Farm management insurance in the Republic of Serbia
2020
Prodanović, Radivoj | Đurić, Katarina | Subić, Jonel | Jeločnik, Marko | Andrei, Jean Vasile
The main goal of this article is to present the state and trend of agricultural insurance development in the Republic of Serbia, as to investigate the factors that determine the extent of agricultural insurance. Agricultural insurance in the Republic of Serbia is underdeveloped. During 2015, the number of signed policies was 19,799, or 3.13% of the total number of agricultural households. Mainly plant production is secured with almost 90% participation. The total premium for crop and fruit insurance is around 130 million EUR. The insured areas cover an average of 400,000 ha or 13% of the total arable land, with a slight upward trend. Factors on which the development of insurance depends are the economic development of the country, the state financial support, the offers of insurance companies, the specialization of production, the level of information of farm ers, their perceptions of the importance of insurance, etc. Farmers perceive agricultural insurance as beneficial. They cite stability of production/income as the main motive for concluding insurance contracts, and other motives such as personal perceptions, information and education are important. Farm ers who do not have an insurance policy state as a key limiting factor the lack of financial resources, as the price of insurance, lack of adequate information, distrust, etc.
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