifyinggender barriers within programs and provides insightsinto how a program could be adapted to removeidentified barriers. A comprehensive monitoring,evaluation and assessment system captures sexdisaggregated data from generic household data andshows the evolution and impacts of the scheme/program. Gender disaggregated data and informationfrom impact assessments and project surveys isvaluable input for scaling up and designing newprojects. An example is the planned survey by GlobalIndex Insurance Facility (GIIF) in three project countriesto provide insights and guidelines on beneficiarybehaviours, household characteristics and availableproducts on the market towards designing the nextphase of their projects in these countries.Gender-responsive participatory processes should beimplemented in all phases of projects, including thedesign, implementation, monitoring and evaluation.In this way, barriers to gender integration is notoverlooked, and project activities are tailored tothe needs of women and men. Evidence of genderinclusive participatory approaches is observed in theR4 Rural Resilience Initiative, a World Food ProgrammeMacro models of CDRFIModerators: Martina Wiedmaier-Pfister – Genderconsultant to the InsuResilience Secretariat, ChristianaGeorge – Gender Advisor at the African Risk Capacity (ARC)For an overview of the general standing of the participants,polls were conducted. They summarised that half of thebreakout session’s participants were already designing orimplementing gender-responsive approaches while 25% areplanning to do so. The concrete stage of gender-responsiveclimate risk insurances was mainly defined as in an earlystage from almost 50% of the participants and only 25%mature. Nevertheless, the participants expressed highmotivation and keen interested to develop in this process.Gender-disaggregated reporting should be a requirementwithin macro CRI schemes. As these schemes typically

provide payouts to national governments, currentreporting data is usually at a high level, siting sectorswhich were allocated payout, but not reporting on genderimpact of payout. Projects should mandate genderresponsive measures to ensure gender-responsive design,implementation and reporting. For example, the AfricanRisk Capacity, has now integrated gender-responsiverequirements in government reporting on payout use.Strategic frameworks could ensure integration ofgender-responsive approaches as a cross cuttingpriority for an organisation. Assessing the needs ofwomen can be integrated across all activities as well as inorganizations and institutions themselves. For example,CARE International have undertaken an organisationwide approach, by briefing every staff member to bea “gender ambassador” in all their work activities andprovided the relevant training to equip them to succeedin this role. Similar knowledge exchanges and trainingcould be extended to responsible officials in government sparticipating in macro CRI schemes.Measures to ensure gender-responsiveness could beintegrated within macro CRI schemes. For example, inthe African Risk Capacity, governments are required tointegrate gender in their contingency plans, which detailthe use of a potential payout and are a prerequisite forparticipation in the program. This could be an approachto define how insurance payouts should be utilised withconsideration for the different effects for women and couldinclude safeguarding measures such as beneficiary checksand feedbacks.WAY FORWARD AND CLOSING REMARKSSpeaker: Vitumbiko Chinoko, CARE International and Cochair to the InsuResilience Gender Working Group andAstrid Zwick, Head of InsuResilience SecretariatThe webinar illustrated the necessity of developing andimplementing policies for integrating gender dimensionsin DRM strategies and broader development work on alllevels. Since data is critical to designing gender-sensitiveDRM and financing, governments and developmentpartners should invest in developing tools and frameworksthat will capture relevant data to inform comprehensiveDRM strategies. The insights from this webinar will serve asinputs for developing guidance material for the activities ofthe InsuResilience Global Partnership.As such, this webinar lays the foundation for subsequentsessions that will allow deep dives into key issues relatedto gender and CDRFI. The next webinar “DemonstratingImpact: Gender-responsive CDRFI and Data Challenges”will be held in September. The Partnership encourages allstakeholders to use the interactive platform Risk Talk to askquestions and continue discussions relating to climate riskmanagement solutions.WEBINARREPLAY

FARM-D LIVE TALKSGENDER AND CLIMATE RISK FINANCECOMING NEXTLIVE TALK 02 September 2020Demonstrating Impact:How to monitor and evaluate genderresponsive climate and disaster riskfinance and insurance schemes?Follow FARM-D and the InsuResilience GlobalPartnership Websites for more information.Let’s Keep the TALK!RISK TALKOnline exchange community onclimate risk management solutions.SCAN MEFORUM FOR AGRICULTURAL RISKMANAGEMENT IN DEVELOPMENT(FARM-D)SCAN MEInsuResilience SecretariatFriedrich-Ebert-Allee 4053113 Bonn, ience.orgYour Community for knowledgeexchange on #agrisk managementsolutions.FARM-DPlatform for Agricultural Risk Management (PARM)International Fund for Agricultural Development (IFAD)Via Paolo di Dono, 40 - 00142 Rome, Italyparm@ifad.org; info@farm-d.orgwww.parm.org www.farm-d.org

Risk Insurance"; Present and share concrete examples of existing gender responsive CDRFI approaches and good practices; and Inform the development of guidance and documentation to be developed on gender-responsive CDRFI approaches as part of the InsuResilience Global Partnership gender action plan. The webinar was divided into two parts.