EVALUATION OF INSURANCE COMPANIES FUNCTIONING IN AGRICULTURE IN THE OPINION OF SURVEYED FARMERS OF THE KUJAWSKO-POMORSKIE REGION

Abstract

This work contains research results concerning insurance companies functioning in agriculture, performed in the period from July to August 2001 on 188 farmers of the kujawsko-pomorskie region. Farmers cooperating with the Insurance Company Agropolisa S.A. (stock company) Bydgoszcz Division took part in this survey. As the results show insurances most often realized by farmers are obligatory, such as insurance of buildings belonging to their farms and OC – farmers’ civil liability insurance. The research reveals that the small number of non-obligatory insurances is closely related to the high rate of insurance premium. Insurance companies are not appreciated by some of the farmers as many of them (40.9%) were not satisfied with their activity. The examined farmers, also the satisfied ones, above all, expect the companies to lower the insurance premium (69.1%) and improve the way of functioning, for example improve access to information (19.1%) and make liquidation of damages more efficient (8.0%). Most of the examined farmers (70.2%) are of the opinion that it would be advisable and necessary to set up an institution dealing with Protection of the Insured People Rights.