VPLYV ROZNYCH DRUHOV POISTENIA NA RIZIKOVOST PESTOVANIA PSENICE OZIMNEJ V NITRIANSKOM KRAJI

The situation in the agricultural insurance and also the insurance market in Slovakia is developing very dynamically. Crop insurance is one of the insurance types with highest risk, and the total amount of insured yardage is very low. Nowadays in Slovakia only three commercial insurance companies out of 27 offer agricultural insurance. They offer insurance products focused on crop and livestock. To increase the demand the government supports farmers by 50% of the premium. In this research the impact of three different insurance types on the wheat production — yield insurance, price insurance, and revenue insurance are analysed. There are calculated expected claims costs, number of insurance benefits, amount of paid benefits, and the coefficient of variation at four insurance levels: 90%, 85%, 80%, and 75%. The insurance model on wheat production in Nitra region based on the production in the years 1998-2004 and sale data of 171 producers was applied