Ubezpieczenia zagrożeń środowiskowych w gospodarstwie rolnym
Insurance of environmental risk in agricultural entity

Summary/Abstract: Agriculture largely depends on natural resources and at the same time also affects functioning of environment. This impact on the environment can be assessed in two ways: positively (e.g. improvement the quality of soil, preservation of biodiversity) or negative (e.g. pollution of surface waters, reduction of the amount of wildlife). In the case of an imminent threat of environmental damage or environmental damage, the responsibility is taken by the entity using the environment. According to the Prevention and Remedying of Environmental Damage Act of 13 April 2007 the definition includes citizens involved in business activity aimed at production in agriculture in the field of farming, animal husbandry and breeding, gardening, vegetable growing, forestry and inland fishing, who perform activities carrying the risk of threat of environmental damage or other activities different than these causing environmental damage (damage in protected species and protected natural habitats) which pose imminent threat of environmental damage or cause environmental damage. The environmental responsibility is based on the ‘Polluter Pays Principle’, which not only contribute to reducing and minimizing the effects caused damage to the environment, but also effectively prevent them. The aim of article is to identify the risks of environmental liability based on the Act in relation to farm activities. Moreover, the authors analyze current insurance solutions (compulsory and non-compulsory) in terms of coverage of the environmental pollution’s effects.

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