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2026 年至 2032 年作物保险市场规模（按类型、覆盖范围、分销管道和地区划分）

Crop Insurance Market Size by Type, Coverage, Distribution Channel and Region for 2026-2032

出版日期: 2025年05月09日 | 出版商:

Verified Market Research | 英文 202 Pages | 商品交期: 2-3个工作天内

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简介目录

2026-2032年作物保险市场评估

受气候变迁加剧、政府对农业风险管理的支持以及作物监测和评估技术进步的推动，作物保险市场正在经历显着增长。作物保险在为农民提供财务保障和促进永续农业方面的潜力持续推动市场扩张。农民对风险缓解策略和参数化保险模型整合的认识不断提高，进一步推动了作物保险市场的扩张，从而增加了作物保险产品的采用率。对粮食安全的日益担忧以及保护农业投资的需求也促进了市场的成长。此外，数据分析和遥感技术在作物保险中的应用日益广泛，也推动了市场创新。预计将推动市场规模在2024年突破363.7亿美元，到2032年达到约682.8亿美元。

除了这些成长要素外，市场还在研发方面不断增加投入，旨在开发更精准的风险评估模型和客製化的保险产品。专注于将人工智慧、机器学习和区块链等先进技术融入作物保险解决方案，正在为市场扩张铺平新的道路，尤其是在提高效率和透明度方面。此外，新兴国家越来越多地采用基于指数的保险产品，这正在推动区域市场的成长。日益重视发展官民合作关係以扩大作物保险覆盖范围也是支持市场发展的关键因素。不断增长的作物保险需求将推动市场在2026年至2032年间以8.19%的复合年增长率成长。

作物保险市场定义/概述

作物保险是一种风险管理工具，旨在保护农业生产者免受各种自然灾害、天气事件和市场波动造成的作物产量和收益损失。它透过承保作物产量和收益损失，为农民提供财务保障，帮助稳定农场收入并维持农业经营。作物保险可以承保各种作物和灾害，包括干旱、过湿、冰雹、病虫害和价格下跌。

作物保险已在多个农业领域发展和应用。在商业化农业中，它有助于管理生产风险并确保资金筹措。对于小农户来说，它提供了一个防范气候相关损失的安全网。在永续农业领域，作物保险用于促进农业韧性发展。此外，作物保险也应用于农业贷款、粮食安全工作以及支持气候变迁调适策略。

作物保险市场前景光明，新兴市场和技术具有成长潜力。更复杂的风险建模技术的发展以及卫星影像和物联网设备的整合预计将带来新的市场机会。参数保险和区块链技术的进步有望带来更有效率、更透明的保险流程。此外，对小农户微型保险的日益关注以及与气候融资机制的潜在整合，可能会刺激该行业的创新。

日益加剧的气候变迁将如何推动作物保险市场的成长？

日益加剧的气候变迁是作物保险市场成长的主要驱动力。由于气候变化，极端天气事件变得更加频繁和严重，农民面临更大的作物产量和收入风险。作物保险提供了一个重要的风险管理工具，可以防范这些不可预测的天气相关损失。此外，多样化的天气模式正在降低传统风险评估方法的可靠性，并增加了对能够适应气候变迁的更复杂保险产品的需求。这一趋势正促使农民、政府和农业贷款机构对开发和实施全面的作物保险解决方案产生浓厚兴趣，从而刺激了行业创新，并为市场发展提供了动力。

哪些认知的缺乏阻碍了作物保险市场的成长？

农民对作物保险产品的认知度有限，对作物保险市场的成长构成了挑战。许多农民，尤其是农村地区的农民，缺乏对作物保险的益处、理赔流程以及如何获得保险的知识。这导致投保率低，农民不是不买保险，就是作物不足。此外，对保费的误解以及对保险公司的不信任进一步阻碍了保险的普及。如果没有足够的教育和推广，市场就难以扩大，农民更容易受到自然灾害和其他作物损害所带来的财务风险的影响。

The Crop Insurance market is experiencing significant growth driven by increasing climate variability, government support for agricultural risk management and technological advancements in crop monitoring and assessment. The potential for crop insurance to provide financial security to farmers and promote sustainable agriculture continues to fuel market expansion. This growth is further bolstered by the rising awareness among farmers about risk mitigation strategies and the integration of parametric insurance models, leading to increasing adoption of crop insurance products. The growing focus on food security and the need to protect agricultural investments is also contributing to market growth. Additionally, the increasing use of data analytics and remote sensing technologies in crop insurance is driving market innovation. This is likely to enable the market size to surpass USD 36.37 Billion in 2024 to reach a valuation of around USD 68.28 Billion by 2032.

