Insurance planting planting plantings. The peculiarities of insurance I give birth to agricultural crops and creatures. Insurance of benefits - the main risks

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Insurance of agricultural crops. Significance of the strong breeding of our country of greatness. In one of the articles, we already talked about the insurance of the strongest creatures, now the devil has gone to Russia.

Why is it so important to insure strong support crops?

That is why this kind of activity is more common for people. Well, it’s not possible for the time being for a person to slip into the manifestations of nature! Dry or lingering boards often come at an inopportune moment, which is why I’m giving birth to wrongful shoddy crops. In such situations, the insurance company should give the financial support to the manufacturer of agricultural products. And the result will be the possibility of completing the financial destiny and preparing in time for the new sowing.

Such types of crops are insured: grain, olive, technical, bashtann, fodder, as well as potatoes, vegetables and bagatoric plantations (vineyards, fruit and berry crops).

Insurance losses in case of insurance of agricultural crops

Їx less than two:

the death of sowing I give birth;
private vtrata (shkodzhennya).

And the axis of the winknut tsі vipadki can have the results of natural phenomena:

dry;
lingering boards that angry;
frosts and crippling frosts;
pour in hail;
spring wind;
avalanches, mudflows and winds;
earthworm.

The reason for this could be:

Shkidniki roslin, creatures, birds, grizzlies;
Pozhezha;
Umisn_ protipravn_ dії tretih osіb;

Part of the crops grow in greenhouses, and there are also risks of growing in the event of accidents in the systems of electric heat supply.

What are the features of the insurance of agricultural crops?

Insurance of agricultural crops may be special. The number of features influences the presence of 2 programs for the execution of insurance - and the one on commercial minds.

The support of the state opposes the fact that, due to unfriendly weather minds, the state often compensates for spending money on the cost of the policy. Tsya compensation can be 50 and more vіdsotkіv vartosti policy.

At the same time, the lines of insurance are separated by the line of the end of the sivby and the line of the end of the election work.

Insurance on commercial minds - ce expansions of the resemblance of risky approaches and choice of minds of insurance by the insurer itself (for example, choice of the term insurance). Here you can insure not the entire crop, but, let's say, a greater part of it. Tse is called "non-insurance". Vіdshkoduvannya zbitku will be at that vіdsotkovom spіvvіdshennya.

Is the sum of insurance that is poured into it?

On the expansion of the insurance sum, the area of sown areas is added, the crop yield and the variance of the implementation of a single crop. Data on yield and prices are taken as average for the rest of the year. Zbitok is assessed as a non-removable surplus.

The tariff for insurance in the skin region of Russia is based on statistical data of natural disasters.

Agricultural insurance companies

Practically all insurance companies-insurers offer the service of insuring rural areas.

Outpost insurance

Virishuvati insure chi do not insure your own good and give birth to the right dobrobіlnoy. Ale is not in the mood for a bank loan.

Making out a loan under the outpost of the future, I give birth to the transfer of insurance to the obligatory order. І The Bank at the time acted in a vigodonal way at the sight of sumi pozichkovoї zaborgovannosti.

We have discussed the main points of insurance, and you can get more information from the insurance companies.

The Russian economy has no galleys, which can be deposited in nature's bounties, less agrarian. How to secure your business in the face of a shortage of crops through abnormal droughts, early frosts, uneven sawing after truncated wood? To avoid such inaccuracies, it is necessary to insure the birth.

Insurance of growing agricultural crops

Compliant with the Law “On the organization of insurance in the Russian Federation” and the Rules for insuring the planting of agricultural crops and baguarial plantations, the object of interest can be buti different single and baguarial crops: cereals, chestnut, fruit and berry plantations what.

Insurance does not apply:

Harvest of natural harvests and pastures;
Odnorichny culture, yak protyag 3-5 rokiv did not give birth;
Bagatorіchnі roslini, yakі not bear fruit 5 rokіv pospіl;
Cultures, sightings in the region, known to the potentially weaker to spontaneous dashing (zsuviv, earth cowards, povenei thinly).

