For years, Uganda’s insurance industry has been growing. New companies. Bigger balance sheets. More regulations.
The Risk No One Is Insuring: When Protection Finally Makes Sense podcast by Okello Jesus Ojara examines the hidden exclusion within Uganda’s expanding insurance industry, focusing on communities that remained uninsured
not out of ignorance but out of ethical discomfort with conventional risk models.
Through the everyday sounds and stories of Gulu City, the podcast reveals how traders, entrepreneurs, and institutions quietly absorbed loss because available insurance conflicted with their values around interest, speculation,, and fairness.
The narrative turns on a pivotal regulatory shift that formally recognises Takaful, a cooperative model of insurance based on shared contribution and collective responsibility.
Framed beyond religion, the episode presents Takaful as an inclusive alternative that broadens access, rebuilds trust and redefines insurance as participation rather than extraction, making a moment when protection, at last,
makes sense for those long outside the risk pool.
Listen to our podcast.
