This report documents the process and results of the index insurance design effort leading to the index insurance contracts for Adi Ha in 2009. This report represents deliverables 1 and 2 in terms of reference with Oxfam America, it outlines and compares analysis and design methodologies including the performance of rainfall simulators for index-based contract design. It also details contracts, methodologies, associated issues, and important lessons learned. A separate project report details the Experimental Games, deliverable 3 in terms of reference.