This paper,based on current situation of China's agricultural insurance,analyzes the theoretical and practical cause of the difficulties in agricultural insurance,indicates that agricultural insurance should use multiple system arrangement modes based on agricultural insurance policy and that pure agricultural risk and "three agricultural risk" should be separated to use product combination design method of classification management and to use a series of agricultural insurance product combination to deal with agricultural risk in the techniques of agricultural risk management and that traditional risk management and insurance techniques are used to deal with small agricultural risk and that ART financial engineering technique design and agricultural financial derivative products are used to deal with big agricultural natural disaster by the combination of insurance market,capital market and currency market to solve agricultural insurance problems.