What are the types of agricultural insurance?

The main types of agricultural insurance include: agricultural products insurance, pig insurance, livestock insurance, cow insurance, cow insurance, goat insurance, fish insurance, deer insurance, duck insurance, chicken insurance, shrimp insurance, mussel and pearl insurance, comprehensive poultry insurance, rice, rape and vegetable insurance, rice wheat field insurance, forest fire insurance, flue-cured tobacco planting, watermelon hail disaster, pear harvest, wheat freezing injury and cotton.

Agricultural insurance and rural insurance are two different concepts. The latter refers to all kinds of insurance held in rural areas, including not only agricultural insurance, but also various other property and personal insurance of township enterprises and agricultural producers.

The subject matter of agricultural insurance includes crop planting (agriculture), forest construction (forestry), livestock and poultry raising (animal husbandry), aquaculture and fishery (fishery) as sideline products attached to agricultural production activities in rural areas.

Agricultural insurance can generally be divided into two categories:

1. Planting insurance

(1) crop insurance. Crop insurance takes rice, wheat and other food crops and cotton, tobacco and other cash crops as the object, and takes the loss of harvest value or production cost caused by natural disasters or accidents during the growth of various crops as the insurance liability. In the process of crop growth, a considerable part of its harvest depends on the soil environment and natural conditions, the resistance of crops to natural disasters and the planting and management of producers. Therefore, when the value of the harvest is taken as the subject matter of insurance, it should be left to the insured to protect themselves, so as to promote their intensive cultivation and strengthen crop management. If the production cost is the subject matter of insurance, it will be insured at a fixed amount according to the production cost of crops in different periods and different growth stages.

Crop insurance at harvest time. Harvest crop insurance covers the value of primary agricultural products harvested by grain crops or cash crops, which is a short-term insurance when crops are in the primary processing stage (such as drying, threshing and baking).

③ Forest insurance. Forest insurance covers natural forest farms and artificial forest farms, and covers the loss of forest value or forest production expenses caused by natural disasters, accidents, pests and diseases during forest growth.

(4) Economic forest and garden nursery insurance. This kind of insurance covers all kinds of growing economic forests. Including fruits, roots, leaves, juices, skins and other products with economic value provided by these forest species, as well as valuable commercial trees and saplings for viewing and beautifying the environment. Insurance companies compensate these saplings, forest species and their products for losses caused by natural disasters or pests and diseases. This kind of insurance includes citrus, apple, hawthorn, chestnut, rubber tree, tea tree, walnut, jujube and so on.

2. Aquaculture insurance

(1) Livestock insurance. Livestock insurance covers large livestock used for service, milk, meat and breeding, such as cattle, cows, vegetable cattle, horses, stallions, mules, donkeys and camels, and covers economic losses caused by livestock diseases, natural disasters and accidents and forced slaughter and burial due to epidemics during the service period. Livestock insurance is a kind of death loss insurance.

Aquaculture insurance

(2) Livestock insurance and poultry insurance. Commercial livestock such as pigs and sheep and poultry such as chickens and ducks are the subject matter of insurance, which covers the death losses during the feeding period.

(3) Breeding insurance. Take commercial artificial fish farming, shrimp farming, pearl farming and other aquaculture products as the underwriting object, and cover the loss of aquatic products harvest or aquaculture cost caused by diseases, poisoning, theft and natural disasters during aquaculture.

(4) Other aquaculture insurance. Take deer, mink, fox and other commercial economic animals as well as beekeeping and sericulture as the insurance objects, and cover the death or loss of product value caused by diseases, natural disasters and accidents in the breeding process.