Agricultural insurances

Živimo v svetu, ki se spreminja zelo hitro in je poln naravnih katastrof. Slednje predstavljajo velika tveganja za kmetovalce. Kmetje se lahko pred temi tveganji zavarujejo s pomočjo kmetijskih zavarovanj. Slovenske zavarovalnice ponujajo lastnikom kmetijskega premoženja različne ponudbe in kritja. Ker pa so zavarovalne premije kljub temu zelo visoke, skuša država delež proračuna nameniti sofinanciranju premij kmetijskih zavarovanj. Vendar se ta delež iz leta v leto manjša. V diplomskem delu smo predstavili kmetijska zavarovanja in sofinanciranje zavarovalnih premij s strani države. Kmetijska zavarovanja postajajo čedalje bolj nujna za kmete. Smo v času številnih podnebnih sprememb in ekstremnih vremenskih pojavov, ki povzročijo ogromno škodo. Republika Slovenija skuša od leta 2006 slovenskim kmetovalcem pomagati pri zavarovanju kmetijske proizvodnje s sofinanciranjem zavarovalnih premij. Glavni razlog sofinaciranja zavarovalnih premij je spodbuditi kmetijske pridelovalce, da zavarujejo svojo proizvodnjo in premoženje pred naravnimi nesrečami in v primeru le teh zmanjšajo negativne ekonomske učinke.We live in a world that is changing very fast and is full of natural disasters. These disasters pose significant risks for farmers. Farmers can insure against these risks through agricultural insurance. Slovenian insurance companies offer owners of agricultural assets different types of the various bids and coverage. But because insurance premiums nevertheless very high, the state trying to share the budget to co-finance agricultural insurance premiums. However, this proportion from year to year decreases. In this thesis, we present agricultural insurance and co-financing of insurance premiums. Agricultural insurance is becoming increasingly urgent for the farmers. We are in a time of many climate change and extreme weather events that cause enormous damage. Since 2006, Slovenia implemented co-financing of insurance premiums for agricultural production. The purpose of the co-financing of insurance premiums is to encourage agricultural producers to insure their production and property against the consequences of natural disasters and to reduce the negative economic effects