Świadomość ubezpieczeniowa rolników a potrzeba ubezpieczenia

• Autorzy: Roman Fulneczek

Warianty tytułu

Insurance Awareness of Farmers and the Necessity of Insurance

• Języki publikacji: PL

Abstrakty

Podsumowując rozważania na temat ubezpieczeń rolnych, potrzeby zawierania tych ubezpieczeń oraz świadomości rolników w tym zakresie należałoby stwierdzić, że niewątpliwie prowadzone są działania mające na celu ogólną poprawę sytuacji. Działania te jednak są zbyt ograniczone, aby można było istotnie zmienić podejście rolników do kwestii zawierania umów ubezpieczenia. Państwo w porozumieniu z instytucjami rynku ubezpieczeniowego, a także zakładami ubezpieczeń, próbuje wprowadzić rozwiązania, mające na celu poprawę sytuacji. Bardzo często jednak mało uważnie wsłuchuje się w komentarze i sugestie pochodzące z rynku. Same towarzystwa ubezpieczeń też nie do końca są zainteresowane rozwijaniem tego rodzaju ubezpieczeń i w konsekwencji tego zaledwie kilka firm oferuje taką ochronę swoim klientom. Jak wspomniano wcześniej, wynika to w dużej mierze z faktu, że towarzystwa nie liczą na duże przychody z tytułu tej działalności, a z drugiej strony wiedzą, że zaangażowanie w ubezpieczenia rolne wymaga znacznych nakładów finansowych. (fragment tekstu)

EN

Agricultrue, just like many other areas of economic activity, is characterised by many types of risks which may which may occur. Some of them are more predictable, some are less or not predictable at all; thus, it is important to be able to manage the risks skillfully. Natural risks, related to environmental conditions, constitute one of the most prominent dangers for agriculture, for the man has almost no influence on their occurrence. Also, the currently changing climate conditions around the entire globe, which have a major impact on the severeness of natural disasters such as floods or droughts, should be taken into consideration. Insurance is a very good tool for limiting the financial consequences of the afore-mentioned incidents. There has been an insurance tradition of over 200 years already in the area of Poland. During these two centuries, insurance products designed for agriculture have evolved significantly. Some of them used to be voluntary, others were obligatory or imposed by legal regulations. The actual risk rate has not always been the basis for the calculation of the insurance premium, for in case of regulatory insurances it used to be fixed by the state authorities. The currently existing insurance products for agriculture allow the whole farm (crops, livestock, real estate) to purchase a set of complete insurance security, which would protect it from a very wide range of possible risks. However, the main issue is the insurance awareness of the farmers. At the moment, there are some farmers or agricultural producers who do not even imagine a situation, in which their farm would operate without some kind of insurance. Unfortunately, there are also some farmers who do not really consider the purchase of a proper insurance policy as an important aspect of their work. This situation is, to a large extent, a result of the fact that the farmers are used to the system of regulatory insurances, providing insurance for everyone pursuant to a specific act, which used to operate in Poland until not a long time ago. However, the reality of today is fundamentally different. Thus, it is extremely important to consciously shape the insurance awareness and knowledge about insurances amongst farmers. This task is to be implemented mainly by insurance companies, institutions operating in the insurance market and colleges and universities which provide agricultural education. Moreover, active performance of the state is necessary. Only the increase in the farmers' awareness may make them feel safer and more secure. They must know that they posses proper insurance security, so that they do not feel helpless and perhaps hoping only for temporary aid from the local or state authorities in the face of natural disasters. Development and improvement of the proper behavioral models is of great importance, mainly due to the fact that the Polish economy is still, to a large extent, based on agriculture. There is much potential strength in Polish agriculture, which is definitely one of the most influential elements for our country's competitiveness in Europe.(original abstract)

Słowa kluczowe

PL

Świadomość ubezpieczeniowa; Ubezpieczenia; Ubezpieczenia rolnicze; Rolnictwo; Ryzyko w rolnictwie

EN

Insurance awareness; Insurances; Agriculture insurance; Agriculture; Risk in agriculture

• Czasopismo: Rozprawy Ubezpieczeniowe
• Rocznik: 2007
• Numer: nr 2(3)
• Strony: 125--133

Twórcy

autor

Roman Fulneczek

• Akademia Finansów w Warszawie

Bibliografia

• 1. J. Monkiewicz (red.), Podstawy ubezpieczeń - t. II - Produkty, Wyd. Poltext, Warszawa 2003.
• 2. Wanda Ronka-Chmielowiec (red.), Zarządzanie ryzykiem w ubezpieczeniach, Wyd. Akademii Ekonomicznej im. Oskara Langego we Wrocławiu, Wrocław 2000, s. 15.
• 3. J. Socha, Ubezpieczenia klęskowe, Wiadomości Ubezpieczeniowe 3-4/2007, s. 70.
• 4. E. Wojciechowska-Lipka, Ubezpieczenie upraw rolnych i zwierząt gospodarskich. Kolejne zmiany w ustawie o dopłatach Państwa do składki, (w:) Prawo Asekuracyjne 2/2007, s. 52.
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