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AGRICULTURAL INSURANCES IN THE MACROREGION OF NORTHERN POLAND

100%

Stempel R.

Olsztyn Economic Journal

2010

vol. 5

issue 1

50-65

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.

RATING IN THE OPINION OF THE OLSZTYN INSURANCE COMPANIES

63%

Kucka E., Stempel R.

Olsztyn Economic Journal

2007

vol. 2

issue 1

169-176

The aim of studies was an attempt of giving the opinion about rating, its usefulness and a level of its using so far by the insurance companies from the city of Olsztyn. The research was carried out in the year 2005 in the companies of I and II branch that had been operating on the market for more than 5 years. The research tool was a questionnaire put forward to the managers of 24 insurance companies who had given their assent for carrying out the research. The study shows that more than a half of respondents consider rating to be a reliable and comprehensive source of evaluation. In the opinion of 92% out of the examined insurance companies, the possession of ranking note contributes to increasing investors' confidence, while only 17% think that it is not important for their clients. However, the high costs of external rating and fear of getting a low note are the barrier in using that type of tool by the insurance companies from Olsztyn.

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2 Olsztyn Economic Journal

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2 Stempel R.

1 Kucka E.

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AGRICULTURAL INSURANCES IN THE MACROREGION OF NORTHERN POLAND

RATING IN THE OPINION OF THE OLSZTYN INSURANCE COMPANIES