Insurance of benefits - the main risks

Most agricultural companies are insured against the fall:

unfriendly natural phenomena (perishing, wintering, hailstorming), as well as anomalous, uncontrollable natural disasters (ryasih snowfalls, zuviv, angry);
ailments, I give birth to shkidniks;
wait;
illegal third parties;
exit from the fret of the possession of that ruined minds of the service grew through the elemental disaster.

Insurance is carried out at the time of the change in the obligation to grow against the average indicator of the quantity of products taken from 1 ha for the remaining 5 years. The second option is ce insurance against the new death of the Russians. Rozmіr zbіtkіv at tsommu vpadku dоrіvnyuє insurance sum per 1 hectare, multiplied by the area of insured crops.

Insurance of growing agricultural crops is one of the key moments in effective and productive activity. I don’t give birth - I don’t get a surplus. The insurance will help the agricultural company to “get afloat” at the most important time for her.

Porada vіd Porіvnyannya.ru: Deyaki SK proponuyut a good reduction on the insurance premium for the mind that the insurer (vlasnik posіvіv) pay the service not for a premium, but for a fee when the contract is laid down in one payment.

For the need to insure the settlements of agricultural and subdar cultures and I give birth, contracts of voluntary insurance are laid down between insurance companies and agricultural companies, whether there are any forms of power at the borders of decorous legislation.

Peculiarities of insurance in the birth of agricultural crops

Possibility of insurance:

Grain and olive crops;
Greenhouse and native crops;
Technical and forage coal;
Vegetables and potatoes;
Harvest orchards and hops, vineyards;
Fruitful bushes and half moons;
Rose gardens and rose gardens;
Materials for pinning.

Prior to insurance of crops, the yield of such crops is often once per river, including rivers for the entire harvest.

It is necessary to protect that the insurance covers the whole area of crops or the growth of products.

Insurance for I give birth and benefits є:

Natural phenomena:
- freezing crops of ozimini;
- mid-season frosts;
- povin;
- hail;
- direct naslіdok angry;
- dry land;
- pozhezha vіd bliskavki;
- zsuvi that strength.
I give birth to ailments, as well as the reproduction of shkidnikov
Illegal third-party crimes, like shkodi - stealers, fell, other illegal actions.

A contract can be arranged for one of the risks, or it can be combined. The rest type of insurance is called multi-risk. Vіn є є voorozhchoyu merit of agrarian insurance, more often than not, on the laying of multi-risk agreements go undertakings with sovereign support.

Insurance contracts do not fit in the paddocks:

If enterprises, if they need to insure themselves, did not decrease the yield results for the remaining three years before joining the insurance company.
Likewise, cultures cannot be insured, as they roam in the zone of risks of natural minds.
Not insured natural shinzhatі that mіstsya pastors, as well as bagatorіchnі herbs.

Laying down that vikonannya contract

Contract from insurance I will give birth, or posіvіv maє buti ukazaniya before giving the cob of posіvu.

The harvest that grows in the protected soil is insured to the cyclic cob "sowing - planting".

Agrarian insurance agreement is placed exclusively on the crops of the planted area.

The peculiarities of this type of insurance contracts are those that the insurer has the right to review the claims. The first glance is taken at the hour of planting the insured products on the entire crop area. Give the insurer the right to carry out plans and look ahead.

Agro-insurance of horticultural plantations

Insurance of agricultural plantings of bagatoric plantations, as well as such cultures, is carried out before the start of vegetation.

There are two main methods for designing the insurance vartage of baguette crops, the basis of the skin one is pevna umova.

As a bagatoric culture, it is rebuying from a fruitful country, the balance price for the accounting level as of the date of signing the insurance contract is taken as a basis.
If a century of culture does not bear fruit, the scrip is taken as the basis, stained for growing culture. Confirming accounting documents of the form and value at the time of signing the contract.

Rozmіr sumi insurance can't overwhelm the wild plantations of the crops, selected from the rich plantings.

