AGRICULTURAL INSURANCES IN THE MACROREGION OF NORTHERN POLAND

The studies aimed at formulating the diagnose of agricultural insurances in family farms of northern Poland. The choice of farms for the study was performed by applying the random-strata sampling system. For the confidence level of 0,95 the minimum number of farms for the study was 384. The questionnaire-based study encompassed 420 family farms with the area exceeding 1 ha. The studies indicate that 90% of the farms purchased the compulsory agricultural insurance. The average year cost of crops insurance per farm amounted over PLN 300, farm buildings PLN 280 and farmer's third party liability PLN 70. More than a half of the farmers declared that the average burden for the farms. Voluntary insurance was less popular. Only about 20% of farm owners purchased them. The farmers covered only 7,6% of the area under crops with the voluntary insurance and the costs of such insurance averaged just around PLN 100. The study also found a clear, directly proportional relation between the farm area and the level of the farm insurance.