：
Policy insurance is an insurance operated by the government for a certain policy purpose, using the principle of commercial insurance and giving support policies.
Policy insurance includes social policy insurance and economic policy insurance.
1, social policy insurance is social insurance, which is run by the state to stabilize social order and implement the principle of social equity, and has certain political significance.
2. Economic policy insurance is the insurance that the state implements protection policies for some industries related to the national economy and people's livelihood from the macro-economic interests. It includes export credit insurance, agricultural insurance and deposit insurance.
Policy insurance generally has the characteristics of non-profit, government subsidy, tax exemption and legislative protection.
The main function of insurance is to provide necessary protection, do a good job in risk planning, rationally allocate funds and have leverage.
1. Provide necessary protection: insurance can provide protection for common risk factors such as accidents, health and death, reduce risk losses and effectively resist risks;
2. Risk planning: individuals or families can use insurance tools to plan their lives and transfer possible risks in advance;
3. Rational allocation of funds: insurance is a tool for allocating funds, which has certain investment and can inherit wealth by designating beneficiaries;
4. Leverage: Insurance can exchange a relatively small premium for a higher amount of insurance. With leverage, the insured can get better protection.
Commercial insurance can be roughly divided into property insurance, personal insurance, liability insurance, credit insurance, subsidy insurance and marine insurance.
Large categories are classified according to the scope of insurance liability, and small categories are classified according to the type of insurance subject matter.
According to the scope of insurance, it is divided into: personal insurance, property insurance, liability insurance and credit guarantee insurance.
1. Fire insurance covers the losses caused by fire to the property stored on land in a certain geographical range, such as machines, buildings, various raw materials or products, household appliances, etc.
2. Marine insurance is essentially a kind of transportation insurance, and it is the earliest insurance in various insurance businesses. The insurer is liable for the loss of the subject matter insured caused by maritime perils.
3. Cargo transportation insurance is cargo transportation insurance other than maritime transportation, which mainly covers the loss of goods during inland river, inland river, coastal and air transportation.
4. All kinds of vehicle insurance mainly covers the losses of all kinds of vehicles during driving and parking. It mainly includes automobile insurance, aviation insurance, ship insurance and railway vehicle insurance.
5. Engineering insurance covers all unexpected losses and personal injuries and property losses of third parties in various engineering processes.
6. Post-disaster interest loss insurance refers to the insurance that the insurer bears the insurance liability for all kinds of intangible interest losses that may be caused after the property suffers an insurance accident.
7. burglary insurance will compensate for the property losses caused by robbers or thieves.
8. Agricultural insurance mainly covers the losses caused by natural disasters or accidents of various crops or cash crops and various livestock and poultry.