We are a for-profit, social enterprise that aims to create markets for microinsurance by utilizing a new, mission-driven business model: collaborative innovation. We aim to narrow the global protection gap by designing and executing ventures enabling risk protection for the emerging middle class. Blue Marble is owned by five insurance companies collaborating to develop innovative solutions that protect the underserved. We currently operate in Colombia, Guatemala, Indonesia, Kenya, Mozambique, Pakistan, Zambia and Zimbabwe. Our partners include development international organizations, such as WFP, IFAD; as well as multinational companies with strong sustainability programs, such as Nestlé Nespresso. Our work includes the assessment, design and implementation of insurance programs.