Crop insurance is an important instrument for farmers to cope with climate risks. Yet, also, diversification plays a crucial role. The use of crop insurance and diversification is interrelated. For example, an increasing support and uptake of insurance solutions may discourage farmers to take diversification measures on the farm, given that they now have an insurance dealing with risks. This may have unintended consequences, such as biodiversity decline.

We examine the relationships between seven different kinds of income diversification and the uptake of crop insurance. Theoretically, both substitutive and complementary relationships are possible. The reason is that, depending on their preferences and constraints, farmers choose income bundles that optimally balance profits and risks. Here we provide the first systematic empirical examination of this issue. Our analysis is based on our own survey data from 1176 Swiss fruit growers. We consider on– and off-farm diversification strategies, namely inter-varietal diversity, agro-tourism, processing and direct marketing of products, creation of financial reserves for bad times, forestry work, off-farm investment, off-farm income and their association with insurance uptake. In line with our theoretical reasoning, we do indeed find both substitutive and complementary relationships. In general, on-farm diversification is associated with positive insurance demand, whereas off-farm diversification has a negative association.

作物保险是农民应对气候风险的重要手段。但是，多元化也起着至关重要的作用。作物保险的使用和多样化是相互关联的。例如，越来越多的支持和采用保险解决方案可能使农民不愿在农场上采取多样化措施，因为他们现在已经拥有应对风险的保险。这可能会产生意想不到的后果，例如生物多样性下降。

我们研究了七种不同的收入多样化与农作物保险的使用之间的关系。从理论上讲，取代关系和互补关系都是可能的。原因是，农民根据自己的喜好和约束条件，选择能够使利润和风险达到最佳平衡的收入捆绑。在这里，我们提供了对此问题的第一个系统的经验检验。我们的分析基于来自1176个瑞士水果种植者的调查数据。我们考虑农场内和农场外的多元化战略，即品种间多样性，农业旅游，产品的加工和直接营销，为困难时期建立财政储备，林业工作，农场外投资，农场外收入及其与保险的使用相关联。根据我们的理论推论，我们确实确实找到了替代关系和互补关系。通常，农场多元化与正的保险需求相关，而农场多元化与负的保险相关。