作物保険の市場規模、シェア、成長分析：補償内容別、タイプ別、流通チャネル別、地域別 - 産業予測、2024-2031年

作物保険の世界市場規模は2022年に391億米ドルと評価され、2023年の425億米ドルから2031年には828億4,000万米ドルに達し、予測期間（2024-2031年）のCAGRで8.7%の成長が予測されています。

世界の作物保険市場は、不測の課題に対する安全策を求める農家や農業生産者の需要の高まりに後押しされ、力強い成長軌道に乗っています。農業リスクが拡大するにつれて、経済における農業の基盤的役割や食糧安全保障の必要性の高まりから、作物保険の重要性が浮き彫りになり、保険契約の販売を促進する可能性が高いです。農業の商業化はリスク評価を高め、保険加入をさらに促進します。さらに、農作物の収量に影響を与える新たな病害虫の急増が市場の需要を増大させる一方、農業セクターの支援を目的とした政府の取り組みが農家の意識を高め、作物保険に関する財政的安定性を高めています。しかし、農業業界は、耕地面積の減少、環境問題、人件費の高騰といった課題に取り組んでいます。一方で、持続可能な温室栽培を目指す動向は、有望な機会をもたらしています。人工衛星、リモートセンシング、AIを含むテクノロジーは、農家の情報管理、保険料徴収、保険金請求処理といった作物保険プロセスの合理化において極めて重要な役割を担っており、これは市場にとって有利な成長の道を切り開くものです。米国の作物保険市場は、利用可能性の制限、認知度の低さ、保険料の高騰、保険契約や保険金請求に関する情報の不十分さといった課題にもかかわらず、今後の予測期間において良好なCAGRが予想され、持続的な成長が期待できる状況にあります。

目次

イントロダクション

• 調査の目的
• 定義
• 市場範囲

調査手法

• 情報調達
• 二次データソースと一次データソース
• 市場規模予測
• 市場の想定と制限

エグゼクティブサマリー

• 市場概要見通し
• 供給需要動向分析
• セグメント別機会分析

市場力学と見通し

• 市場力学
  • 促進要因
  • 機会
  • 抑制要因
  • 課題
• ポーターの分析

主な市場の考察

• 主な成功要因
• 競合の程度
• 主な投資機会
• 市場のエコシステム

作物保険市場：補償内容別

• 市場概要
• 複合危険作物保険（MPCI）
• ひょう害保険

作物保険市場：タイプ別

• 市場概要
• 作物収量保険
• 作物収入保険

作物保険市場：流通チャネル別

• 市場概要
• 銀行
• 保険会社
• ブローカー/エージェント
• その他

作物保険市場規模：地域別

• 市場概要
• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ（MEA）
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ地域

競合情勢

• 上位5社の比較
• 主要企業の市場ポジショニング（2023年）
• 主な市場企業が採用した戦略
• 市場における最近の活動
• 主要企業の市場シェア（2023年）

主要企業プロファイル

• Great American Insurance Company（US）
• Chubb（US）
• ICICI Lombard General Insurance Company Limited（India）
• Allianz Ghana（Ghana）
• Future Generali India Insurance Company Ltd（India）
• Santam（South Africa）
• Sompo International Holdings Ltd.（Bermuda）
• Hannover Ruck SE（Germany）
• Tokio Marine HCC（US）
• Global AG Insurance Services, LLC（US）
• Compeer Financial, ACA（US）
• Kshema General Insurance Limited（India）
• QBE Holdings, Inc.（Australia）
• Reliance General Insurance Company Ltd.（India）
• Tata-AIG General Insurance Company Ltd.（India）
• Fairfax Financial Holdings Limited（Canada）
• Zurich（Switzerland）
• PICC（China）
• Agriculture Insurance Company of India Limited（AIC）（India）
• American Financial Group, Inc.（US）
• QBE Insurance Group Limited（Australia）

Global Crop Insurance Market size was valued at USD 39.10 billion in 2022 and is poised to grow from USD 42.50 billion in 2023 to USD 82.84 billion by 2031, growing at a CAGR of 8.7% in the forecast period (2024-2031).

The global crop insurance market is on a robust growth trajectory, fueled by rising demand from farmers and agricultural producers seeking safeguards against unforeseen challenges. As agricultural risks expand, the significance of crop insurance emerges, given agriculture's foundational role in economies and the escalating need for food security, which is likely to propel insurance policy sales. The commercialization of agriculture enhances risk assessment, further driving insurance uptake. Additionally, the proliferation of new pests and diseases affecting crop yields amplifies market demand, while government initiatives aimed at supporting the agricultural sector boost farmer awareness and financial stability regarding crop insurance. However, the agriculture industry grapples with challenges such as declining arable land, environmental concerns, and escalating labor costs, though the trend toward sustainable and greenhouse farming practices presents promising opportunities. Technology, encompassing satellites, remote sensing, and AI, plays a pivotal role in streamlining crop insurance processes-facilitating farmer information management, premium collection, and claims processing-which is set to unlock lucrative growth avenues for the market. Despite challenges such as limited availability, low awareness, and elevated insurance premiums, alongside insufficient information on policies and claims, the US crop insurance market is well-positioned for sustainable growth with a favorable compound annual growth rate (CAGR) anticipated in the upcoming forecast period.