Tariff rates

Insurance tariffs for agricultural risks lie in the territory of growing, I will apply that dotrimannya agrarian norms that I could up to growing. The average tariff rate in Russia is 3-6%. Naynizhchi - 0.2%, nayvischi rates fixed 8%.

Skin culture has its own tariff rate. Before that, the rates of differentiation for the step are clashed in the form of territorial division.

The skin of the region has its own natural features, soil and weather, so the coefficients of tariff rates are divided based on the number of features.

Payment of insurance premiums can be paid in a one-time payment or on a premium. At the first drop, the entire sum of the total deposit is to be brought in. As soon as the line of stitching is drawn, then the agreement collects the ceremonies of the coming day after the insurer pays no less than 50% of the deposit. The term for making the remaining payment is subject to agreement and may be changed later.

Deposits on the policy

The sum insured is calculated by both parties, rozmir її dorіvnyuє vitratami technological implementation of the subject of the contract.

Calculation of the insurance premium for skin culture is calculated by multiplying the vartosta I plant from the landing area and the tariff rate.

For one-time payments, insurers give a reduction of up to 10% for the full sum of the insurance premium. For which it is necessary to visconate the mind lines of the contract:

For the autumn I give birth, I can agree on the arrangements until 30 April
For spring harvest crops - up to 31 May
For products that are processed on plantations - up to 31 worms

The last stage of laying down the contract is the delivery of the policy to the insurer, which is the first form.

The order of the day at the time of the insurance situation

It is necessary for the insurer to carefully consider the document that is being signed, especially the points that are being made by those vіdshkoduvannya zbitkіv. Іsnuє sledovnіst sledovnіst vіdomlennya insured about zapodіyana Skoda, as well as the main goitre of the insurer, yakі vіn maє vykonati for otrimannya insurance premiums.

Obov'yazyki belay:

At the same time, that outside the introduction of insurance payments.
Every now and then a message about the current insurance depression. The terms are written according to the specific skin contract. At the same time, for the sake of a letter, fix the otrimannya povіdomlennya on the other side.
Notification of the insurance company about the control re-checks and obstezhennia at the line designated by the contract. Also, a letter fixing the otrimannya povіdomlennya іnshoy side.
Timely data of statistical data, where the established forms of zvіtnostі, yakі can confirm the fact of the shortage of birth.
Submit to the insurer other additional documents that confirm, at times, as if the statistical forms do not satisfy the insurer with the facts of the shortfall.
Submission to the insurance company to the hydrometeorological center, which is unacceptable for the generation of the hydrometeorological mind.
Timely submission of an application for the release of the sbitkіv from the supplement of the necessary documents. Lines of submission of statements are also signed by the contract.

Dotrimannya could the insurance company to allow the withdrawal of insurance and payment in excess of that in the discussed terms.

Vіdshkoduvannya zbitkіv

I grow crops at a retail price between the insured products, taken out of the season and the average harvest of the remaining five years per 1 ha. Rozmіr zbitkіv price orientations (purchasing, market, negotiable), established agricultural insurance contracts.

As soon as the harvest is lost on the entire sown area, then the crops are counted in the following order: the average yield of one hectare for 5 years before the insurance fall is multiplied by the sown area and by the market vartist of culture. Withdrawal of the result and є the amount of insurance to pay for the total loss of landings. In rozrahunkah zbitkіv dermal region zastosovuєtsya sevny teritorialny coefficient.

In the event of the death of the enterprise, the actual cost of arrears of expenses for the purchase of expenses, payment for labor, PMM and fire, depreciation of equipment and other equipment can be deductible.

The insurance policy can cover the cost without compensation for the lost profit, and the sum of the insurance premiums will be incurable.

For the purpose of solving the problem, the necessary statistical data for the remaining five years. Do not start independent undertakings may be such show-offs. The same insurance company can take some data, which is in reality, from the following list:

Dani raion chi district, de insurer viroblya posіvi;
Give money to another district and district that lie before the insured person's birthplace or sow;
Regional data, demonstrating insured congenital posіvi;
Regional data of other subjects of the Russian Federation, closest to the month of growing insurance of agricultural crops.