In addition to these growth factors, the market is witnessing increasing investment in research and development aimed at developing more accurate risk assessment models and customized insurance products. The focus on integrating advanced technologies such as artificial intelligence, machine learning and blockchain into crop insurance solutions is opening new avenues for market expansion, particularly for enhanced efficiency and transparency. Moreover, the growing adoption of index-based insurance products in developing countries is driving regional market growth. The increasing emphasis on developing public-private partnerships to expand crop insurance coverage is another key factor supporting market expansion. The rising demand for crop insurance is enabling the market to grow at a CAGR of 8.19% from 2026 to 2032.

Crop Insurance Market Definition/Overview

Crop insurance is a risk management tool designed to protect agricultural producers from crop yield and revenue losses due to various natural disasters, weather events, or market fluctuations. It provides financial protection to farmers by compensating them for losses in crop yields or revenues, helping to stabilize farm income and ensure the continuity of agricultural operations. Crop insurance policies can cover a wide range of crops and perils, including drought, excessive moisture, hail, insects and price declines.

Crop insurance is being developed and utilized across diverse agricultural sectors. In commercial farming, it helps manage production risks and secure financing. For smallholder farmers, it provides a safety net against climate-related losses. In the realm of sustainable agriculture, crop insurance is being used to promote resilient farming practices. Additionally, crop insurance is finding applications in supporting agricultural lending, food security initiatives and climate change adaptation strategies.

The future scope of the Crop Insurance market is promising, with potential for growth in emerging markets and technologies. The development of more sophisticated risk modeling techniques and the integration of satellite imagery and IoT devices are expected to open new market opportunities. Advancements in parametric insurance and blockchain technology may lead to more efficient and transparent insurance processes. Furthermore, the increasing focus on micro-insurance for smallholder farmers and the potential integration with climate finance mechanisms are likely to drive innovation in the industry.

How does the Increasing Climate Variability Drive the Growth of The Crop Insurance Market?

The increasing climate variability is a significant driver of growth in the Crop Insurance Market. As extreme weather events become more frequent and severe due to climate change, farmers face greater risks to their crop yields and revenues. Crop insurance offers a crucial risk management tool to protect against these unpredictable climate-related losses. Moreover, the variability in weather patterns makes traditional risk assessment methods less reliable, driving the need for more sophisticated insurance products that can adapt to changing climate conditions. This trend has heightened interest among farmers, governments, and agricultural lenders in developing and adopting comprehensive crop insurance solutions, spurring innovation in the industry and driving market growth.

How is Limited Awareness Challenging the Growth of The Crop Insurance Market?

Limited awareness about crop insurance products among farmers is challenging the growth of the Crop Insurance Market. Many farmers, especially in rural areas, lack knowledge about the benefits of crop insurance, the claims process, and how to access coverage. This results in low participation rates, with farmers either not purchasing insurance or underinsuring their crops. Additionally, misconceptions about premium costs and distrust in insurance providers further hinder adoption. Without adequate education and outreach initiatives, it becomes difficult to expand the market, leaving farmers vulnerable to financial risks caused by natural disasters and other crop-damaging events.

Category-wise Acumens

How will the Advancements in Risk Modeling Drive the Growth of the Multi-peril Crop Insurance Segment?

The growth of the Multi-peril Crop Insurance Segment is being driven by rapid advancements in risk modeling techniques. These technological improvements are enabling the development of more accurate and comprehensive risk assessment models that can account for multiple perils affecting crop production. Multi-peril crop insurance, which covers a wide range of risks including adverse weather, pests and diseases, is becoming increasingly sophisticated as risk models incorporate more data sources and advanced analytics.

This shift toward more advanced multi-peril crop insurance is being seen as a key factor in the crop insurance market. The potential for these comprehensive policies to provide better protection for farmers against a variety of risks is being highlighted, further increasing the interest in and development of multi-peril products. Their ability to offer more holistic coverage, potentially at more competitive rates due to improved risk assessment, is being boosted due to these technological advancements.