Top-down and bottom-up approaches were used to estimate and validate the size of the global crop insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

global crop insurance Market Segmental Analysis

Global Crop Insurance Market is segmented on the coverage, type, distribution channel, and region. By coverage, market is segmented into multi peril crop insurance (Mpci), crop hail insurance. By type, market is segmented into crop yeild insurance, and crop revenue insurance. By distribution channel, market is segmented into banks, insurance companies, brokers/agents, and others. By region, the market is segmented into North America, Europe, Asia Pacific, Middle East and Africa, and Latin America.

Driver of the global crop insurance Market

The global crop insurance market is witnessing significant growth driven by the rapid adoption of digital initiatives and innovative technologies. Advanced tools such as satellites, drones, Internet of Things (IoT), artificial intelligence, and mobile applications are revolutionizing the agricultural landscape by enhancing risk assessment and management. These technologies facilitate real-time monitoring of crop health, precise weather forecasting, and robust data analytics related to crop conditions and land specifics, thereby addressing uncertainties and minimizing risks inherent in farming. As stakeholders increasingly leverage these digital solutions, the effectiveness of crop insurance is amplified, leading to market expansion and increased investment in agricultural resilience.

Restraints in the global crop insurance Market

One significant market restraint for the global crop insurance market is the dependence on government support and stable regulatory frameworks. Political instability, changes in administration, or shifts in agricultural policy can disrupt the continuity and effectiveness of crop insurance programs. An inconsistent regulatory environment can lead to uncertainty for private insurers, potentially discouraging their participation in the market. Additionally, the lack of collaboration between governmental bodies and private sectors can create gaps in coverage and product offerings, ultimately hindering the development of comprehensive insurance solutions that are crucial for safeguarding farmers against the risks associated with crop farming.

Market Trends of the global crop insurance Market

The global crop insurance market is witnessing a notable shift toward the adoption of climate index insurance, also known as parametric or index-based insurance, driven by its cost-effectiveness and efficiency. This innovative insurance product payments trigger when predetermined weather indices, like rainfall percentages, are met, circumventing the need for costly inspections and mitigating risks of fraudulent claims. The growing awareness among farmers of its attractive lower premiums and effective climate risk transfer is fueling demand. However, challenges such as basic risk, limited hazard coverage, and a lack of expertise impede broader implementation. To maximize its potential, collaboration among scientists, policymakers, and industry stakeholders is essential to create comprehensive climate index insurance solutions that enhance financial resilience for farmers facing climate uncertainties.

Table of Contents

Introduction

• Objectives of the Study
• Definitions
• Market Scope

Research Methodology

• Information Procurement
• Secondary & Primary Data Sources
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Market Overview Outlook
• Supply Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Dynamics
  • Drivers
  • Opportunities
  • Restraints
  • Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of Substitute Products
  • Bargaining Power of Buyers
  • Threat of New Entrants
  • Bargaining Power of Suppliers

Key Market Insights

• Key Success Factor
• Degree of Competition
• Top Investment Pockets
• Ecosystem of the Market

Crop Insurance Market, By Coverage

• Market Overview
• Multi Peril Crop Insurance (Mpci)
• Crop Hail Insurance

Crop Insurance Market, By Type

• Market Overview
• Crop Yeild Insurance
• Crop Revenue Insurance

Crop Insurance Market, By Distribution Channel

• Market Overview
• Banks
• Insurance Companies
• Brokers/Agents
• Others

Crop Insurance Market Size by Region

• Market Overview
• North America
  • USA
  • Canada
• Europe
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America
  • Brazil
  • Rest of Latin America
• Middle East & Africa (MEA)
  • GCC Countries
  • South Africa
  • Rest of MEA

Competitive Landscape

• Top 5 Player Comparison
• Market Positioning of Key Players, 2023
• Strategies Adopted by Key Market Players
• Recent Activities in the Market
• Key Companies Market Share (%), 2023

Key Company Profiles

• Great American Insurance Company (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Chubb (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ICICI Lombard General Insurance Company Limited (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allianz Ghana (Ghana)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Future Generali India Insurance Company Ltd (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Santam (South Africa)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sompo International Holdings Ltd. (Bermuda)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Hannover Ruck SE (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tokio Marine HCC (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Global AG Insurance Services, LLC (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Compeer Financial, ACA (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Kshema General Insurance Limited (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• QBE Holdings, Inc. (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Reliance General Insurance Company Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tata-AIG General Insurance Company Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fairfax Financial Holdings Limited (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PICC (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Agriculture Insurance Company of India Limited (AIC) (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Financial Group, Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• QBE Insurance Group Limited (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments