云新闻·在现场丨保单送到咖啡地，泸水咖啡有了“风险保护伞”Cloud News · On site - Insurance policy delivered to coffee shop, Lushui Coffee has a 'risk protection umbrella'

“您好，这是您们公司的精品咖啡种植保险保单，后续有相关保险服务及理赔等需求，可随时联系我们……”近日，在泸水市上江镇丙贡村咖啡基地里，太平洋产险怒江中支工作人员踩着田间土路，把怒江傈僳族自治州首单精品咖啡种植商业性保险保单亲手交到上海邑文信息科技有限公司怒江分公司负责人手中。

Hello, this is your company's premium coffee planting insurance policy. If you have any further insurance services or claims needs, please feel free to contact us at any time... "Recently, at the Binggong Village Coffee Base in Shangjiang Town, Lushui City, Pacific Property Insurance Nujiang Middle Branch staff stepped on the dirt road in the fields and personally handed over the first premium coffee planting commercial insurance policy in Nujiang Lisu Autonomous Prefecture to the person in charge of Shanghai Yiwen Information Technology Co., Ltd. Nujiang Branch.

This policy provides a protective net for premium coffee planted on 2400 acres of land for over a year, with a total premium of over 30000 yuan. According to the insurance terms, each acre of coffee can receive a maximum compensation of 2800 yuan, and the cumulative maximum compensation can reach over 6.7 million yuan. This policy fills the gap of exclusive planting insurance for the coffee specialty industry in Nujiang Prefecture, and opens up a new path of "insurance+industry" to help farmers increase income in the canyon mountains.

The coffee industry is a pillar industry for the revitalization of rural areas in Lushui, connecting the development of enterprises and the hope of increasing income for millions of people. The Nujiang Canyon is high and deep, and disasters such as mudslides, extreme low temperature rainfall, and pests and diseases occur from time to time. Coffee has a long growth cycle and requires large investments in land, seedlings, and management in the early stages. Once disasters occur, losses directly fall on the enterprises and coffee farmers. The risk of "relying on the weather to make a living" has always hindered the development of coffee enterprises and farmers.

In order to solve the risks and difficulties in industrial development, the Pacific Property Insurance Nujiang Branch has partnered with the Agriculture and Rural Bureau of Lushui City, Dehong Dai and Jingpo Autonomous Prefecture, Institute of Tropical Agricultural Science, and Tropical Subtropical Economic Crop Research Institute of Yunnan Academy of Agricultural Sciences. Based on the special geographical and climatic conditions of Nujiang Prefecture, it closely focuses on the actual pain points of the premium coffee industry, meets the real risk demands of coffee enterprises and farmers, and tailors premium coffee planting commercial insurance products, including natural disasters, pests and diseases, and accidents all within the scope of insurance liability.

As long as daily maintenance is done properly, insurance claims can help us recover most of our losses in extreme weather, pests and diseases, and other disasters that are difficult for human labor to cope with. It is equivalent to attaching a reliable 'safety belt' to the development of the enterprise. From the perspective of comprehensive protection and insurance costs, this insurance has a high cost-effectiveness. "Yu Yong, Deputy General Manager of Nujiang Branch of Shanghai Yiwen Information Technology Co., Ltd., held the newly signed policy with a reassuring tone in his words.

The implementation of the first coffee insurance policy is another practice of Lushui Finance empowering characteristic industries, following the "Coffee Loan" and Caoguo Insurance, and further improving the risk protection system of the local characteristic rich leading industry.

Xiao Hongmei, Secretary and General Manager of the Nujiang Branch of Pacific Property and Casualty Insurance, introduced that this pilot project is a good start. We will summarize the practical experience of the pilot program in the future, promote the further expansion of the coverage model, and bring inclusive insurance to more coffee shops and farmers. Continuously iterating and optimizing insurance products, simplifying claims processing procedures, actively coordinating with various levels to strive for financial subsidies, reducing the pressure on business entities to purchase insurance, deeply cultivating the "insurance+characteristic industry" model, and using financial services to safeguard the steady progress of the coffee industry.

As one of the six core premium coffee producing areas in Yunnan, Lushui Coffee has become a rising star in the Yunnan coffee industry. In recent years, Lushui City has continuously cultivated the coffee industry as a key industry for enriching people and revitalizing villages. The coffee planting area has exceeded 80000 mu, and the coverage of high-quality varieties has reached 83%. The number of coffee operators has grown to 52, including 4 large-scale enterprises, driving a total of 11200 coffee farmers from 2813 households, with an average income increase of 35900 yuan per household. The once bitter fruit in the mountains and fields is gradually transforming into the golden beans for ordinary people to increase their income and become prosperous.

In the past, the biggest risk in coffee cultivation was the lack of a safety net from disasters. When faced with disasters, enterprises and growers had to bear the burden themselves. Now, commercial insurance for specialty coffee cultivation has filled this gap and built a strong risk barrier for the large-scale and high-quality development of the industry, "said Mi Yuan, Deputy Director of the Agriculture and Rural Bureau of Lushui City.

Miyuan stated that the Municipal Agriculture and Rural Bureau will continue to deepen its collaboration with insurance institutions, increase the promotion and popularization of insurance policies, guide enterprises and coffee farmers to use insurance tools to resist production risks, promote the deep integration of insurance protection, standardized planting, and industrial quality and efficiency improvement, and help the stable and far-reaching development of the premium coffee industry in Nujiang, consolidating the foundation for sustained income growth for the masses.

Yunnan Daily - Yun News Reporter: Li Shouhua Correspondent: Gao Qingying

Editor: Li Xingwen

Reviewed by: Zhang Yaolong