Also, the insurance practice often blames the power supply over all or part of the area, which suffered under the hour of the insurance fall. As soon as the crop is lost, it’s more often or not often, and agrotechnical terms allow you to increase the number of crops, then the agrarian of the goiter needs to grow, before that, to pass the bill for your own account. Potim insurance company vіdshkodovuє vytrati on chastkove pіdsіv аbо resіv uєїї ploschі.

In this case, there may be a deposition of an act of obstezhennia, signatures by both parties. If in their minds the insurer does not know its crops if it is supposed to be done and re-sowed, then the insurer is aware of the total sum of the sizable sums of products, as if it could grow on the area of the destruction of the crop.

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Federal state budgetary lighting establishment of the highest professional education

PSKIVSKY STATE UNIVERSITY

Faculty of Finance and Economics

Department of finance and credit

course work

Insurance

Topic: "Insurance of agricultural crops and creatures"

Vikonav: Boginova Yu.A.

group 671-1303C

code 1167021

Revised by: Panteleeva A.L.

Pskov, 2012

Entry

Visnovok

List of references

Heading to the Rozrachunk part

Solution of the Rosrakhunk part

addendum

Entry

Insurance is one of the most recent categories of suspіlnyh vіdnosin. It was born at the hour of the laying out of the primary communal harmony and became an indispensable companion of the community's vigilance. Pochatkovy zmіst po'yazany po'yazany zі word "fear". The Vlasniks of the lane felt fear for yoga safety, entering into the state's blues. The main reason for the uneasiness of the dermal hairdresser of the lane is the censorship of the nature of the community warfare. On this soil, the vinyl is the idea of blowing material beats in a path of solidarity between the clogged hairdressers of the lane. Yakbi leather vlasnik, having tried blowing wedges with a wet kosht, vіn bov zmusheniya create material reserves equal to the size of the vartosti of his lane, which is ruinous. It was noted that the number of zatsіkavlenih states often becomes more for the number of victims. For such minds, in solidarity, the laying out of the battles between the zatsіkavlenimi gosudarstvom commemoratively smoothes out the traces of the elements and other vipadkіv. The more states take the fate of the rozladtsі, the less part of the koshtіv sits alone. So viniklo insurance, the day of such a warehouse is in solidarity, the layout of the beats is closed. The most primitive form of laying out the patches was natural insurance. However, such insurance was surrounded by natural frameworks of uniformity, diversity of natural reserves, which are formed with this help. To that, in the world, the development of commodity-penny money was received by the money of insurance in a penny form. The distribution of cash in penny form created wide possibilities for mutual insurance, if the sum of shkodi was given to the participants in solidary ambushes, or after a skin insurance fall, or after the end of the government's fate. In the minds of modern society, insurance turned into a wild universal claim of insurance coverage of all forms of power, business income and organizations. The specificity of financial assets in case of insurance influences the immovable character of these assets. Imovirnist shkodi is the basis for inducing insurance payments, with the help of which an insurance fund is formed. Vykoristannya koshtіv insurance fund pov'yazane z nastannya that naslіdkami insurance vipadkіv. The number of features of insurance money is included in the independent sphere of financial money. In Tsarist Russia, for the insurance industry, there were typical basic risks of capitalist insurance. Most importantly, insurance operations were carried out by joint-stock companies. 69% of the selected insurance payments fell on the part of them. The first state insurance organizations in Russia appeared in the 18th century. The order gave private insurance partnerships a monopoly on the law of insurance operations. The main types of lane insurance are fire and transport. The landlords and Kurkul states were insured against the fire. Insuring the death of that creature was not carried out, as it is of little vigilance.

