Now you see us, now you don’t: Inclusive Climate Risk Insurance in Bihar, India 

Summary

Structural inequalities (landlessness, lack of collateral, illiteracy, lack of social networks and gendered norms) as well as institutional setups play into the design and implementation of climate risk insurance initiatives. These result in the exclusion of those marginalized by gender, caste and class. This documentary captures the lived experiences of those excluded from climate (flood) risk insurance programs. It provides insight into how exclusions are normalized by systemic issues. By looking at the excluded, we plan to identify the key barriers to inclusive climate insurance.