Ubezpieczenia majątkowe w rolnictwie – konieczność czy przywilej
Property insurance in agriculture – necessity or privilege

Author(s): Ewa Gryczyńska
Subject(s): Law, Constitution, Jurisprudence, Civil Law, Law on Economics, EU-Legislation
Published by: Wydawnictwo Uniwersytetu Śląskiego
Keywords: insurer; policyholder; injured party; farmer; Civil Liability Insurance
Summary/Abstract: The purpose of my deliberations is to draw the attention to the critical role of property insurance in agriculture. Risk reduction and consequently greater financial stability allows more efficient use of the available funds and development of farms, increasing their innovation. Farmers omission to buy insurance and the application of passive risk reduction forms, including collection of financial reserves or avoiding obligations contracted in the form of credits, has a negative effect on agriculture. Agriculture is a type of operations of natural persons bearing a higher degree of risk. It is caused by the specific nature of agricultural production which is exposed to a number of unfavorable factors: biological, technological, price risk as well as weather or climatic conditions, which, in the era of global warming, are stronger and more frequent. A farmer is often unable to prevent the effect of events prevailing in this area of the economy. Property insurance is a broad notion, its scope includes asset insurance and civil liability insurance. There are three types of mandatory insurance. I will thus attempt to look at the balance of profits and losses concerning the decision to conclude an insurance contract in the context of the legal regulations, among others, cultivation insurance subsidies. I will determine whether insurance is a necessity or privilege, or perhaps both a necessity and a privilege.

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