The Zhovtnev revolution of 1917 gave birth to the molding of new suspіlnyh vіdnosin, which appeared on all sides of political and economic life. In the Soviet Socialist Republic, the creation of sovereign insurance is connected with the politics of the Radyansk state in the sphere of the economy and the rural state. The main ambush for the development of socialist insurance, yoga independence, was appointed by Lenin in the spring of 1917 to the fate of the robot "A terrible catastrophe and how to fight from it." Vіn nagoloshuvav on the need to nationalize the banks, and on the basis of the nationalization of the insurance company. In 1921, the head office of state insurance was created at the warehouse of the People's Commissariat of Finance. In 1922, an independent system of Derzhstrakh was formed. The development of that thorough state insurance was signified by the fierce economic policy of the state for the benefit of the working people. The development of insurance was growing at a rapid pace. Until 1929, 97% of the life, 89% of the great horned thinness, 81% of the crop area were insured. An important moment, the initial meaning of insurance, and a lot of elemental dashing ones, were beaten up, tobto. vіd pozhezhі, povіnі, earthworker, zliv, drill, hurricanes, zsuvіv, mudflows thinly. It was established by law that the state insurance of the state insurance was established for the insurance of the lane of collective farms until 1968, and from the insurance of the lane of the population it was saved until our time. After the collapse of the Soviet Socialist Republic with the low number of management of the State Insurance of the republics, territories, regions, cities, joint-stock insurance partnerships were created. In 1992, the government created the Russian insurance company Rosgosstrakh, tobto. Vinyl is a large holding company.

1. Features of carrying out that type of strong support insurance

The strong government is constantly succumbing to the infusion of the elemental forces of nature, so the strongest insurance can be made wider. It includes the insurance of agricultural crops, crop plantings, livestock insurance, car insurance, equipment and equipment of agricultural enterprises and farming states, crop insurance and other riches.

Insurance planting of agricultural crops and botanical plantings is carried out on a voluntary basis. The insurers are the agricultural commodities of all organizational and legal forms, peredbachenyh legislation.

Accept for insurance:

Harvest of agricultural crops, including fruit and berry, vineyard and other bagator plantations (a crop of natural harvests and pastures);

Trees (bushs) of fruit and berry and other bagatori wood-chagar plantations.

Harvest of agricultural crops, fruit and berry plantations can be insured against perishing or dryness, lack of heat, drought, frost, frost, frost, hail, storm, hurricane, wind, wasp spruce, waterless and unimportant for this mass meteorological ranks of other natural phenomena, uneven sawing during the flowering period, wilting of roslins, priming of the ground pick, rotting of the new root of the bulbous fruit in the soil, zmiv, and I choose to give birth, as well as from sickness and shkidnikiv roslyn . The harvest of crops that grow near the stolen soil, moreover, can be insured in case of accidents and in the future, it can lead to the ruin of zahisnyh disputes, or the supply of electricity, as a result, to death.

To the unimaginable and fatal meteorological natural phenomena one can bring trivaly boards and winds, trivaly screeching dry wind, snow, snow, fog, krizhan kirka, pidyom of the level of ground waters, wind and water erosion of the grunt, susvi, collapse that what.

An insurance drop, for which there is a beat, it is important to change the selection of crops per 1 hectare, viklikana the drop of the fall of this year (time-hour period), it is equal to the average indicator for the first five years.

Crushes are emerging, as they are manifested in the changed quantity of agricultural products taken from the average yield of 1 ha for the remaining five years. Rozmir zbitkiv are charged for the purchase (contractual, sale, market) price, fixed at the insurance contract. Crowds in case of repeated death of crops (plantings) on all or part of the area of culture are to be paid out of insurance money per 1 hectare of the area of dead crops. When reseeding or subsiding dead (shkodzhenih) crops, the rosemary shkodi is indicated for the improvement of the effects of cym additive vitrates and vartosity to bring in new planting (suspended) crops.

The average yield varies according to the entire area of sowing (planting) of the agricultural subdar culture for the harvest of that fate, tobto. including that area, where the cleanup was done, that death, that cleaning was not carried out. The average yield for 5 years is determined for all types (or groups) of agricultural crops and for the skin type of their main products. In the event of a rise in the average yield, all crop sowing periods are covered, including the periods in which the death of that other crop has occurred.

Deyakі culture give two or three types of main products (lyon, hemp, herbs) or rotate for different applications (for example, ozimine for grain and green fodder). For rozrahunka zbitkiv all types of won products are taken.

