Core Insights - The article highlights the innovative risk reduction strategies implemented by the insurance company in collaboration with local farmers to mitigate hail damage in apple orchards, particularly in the Aksu region of China [2][5][6]. Group 1: Risk Reduction Strategies - The insurance company has initiated a hail net project in the Aksu region, with a total investment of 16.6 million yuan, aiming to build 500 acres of hail nets annually over five years [5]. - The cost-sharing model between the insurance company and farmers significantly reduces individual financial burdens while enhancing overall risk management [2][5]. - The implementation of hail nets has proven effective, with one farmer recovering over 4 million yuan in losses due to hail damage, while the project has collectively saved over 10 million yuan in economic losses [6][7]. Group 2: Technological Integration - The insurance company employs advanced technologies such as meteorological monitoring and satellite remote sensing to provide timely weather alerts and agricultural advice to farmers [3][9]. - In the cotton industry, similar risk reduction practices are being applied, with the insurance company investing 140 million yuan from 2021 to 2024 to support meteorological disaster prevention efforts [10]. Group 3: Comprehensive Risk Management - The insurance company has expanded its risk reduction services beyond agriculture to include the entire textile industry, addressing fire hazards during cotton processing and storage [10][11]. - A dedicated service team has been established to provide tailored risk assessments and prevention strategies for various industries, including chemical manufacturing [13][14]. - The shift from traditional insurance models to proactive risk management partnerships reflects a broader trend in the insurance industry towards comprehensive risk reduction services [14][15].

金秋时节，天山南北白絮飘飞，机声隆隆。记者在新疆喀什、阿克苏等地调研时看到，一朵朵洁白的棉花破 壳绽放，在这片丰收景象的背后，保险的力量正悄然注入。从田间地头到纺织车间，从仓储厂房到风险减量 实验室，一张覆盖棉花全产业链的"保险防护网"正越织越密。 保障从"纸上"走向"田间" 近年来，随着农业保险高质量发展政策持续落地，新疆保险业正通过科技赋能和风险减量机制，让保险从"赔 后补偿"走向"防灾预防"，从单一的保单保障延伸为贯穿生产全流程的风险管理体系。 初秋的库车市牙哈镇，阳光洒在棉田上，金黄与雪白交织出丰收的画卷。嗡嗡作响的无人机低空盘旋，对棉 田进行农险承保验标。操作员依斯肯迪尔熟练地操控设备，实时传回地块影像。"现在查勘效率和精准度都比 以前高多了，有了无人机帮忙，收获季节农民的心里也更踏实。"他笑着说。科技的力量，正让农险保障从纸 上走向田间。 在他的手机里，展示着一份来自"耘智保APP"的电子保单。只需轻点几下，就能看到承保面积、保障金额、 理赔进度等信息。"过去理赔得跑好多趟，现在查勘员用无人机拍照上传，赔款直接到账。"依斯肯迪尔说。 在人保财险新疆分公司副总经理尹东起看来，这正是"金融活水"浇灌在 ...