How will the Need for Flexible Coverage Drive the Growth of The Revenue Protection Application Segment?

The growth of the Revenue Protection Application Segment will be driven by the need for flexible coverage that addresses both yield and price risks. Factors such as increasing market volatility, globalization of agricultural markets and the desire for income stability among farmers will contribute to this trend. Revenue protection policies will be sought to provide farmers with coverage against both production losses and price declines, offering a more comprehensive risk management solution.

Increasing investment in revenue protection products will be witnessed, enabling farmers to secure their income against a wider range of risks. The revenue protection segment will benefit from the integration of advanced price forecasting models and yield prediction technologies, allowing for more accurate and responsive coverage, which will ultimately propel market expansion.

Country/Region-wise Acumens

Will the Presence of Major Agricultural Economies Drive the Dominance of North America in The Crop Insurance Market?

The dominance of North America in the crop insurance market is significantly influenced by the presence of major agricultural economies and well-established crop insurance programs. Countries like the United States and Canada have robust government-supported crop insurance systems and a long history of agricultural risk management. Additionally, the high adoption of technology in agriculture, advanced farming practices and strong financial infrastructure have strengthened North America's position. The region's early adoption of data-driven farming and precision agriculture concepts further contributes to its leading role in the global crop insurance market, ensuring continued dominance.

Will the Rapid Growth of the Agricultural Sector Drive the Expansion of The Crop Insurance Market in Asia-Pacific?

The rapid growth of the agricultural sector is expected to drive the expansion of the Crop Insurance Market in Asia-Pacific. As home to some of the world's largest agricultural producers and a significant portion of smallholder farmers, the region is well-positioned to adopt and benefit from crop insurance solutions. The increasing focus on food security, modernizing agriculture and protecting farmer livelihoods is driving interest in crop insurance products. Additionally, countries like India and China are implementing large-scale government-supported crop insurance programs. This combination of a strong agricultural base, technological advancement and supportive policies is fueling the growth of the crop insurance market in the Asia-Pacific region.

Competitive Landscape

The crop insurance market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions and political support. The organizations are focusing on innovating their product line to serve the vast population in diverse regions.

Some of the prominent players operating in the crop insurance market include:

Agriculture Insurance Company of India Limited

Chubb

QBE Insurance Group Limited

Sompo Holdings, Inc.

Fairfax Financial Holdings Limited

Prudential Financial, Inc.

AXA

Everest Re Group, Ltd.

Zurich Insurance Group Ltd.

Tokio Marine Holdings, Inc.

Latest Developments

In March 2024, Agriculture Insurance Company of India Limited announced the launch of a new satellite-based crop monitoring system, enabling more accurate and timely assessment of crop health and potential yield losses across vast agricultural areas.

In May 2024, Chubb successfully piloted a blockchain-based crop insurance platform in collaboration with several agricultural cooperatives, demonstrating enhanced transparency and efficiency in claims processing and premium payments.

In January 2024, QBE Insurance Group Limited introduced a novel machine learning model for crop yield prediction, significantly improving the accuracy of risk assessment for their crop insurance products.

In August 2024, Sompo Holdings, Inc. secured a major partnership with a leading tech company to integrate IoT sensors and drones into their crop monitoring and loss assessment processes, marking a significant step towards more data-driven crop insurance solutions.

1 INTRODUCTION OF GLOBAL CROP INSURANCE MARKET

1.1 Overview of the Market
1.2 Scope of Report
1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

3.1 Data Mining
3.2 Validation
3.3 Primary Interviews
3.4 List of Data Sources

4 GLOBAL CROP INSURANCE MARKET OUTLOOK

4.1 Overview
4.2 Market Dynamics
- 4.2.1 Drivers
- 4.2.2 Restraints
- 4.2.3 Opportunities
4.3 Porters Five Force Model
4.4 Value Chain Analysis

