By Katharine Pulvermacher*
The author is Executive Director of Microinsurance Network.
LUXEMBOURG (IDN) – Life is hard enough for small-scale farmers, businesses, families and communities who live with the daily threat of losing everything to natural disasters, extreme weather or other catastrophes. Even if you are insured, it can be tough to start again after drought has taken your cattle, pests have destroyed your crop or the main breadwinner has died in an accident. But for the four billion people around the world who have no access to financial services, insurance remains a distant dream.