The study examined the constraints of access to the use of agricultural insurance schemes (AIS) by small-scale farmers in Kogi State, Nigeria. Sustainable agricultural enterprise in most developing countries like Nigeria can be achieved through adequate financing especially in the area of agricultural insurance. Despite the existence of insurance services by the Nigerian Agricultural Insurance Corporation and other private firms in Nigeria, there has been a low level of participation of farmers buying insurance premium; thus, there is a need to examine the hindrances in accessing the scheme. The specific objectives were to describe the socio-economics characteristic of small- scale farmers, examine the types of agricultural insurance and evaluate the constraints in accessing AIS in the study area. Primary data were collected from 150 farmers with the aid of a well-structured questionnaire. Data were analyzed using descriptive statistics. Results showed that farmers in the study area were dominated by the married (68%), literates (81.33) and males (73.33%) with the mean age and farming experience of 47 and 19 years respectively. Crop insurance (56%) and farm implement insurance (46%) were the major types of agricultural insurance used by the farmers. Rigorous procedures in claim settlement (3.266), poor government attention (3.106) poor repayment (3.080) and non-coverage of all the crops (3.093) were among the major challenges in accessing AIS) in the study area. The study recommended that the government through the ministry of Agriculture or Bank of Agriculture should eliminate the bureaucratic processes and bottlenecks encountered by the farmers in accessing AIS.