Depending on the fact that a new death was born, or else it was reduced and as a victorious culture was poshkodzhenya for the removal of the main products, which was planned, or for other purposes, a suitable formula for rozrahunku shkodi was chosen.

Contracts for insurance at birth are laid down behind the back (before the ear of sivbi or planting, the vegetative period is short) with the improvement of the biological characteristics of cultures and minds of their processing. Insurance is attached after the completion of the selection of birth.

Insurance contracts are laid down by the insurer on the basis of a written statement of the insurer of the established form from the designated insurance premium and sum, object, which is insured, and planted area.

Insurance premiums are calculated for a skin culture (group of crops) by way of multiplying the vartage I grow from the required area of sowing (planting) at the tariff rate (differentiation rates for crops and regions). They can pay a one-time payment for the sum of the sum of the river premiums or for the payment, and the remaining payment may be paid no later than the calendar line established for the acceptance of agricultural support crops for insurance under this contract.

When the insurance period is over, the insurer, in a letter of the form established by the contract, mentions the line about the insurer, resurrecting the name of the dead and poor agricultural crops, often the type of natural disaster, due to which the death (shkodzhennya) of culture has become, its trivality, intensity, nature of ushkod women for skin culture , the phase of the development of roslin at the time of hardship, the expansion of the area of ushkodzhen, as well as the area of culture, planned for reseeding (pіdsіvu).

The insurer reconsiders the reports about the death of the damage caused by the materials of the hydrometeorological service of those other organizations, as if to keep watch over the natural phenomena and their impact on the culture, establish the cause of the insurance fall, and look at the road mistsі podії. Let's become an act of the established form.

If the harvest of culture (groups of crops) is undermined not by insurance reasons, but by violation of agrotechnical rules for soil processing, underestimation of the norms of mineral fertilizers in the soil, by violations of the norms of visіvu and other reasons, then insurance feel. An act is also drawn up about this (in a dovіlnіy form).

Insurance of agricultural creatures that belong to agricultural commodities and robniks (be it an organizational and legal form of power) ce insurance of great horned thinness, sheep that kіz vіkom vіd 6 months; horses, camels, donkeys, mules and deer for the first time; pigs, wild animals and rabbits for 4 months; avian birds of egg-laying breeds in the country for 5 months, birds in the states that specialize in the production of broilers, for 1 month; family bdzhil at the vuliks.

On the insurance are not accepted ailments, sickness creatures, which are rebuying at the position of pre-diagnosed and post-opological ailments, as well as creatures, in those who, with the rest, have been diagnosed with brucellosis, tuberculosis, leukemia and other infectious ailments, a positive re action, creatures in quiet worlds in states, de installations quarantine for contagious illnesses, for insurance of such kind of creatures, as they are not susceptible to any illness.

In the aftermath of the death, in the wake of the slaughter, the decline of the insured overgrown herd of creatures, which came after the ailment, unfortunate weathers and spontaneous dashes, for example, in the wake of the oxen and deep snow twist, and also the death of that poshkodzhennya creatures in the form of an electric stream, vibuhu , sleepy or heat stroke, suffocation (asphyxia), attack by wild animals and stray dogs, freezing (hypercooling of the body, including in the aftermath of wicked woods, unseen snowfall), bruising with blasting herbs or speech, snake bite abo brittle coma, and also drowned, drank a lot of transport zasib, fell into a gorge, or perished in other traumatic ears too thinly. The insurance is also carried out on the basis of the slaughtered (reduced) creatures, as it was ordered by the specialist of the veterinary service for reasons given by the minds of the insurance, or links with the visits to fight against infectious diseases, epizootics єyu or not for a small ailment, which includes the possibility of a distant vicarious creature .

The insurer will only lead to direct damage (death, death, or the impressions of killing creatures), but not damage to products, which will lead to indirect damage.

