The purpose of this article is to determine the pure premium to be paid by the Senegalese farmer insured at conventional risks. Using the general linear model (GLM), the frequency and severity of different types of risks to farmers were determined. They depend positively on the type of risk and the parameters of the estimated models are all significant. We have shown that the health risks, locusts (wild locusts), wild animals and ducks have higher claims than climatic events (rainfall deficit, floods). Health risks, floods and rainfall deficits are extreme phenomena whose probability of achievement is low. This explains the low premiums of these risks. For better pricing, the insurance company will need to consider the type of risk to which each insured is most exposed and determine the corresponding premium. This segmentation will determine the correct premium.

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This article has helped with the construction of a Structural Equations Model (SEM) to measure the negative impact of terrorist targets on economic growth, investment and positive influences on the military and security spending in the economies of Sahel. The SEM also helped break down the impact of the terrorist attacks in the Sahel in direct and indirect effects. The increase in military spending and security results in lower investment and economic growth and undermining development efforts and fiscal consolidation. Moreover, the consequences of terrorist attacks are more intense for targets in industries whose economic weight is important. These targets increase the vulnerability of fragile Sahel and undiversified economies.