5 GLOBAL CROP INSURANCE MARKET, BY TYPE

5.1 Overview
5.2 Multi-peril Crop Insurance
5.3 Crop-hail Insurance
5.4 Named Peril Insurance

6 GLOBAL CROP INSURANCE MARKET, BY COVERAGE

6.1 Overview
6.2 Revenue Protection
6.3 Yield Protection
6.4 Plant-based Index Insurance
6.5 Margin Protection

7 GLOBAL CROP INSURANCE MARKET, BY DISTRIBUTION CHANNEL

7.1 Overview
7.2 Banks
7.3 Insurance Companies
7.4 Brokers/Agents
7.5 Others

8 GLOBAL CROP INSURANCE MARKET, BY GEOGRAPHY

8.1 Overview
8.2 North America
- 8.2.1 U.S.
- 8.2.2 Canada
- 8.2.3 Mexico
8.3 Europe
- 8.3.1 Germany
- 8.3.2 U.K.
- 8.3.3 France
- 8.3.4 Italy
- 8.3.5 Spain
- 8.3.6 Rest of Europe
8.4 Asia Pacific
- 8.4.1 China
- 8.4.2 Japan
- 8.4.3 India
- 8.4.4 Rest of Asia Pacific
8.4 Asia Pacific
- 8.4.1 China
- 8.4.2 Japan
- 8.4.3 India
- 8.4.4 Rest of Asia Pacific
8.5 Rest of the World
- 8.5.1 Latin America
- 8.5.2 Middle East & Africa

9 GLOBAL CROP INSURANCE MARKET COMPETITIVE LANDSCAPE

9.1 Overview
9.2 Company Market Ranking
9.3 Key Development Strategies

10 COMPANY PROFILES

10.1 Agriculture Insurance Company of India Limited
- 10.1.1 Overview
- 10.1.2 Financial Performance
- 10.1.3 Product Outlook
- 10.1.4 Key Developments
10.2 Chubb
- 10.2.1 Overview
- 10.2.2 Financial Performance
- 10.2.3 Product Outlook
- 10.2.4 Key Developments
10.3 QBE Insurance Group Limited
- 10.3.1 Overview
- 10.3.2 Financial Performance
- 10.3.3 Product Outlook
- 10.3.4 Key Developments
10.4 Sompo Holdings, Inc.
- 10.4.1 Overview
- 10.4.2 Financial Performance
- 10.4.3 Product Outlook
- 10.4.4 Key Developments
10.5 Fairfax Financial Holdings Limited
- 10.5.1 Overview
- 10.5.2 Financial Performance
- 10.5.3 Product Outlook
- 10.5.4 Key Developments
10.6 Prudential Financial, Inc.
- 10.6.1 Overview
- 10.6.2 Financial Performance
- 10.6.3 Product Outlook
- 10.6.4 Key Developments
10.7 AXA
- 10.7.1 Overview
- 10.7.2 Financial Performance
- 10.7.3 Product Outlook
- 10.7.4 Key Developments
10.8 Everest Re Group, Ltd.
- 10.8.1 Overview
- 10.8.2 Financial Performance
- 10.8.3 Product Outlook
- 10.8.4 Key Developments
10.9 Zurich Insurance Group Ltd.
- 10.9.1 Overview
- 10.9.2 Financial Performance
- 10.9.3 Product Outlook
- 10.9.4 Key Developments
10.10 Tokio Marine Holdings, Inc.
- 10.10.1 Overview
- 10.10.2 Financial Performance
- 10.10.3 Product Outlook
- 10.10.4 Key Developments

11 KEY DEVELOPMENTS

11.1 Product Launches/Developments
11.2 Mergers and Acquisitions
11.3 Business Expansions
11.4 Partnerships and Collaborations

12 Appendix

12.1 Related Research

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License/价格

2026 年至 2032 年作物保险市场规模（按类型、覆盖范围、分销管道和地区划分）

Crop Insurance Market Size by Type, Coverage, Distribution Channel and Region for 2026-2032

2026-2032年作物保险市场评估

日益加剧的气候变迁将如何推动作物保险市场的成长？

哪些认知的缺乏阻碍了作物保险市场的成长？

目录

第一章 全球作物保险市场简介

第二章执行摘要

第三章：已验证的市场研究调查方法

第四章 全球作物保险市场展望

5. 全球作物保险市场类型

第六章 全球作物保险市场（依保障范围）

7. 全球作物保险市场（依分销管道）

8. 全球作物保险市场（按地区）

第九章全球作物保险市场的竞争格局

第十章 公司简介

第十一章 重大进展

第十二章 附录

Crop Insurance Market Valuation- 2026-2032