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2014, vol. 61, br. 3, str. 561-573
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Osiguranje useva - rizici i modeli osiguranja
Crop insurance: Risks and models of insurance
Sažetak
Pitanje zaštite useva je veoma važno zbog različitih rizika koji mogu da izazovu teške posledice. Jedna vrsta zaštite od rizika je i osiguranje. Autor u radu navodi različite modele osiguranja u nekim zemljama EU, kao i sisteme subvencionisanja premije osiguranja od strane države. Takođe, autor daje sliku osiguranja useva i u SAD, navodeći da se u ovoj zemlji poklanja velika pažnja ovoj materiji. Što se tiče osiguranja u Srbiji, ono nije na zavidnom nivou. Osnovni problem kod osiguranja useva nije vezan samo za rizike, već i za način zaštite putem osiguranja. Osnovno pitanje koje se nameće ne samo u EU je ko će osigurati i zaštiti useve. Postoje tri mogućnosti: osiguravajuća društva koja su pod kontrolom države, društva koja predstavljaju javno-privatna partnerstva ili privatna društva na čisto tržišnim osnovama.
Abstract
The issue of crop protection is very important because of a variety of risks that could cause difficult consequences. One type of risk protection is insurance. The author in the paper states various models of insurance in some EU countries and the systems of subsidizing of insurance premiums by state. The author also gives a picture of crop insurance in the U.S., noting that in this country pays great attention to this matter. As for crop insurance in Serbia, it is not at a high level. The main problem with crop insurance is not only the risks but also the way of protection through insurance. The basic question that arises not only in the EU is the question is who will insure and protect crops. There are three possibilities: insurance companies under state control, insurance companies that are public-private partnerships or private insurance companies on a purely commercial basis.
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