Abstract: In order to realize the sustainable development of edible fungi industry, it is urgent to establish and perfect the policy-based insurance system of edible fungi. By sorting out the current situation of the policy-based insurance for edible fungi in Fujian Province in recent years, the problems existed in the process of development were pointed out, such as the weak consciousness of participating in the insurance, insufficient service ability and triple moral hazard behavior. Based on this, the countermeasures were put forward from the perspectives of government support, market operation and the industry itself, in order to provide reference for the development of the policy-based insurance for edible fungi.