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市場調查報告書
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1737193

2026 年至 2032 年作物保險市場規模（按類型、覆蓋範圍、分銷管道和地區分類）

Crop Insurance Market Size by Type, Coverage, Distribution Channel and Region for 2026-2032
出版日期: | 出版商: Verified Market Research | 英文 202 Pages | 商品交期: 2-3個工作天內

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簡介目錄

2026-2032年作物保險市場評估

受氣候變遷加劇、政府對農業風險管理的支持以及作物監測和評估技術進步的推動，作物保險市場正在經歷顯著成長。作物保險在為農民提供財務保障和促進永續農業方面的潛力持續推動市場擴張。農民對風險緩解策略和參數化保險模型整合的認知不斷提高，進一步推動了作物保險市場的擴張，從而增加了作物保險產品的採用率。對糧食安全的日益擔憂以及保護農業投資的需求也促進了市場的成長。此外，數據分析和遙感技術在作物保險中的應用日益廣泛，也推動了市場創新。預計將推動市場規模在2024年突破363.7億美元，到2032年達到約682.8億美元。

除了這些成長要素外，市場還在研發方面不斷增加投入，旨在開發更精準的風險評估模型和客製化的保險產品。專注於將人工智慧、機器學習和區塊鏈等先進技術融入作物保險解決方案，正在為市場擴張鋪平新的道路，尤其是在提高效率和透明度方面。此外，新興國家擴大採用基於指數的保險產品，這正在推動區域市場的成長。日益重視發展官民合作關係以擴大作物保險覆蓋範圍也是支持市場發展的關鍵因素。不斷成長的作物保險需求將推動市場在2026年至2032年間以8.19%的複合年成長率成長。

作物保險市場定義/概述

作物保險是一種風險管理工具，旨在保護農業生產者免受各種自然災害、天氣事件和市場波動造成的作物產量和收益損失。它透過承保作物產量和收益損失，為農民提供財務保障，幫助穩定農場收入並維持農業經營。作物保險可以承保各種作物和災害，包括乾旱、過濕、冰雹、病蟲害和價格下跌。

作物保險已在多個農業領域發展和應用。在商業化農業中，它有助於管理生產風險並確保資金籌措。對於小農戶來說，它提供了一個防範氣候相關損失的安全網。在永續農業領域，作物保險用於促進農業韌性發展。此外，作物保險也應用於農業貸款、糧食安全工作以及支持氣候變遷調適策略。

作物保險市場前景光明，新興市場和技術具有成長潛力。更複雜的風險建模技術的發展以及衛星影像和物聯網設備的整合預計將帶來新的市場機會。參數保險和區塊鏈技術的進步有望帶來更有效率、更透明的保險流程。此外，對小農戶微型保險的日益關注以及與氣候融資機制的潛在整合，可能會刺激該行業的創新。

日益加劇的氣候變遷將如何推動作物保險市場的成長？

日益加劇的氣候變遷是作物保險市場成長的主要驅動力。由於氣候變化，極端天氣事件變得更加頻繁和嚴重，農民面臨更大的作物產量和收入風險。作物保險提供了一個重要的風險管理工具，可以防範這些不可預測的天氣相關損失。此外，多樣化的天氣模式正在降低傳統風險評估方法的可靠性，並增加了對能夠適應氣候變遷的更複雜保險產品的需求。這一趨勢正促使農民、政府和農業貸款機構對開發和實施全面的作物保險解決方案產生濃厚興趣，從而刺激了行業創新，並為市場發展提供了動力。

哪些認知的缺乏阻礙了作物保險市場的成長？

農民對作物保險產品的認知度有限，對作物保險市場的成長構成了挑戰。許多農民，尤其是農村地區的農民，缺乏對作物保險的益處、理賠流程以及如何獲得保險的知識。這導致投保率低，農民不是不買保險，就是作物不足。此外，對保費的誤解以及對保險公司的不信任進一步阻礙了保險的普及。如果沒有足夠的教育和推廣，市場就難以擴大，農民更容易受到自然災害和其他作物損害所帶來的財務風險的影響。

目錄

第1章 全球作物保險市場簡介

  • 市場概覽
  • 研究範圍
  • 先決條件

第2章執行摘要

第3章：已驗證的市場研究調查方法

  • 資料探勘
  • 驗證
  • 第一手資料
  • 資料來源列表

第4章 全球作物保險市場展望

  • 概述
  • 市場動態
    • 驅動程式
    • 限制因素
    • 機會
  • 波特五力模型
  • 價值鏈分析

5. 全球作物保險市場類型

  • 概述
  • 多樁作物保險
  • 農作物冰雹災害保險
  • 特定風險保險

第6章 全球作物保險市場（依保障範圍）

  • 概述
  • 收入補償
  • 產量補償
  • 植物性指數保險
  • 保證金保護

7. 全球作物保險市場（依分銷管道）

  • 概述
  • 銀行
  • 保險公司
  • 仲介/代理人
  • 其他

8. 全球作物保險市場（按地區）

  • 概述
  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 法國
    • 義大利
    • 西班牙
    • 其他歐洲國家
  • 亞太地區
    • 中國
    • 日本
    • 印度
    • 其他亞太地區
  • 亞太地區
    • 中國
    • 日本
    • 印度
    • 其他亞太地區
  • 世界其他地區
    • 拉丁美洲
    • 中東和非洲

第9章全球作物保險市場的競爭格局

  • 概述
  • 各公司市場排名
  • 主要發展策略

第10章 公司簡介

  • 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.

第11章 重大進展

  • 產品發布/開發
  • 合併與收購
  • 業務擴展
  • 夥伴關係與合作

第12章 附錄

  • 相關調查
簡介目錄
Product Code: 55209

Crop Insurance Market Valuation- 2026-2032

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.

TABLE OF CONTENTS

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