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农业保险是指专为农业生产者在从事种植业和养殖业生产过程中,对遭受自然灾害和意外事故所造成的经济损失提供保障的一种保险。农业保险按农业种类不同分为种植业保险、养殖业保险;按危险性质分为自然灾害损失保险、病虫害损失保险、疾病死亡保险、意外事故损失保险;按保险责任范围不同,可分为基本责任险、综合责任险和一切险;按赔付办法可分为种植业损失险和收获险。
Agricultural insurance is defined as an insurance policy designed to protect agricultural producers from the consequences of natural disasters and accidents during their farming and aquaculture operations. Agricultural insurance is divided into crop insurance and aquaculture insurance according to different types of agriculture. It is classified into natural disaster loss insurance, pest and disease loss insurance, disease death insurance and accident loss insurance according to the nature of danger. According to the scope of insurance liability, it can be divided into basic responsibilities Insurance, comprehensive liability insurance and all insurance; according to the payment method can be divided into crop injury insurance and harvest insurance.