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uppercase text-time-gray-3 opacity-0 transition-opacity has-[iframe[data-load-complete="true"]]:opacity-100 mb-1.5 h-16"><span class="hidden group-has-[iframe[data-load-complete="true"]]:block ">Presented By</span><div id="sponsorshiplogo1" class="ad flex min-h-[1px] w-full min-w-[1px] max-w-[100vw] items-center justify-center overflow-hidden bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex " role="complementary" aria-label="Advertisement" data-native="false"></div></div><div class="mx-auto my-10 max-w-[75vw] font-oswald text-[1.375rem] uppercase text-time-black hover:text-time-red"><a href="https://time.com/collection/time100-climate-2024/" class="flex items-center justify-center text-time-black"><div><div class="text-center hover:text-time-red"><svg class="relative -top-0.5 mr-1.5 inline-block" width="15px" height="11px" viewBox="0 0 15 11" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><g id="Draft-6" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g id="Desktop-Headline-Text-Copy-2" transform="translate(-659.000000, -226.000000)" stroke="#000000" stroke-width="1.5"><g id="arrow" transform="translate(645.000000, 211.000000)"><g id="Group-4" transform="translate(15.000000, 13.000000)"><g id="Group" transform="translate(0.000000, 2.000000)"><polyline id="Path-3" transform="translate(5.500000, 5.500000) rotate(45.000000) translate(-5.500000, -5.500000) " points="2 2 2 9 9 9"></polyline><line x1="1" y1="5.5" x2="13" y2="5.5" id="Line" stroke-linecap="square"></line></g></g></g></g></g></svg>TIME100 Climate 2024</div><div class="my-1 h-[1px] border-none bg-time-black"></div></div></a></div><div class="mb-4 mt-2 lg:mb-[1.4625rem]"><h1 class="text-center text-[1.75rem] font-medium leading-[1.875rem] tracking-0.5px lg:text-[2.4375rem] lg:leading-[2.9375rem] font-zilla-slab self-baseline">Lesley Ndlovu</h1><h2 class="mt-2 text-center font-oswald text-3xl font-extralight">CEO, African Risk Capacity Ltd.</h2><div class="mt-2 text-center font-roboto-condensed text-sm font-bold uppercase tracking-[0.6px] text-time-gray-3 md:text-base ">2 minute read</div></div></header><div class="flex justify-center "><div class="featured-media w-full max-w-full" data-type="image"><figure class="block h-auto w-full featured-image m-auto max-w-full" style="max-width:1920px" arial-label="media" data-block="gutenberg-custom-blocks/featured-media" data-media-size="default" data-original-width="1920" data-original-height="1080" data-original-src="https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85" data-credit="Photo-Illustration by TIME (Source Image: Courtesy Lesley Ndlovu)" data-sizes="100vw"><picture class="flex max-w-full flex-col items-center"><img id="7174196" url="https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg" fetchPriority="high" loading="eager" width="1920" height="1080" decoding="async" data-nimg="1" class="h-auto w-full max-w-full" style="color:transparent" sizes="100vw" srcSet="https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=640 640w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=750 750w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=828 828w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=1080 1080w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=1200 1200w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=1440 1440w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=1690 1690w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=1920 1920w, https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=2400 2400w" src="https://api.time.com/wp-content/uploads/2024/11/Defenders_Lesley_Ndlovu.jpg?quality=85&w=2400"/></picture><figcaption class="block max-w-full bg-white px-4 pt-2 font-roboto text-[.813rem] lg:px-0"><span aria-hidden="false" class="ml-2 inline text-xs text-time-gray-5">Photo-Illustration by TIME (Source Image: Courtesy Lesley Ndlovu)</span></figcaption></figure></div></div></div><div id="article-content" class="flex w-full justify-center lg:justify-between lg:gap-5"><div id="article-content-main" class="flex w-full flex-col items-center"><article id="article-body" class="flex w-full max-w-article-body-centered flex-col lg:max-w-article-body"><div class="my-7 w-full px-4 lg:px-20"><div class="font-zilla-slab text-xs uppercase leading-6 tracking-[0.01563em] text-time-gray-4 text-center "><div class="block lg:mr-3 ">By <a href="/author/marina-lopes/" class="font-bold">Marina Lopes</a></div><div class="block "><time dateTime="2024-11-12T11:05:54.000Z">November 12, 2024 6:05 AM EST</time></div></div></div><div id="article-body-main" class="flex w-full flex-col gap-7 [&>*:not(.inline-image,.diptyche)]:px-4 [&>*:not(.inline-image,.diptyche)]:lg:px-20 [&>.inline-image]:sm:px-4 [&>.inline-image]:md:w-[80vw] [&>.inline-image]:md:px-0"><p class="self-baseline px-0 font-pt-serif text-17px leading-7 tracking-0.5px"><span class="leading-7 float-left border-t-2 border-l-2 border-solid border-time-red text-5xl py-2 pr-0.5 pl-[0.3125rem] my-0.5 mr-2.5 font-zilla-slab">L</span>esley Ndlovu is bolstering Africa's climate resilience by providing fast insurance payouts to victims of climate change across the continent. </p><p class="self-baseline px-0 font-pt-serif text-17px leading-7 tracking-0.5px">Ndlovu’s African Risk Capacity Group (ARC), an insurer to African Union Member States, has pioneered the use of what’s known as parametric insurance to combat weather-related disasters. The insurance provides smallholder farmers payouts based on pre-agreed triggers in rainfall deviation during droughts, floods, or cyclones. The trigger calculations allow the money to get into the hands of victims fast, without the need for boots on the ground to assess damage, Ndlovu told TIME in an email.  </p><div id="inline-ad-1" class="ad flex min-h-[1px] w-full min-w-[1px] max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex " role="complementary" aria-label="Advertisement" data-native="false"></div><p class="self-baseline px-0 font-pt-serif text-17px leading-7 tracking-0.5px">“Africa is the most climate vulnerable continent in the world, despite contributing the least to carbon emissions that are the leading cause of climate change. We are witnessing an unprecedented increase in the frequency and severity of natural disasters, droughts, and floods that used to happen every 10 years are now happening every three years,” he says. “These events have a devastating impact on local communities, often resulting in the loss of lives and livelihoods. Insurance plays a critical role in disaster risk financing, helping to pay for the damage caused by catastrophic climate events.” </p><p class="self-baseline px-0 font-pt-serif text-17px leading-7 tracking-0.5px">Over the last ten years, the company has paid over<a href="https://arcltd.ba-dashboard.co.za/"> $170 million in claims</a>. It now covers 50 million people, according to Ndlovu, with plans to expand climate and health insurance coverage to all<a href="https://reliefweb.int/report/world/africa-risk-capacity-integrated-annual-report-2023-celebrating-decade-impact"> 55 African Union member states by 2034</a>. In February, ARC entered into an<a href="https://reliefweb.int/report/world/arc-ltd-and-us-government-partner-safeguard-food-security-and-expand-parametric-insurance-africa"> $11.7 million partnership</a> with the U.S. government to enhance food security and strengthen African climate resilience over the next three years using parametric insurance.After a record-breaking drought in Malawi this year, the company delivered<a href="https://www.afdb.org/en/news-and-events/press-releases/african-development-bank-group-and-african-risk-capacity-group-issue-112-million-insurance-payout-government-malawi-73593"> $11.2 million </a>in direct relief payments to hundreds of thousands of households. Upon receiving the payout, Malawi President Lazarus McCarthy Chakwera <a href="https://www.afdb.org/en/news-and-events/press-releases/african-development-bank-group-and-african-risk-capacity-group-issue-112-million-insurance-payout-government-malawi-73593">said:</a> “The insurance payout we receive today is not just a financial transaction; it is a lifeline for our vulnerable populations. It is a testament to the power of foresight and planning, allowing us to respond swiftly and effectively to the needs of our people.”</p></div></article><div class="mx-auto my-10 max-w-[75vw] font-oswald text-[1.375rem] uppercase text-time-black hover:text-time-red"><a href="https://time.com/collection/time100-climate-2024/" class="flex items-center justify-center text-time-black"><div><div class="text-center hover:text-time-red"><svg class="relative -top-0.5 mr-1.5 inline-block" width="15px" height="11px" viewBox="0 0 15 11" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><g id="Draft-6" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g id="Desktop-Headline-Text-Copy-2" transform="translate(-659.000000, -226.000000)" stroke="#000000" stroke-width="1.5"><g id="arrow" transform="translate(645.000000, 211.000000)"><g id="Group-4" transform="translate(15.000000, 13.000000)"><g id="Group" transform="translate(0.000000, 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the last ten years, the company has paid over\u003ca href=\"https://arcltd.ba-dashboard.co.za/\"\u003e $170 million in claims\u003c/a\u003e. 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In February, ARC entered into an\u003ca href=\"https://reliefweb.int/report/world/arc-ltd-and-us-government-partner-safeguard-food-security-and-expand-parametric-insurance-africa\"\u003e $11.7 million partnership\u003c/a\u003e with the U.S. government to enhance food security and strengthen African cl"])</script><script>self.__next_f.push([1,"imate resilience over the next three years using parametric insurance.After a record-breaking drought in Malawi this year, the company delivered\u003ca href=\"https://www.afdb.org/en/news-and-events/press-releases/african-development-bank-group-and-african-risk-capacity-group-issue-112-million-insurance-payout-government-malawi-73593\"\u003e $11.2 million \u003c/a\u003ein direct relief payments to hundreds of thousands of households. 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