Core Viewpoint - Agricultural insurance serves as a stabilizer for modern agricultural development, with Guangdong insurance institutions actively enhancing risk protection for high-quality industrial development through product, service, and model innovations [1] Group 1: Product Innovation - Innovative insurance products such as "Huai Ji County Vegetable Value Index Insurance" and "Agricultural Product Price Insurance" have been developed to extend coverage from traditional natural disaster risks to market risks, facilitating a shift from "cost protection" to "income protection" [2] - The implementation of these innovative products has provided nearly 20 million yuan in price risk protection for over 6,200 acres of vegetables in Huai Ji County, encouraging farmers to increase investment and improve quality [2] Group 2: Service Innovation - The integration of advanced technologies like 5G, big data, and artificial intelligence has led to the establishment of a comprehensive disaster prevention service system, enhancing agricultural development in Guangdong [4] - The use of remote sensing and drone technology has improved the accuracy of damage assessment and claims processing, transitioning agricultural insurance services from human-dependent to intelligent and precise [5] Group 3: Model Innovation - A new agricultural insurance service ecosystem is being constructed in Zhaoqing, characterized by government guidance, market operation, and multi-party collaboration, providing a one-stop solution for agricultural operators from production to sales and risk protection [6] - The establishment of a collaborative mechanism involving banks, insurance companies, carbon trading companies, enterprises, and government has effectively promoted green development in local forestry industries, facilitating over 43 million yuan in financing for small forestry enterprises [6]