PIEDADES NORTE, Costa Rica (Thomson Reuters Foundation) - When Vinicio Chaves started working in the fields 30 years ago, he never thought of insuring his coffee farm against wild weather. Now he sees it as a necessity. In 2017, Tropical Storm Nate hit his farm in Piedades Norte, a small town in Costa Rica’s Alajuela Province, felling guava trees and stripping coffee beans off the branches. “It was the worst I’ve seen,” Chaves said. “It was sad to see all the coffee thrown on the floor.” But...