In the event of the death of creatures in the agricultural and other enterprises and organizations, a surplus of additional balance (inventory) varosti of dead creatures is indicated. Although the individual appearance of the balance sheet of creatures is not kept, it is shown as the average for all creatures of this type. Crashes in the event of the death of working horses (including sports ones), camels, white-tailed horses and mules are charged for depreciation damage, depreciation is not compensated for working thinness.

When slaughtering great horned leanness, sheep, goats, pigs, horses, camels and deer, as well as wild bird slaughter, they are shown at the expense of the difference between their balance sheet and the sum, deducted from the implementation of the adventitious I eat meat. The quality of such meat is established on the basis of a document seen by the sovereign or cooperative organization that sold the meat. Like the meat of a slaughtered creature, it’s almost unsuitable for eating, Skoda is counted, as if from a vіdmіnku. However, the veterinary doctor (medical assistant) is responsible for the frequent unapproachability of the meat.

In the event of an imminent slaughter of savage animals, the slaughter is charged with the improvement of the change in the vart of the skins due to infectious diseases, natural disaster, or else burn. The price of the sold skins is set on the basis of the relevant adjustments of the procurement organization, which are provided by the state. In case of viboї rabbits, the beats are charged with the improvement of the varosti of skins and meat.

The sum insured is set at the request of the insurer, but not more than the actual varsity of the creatures out of the market prices, which were accumulated on the day the agreement was laid down, or for the balance sheet. The specificity of the purpose of the insurance sum is manifested in the fact that in rural enterprises, in cooperative and hromada organizations, creatures are insured for their balance sheet (inventory) number, and in the states of the community - out of the established insurance sums (norms).

Before entering into an insurance contract, the insurer is obliged to indicate in the application the type of creature, their age group, number and size, and amount of insurance money. The contract of insurance is laid down (on the lines no more than fate) for the latest obligation of insurance, or for the last insurance risks, after looking ahead of the creature and for the mind of the insurance of all the creatures of the first type of that age group. The contract is gaining rank after paying the insurance premium with the insurer, or the first part, but if the payments are due, I will not pay the insurance sum, the insurer will carry the insurance premium, іishli, to the total insurance sum.

For creatures that have been paid to the agricultural contractor under the hour of the contract, insurance contributions are not charged, but in case of death of these creatures, the insurance premium is paid for by looking at the insurance sum, covered by the insurance contract. For creatures, yakі vibuli at the selskogospodarskogo merchandiser under the hour of the contract, insurance payments are not returned, and the death of these creatures in the lower state, the insurance company does not pay.

Insurer goitre tell the insurer about the current insurance fluctuation by stretching out (or in the other term stipulated by the contract) from the day of death, the death caused by the slaughter of the death of the insured creatures in the aftermath, spontaneous and unfortunate fluctuations. The insurer after otrimannya declare about the insurance type of goiter for a stretch of three days to fold the insurance act according to the established form. The act is substantiated for the payment of insurance coverage for the dead, dead, beaten up or the poor creatures near the death of Shkodi, but not more than the insurance sum, established under the insurance contract for this kind of century-old group of creatures. As a matter of fact, on the day of the insurance premium, the amount of insurance is exceeded, established by the insurance contract, the amount of insurance coverage is shortened in proportion to the maturity of the insurance sum to the actual vartosti of creatures.

2. Insurance I give birth to strong support crops, the order of yoga

You can see that the cultivation of agricultural cultures is the most risky type of community cultivation. Hail, storm, hurricane, turn, fire can blame the result of hard work in a short term. But the most tragic ones are those that you can irrevocably spend your money on. The only way to protect your culture from the destructive forces of nature is to insure the birth. Otzhe, you have tried to insure your future harvest. Why start? Nasampered, vyznachte sobі ymovіrnіst nastannya insurance rizikіv in that region where your posіvi are located. About statistic information about how to freeze, dry, angry that іn. you can find out from the nearest weather station, the regional hydrometeorological center, the district administration of the agricultural state, or from the information of agronomists of the state states. Potsіkavtesya weather forecast for the next growing season. Now, if you want to know about those who can threaten your crops, be sure to insure them. If you want to protect your field from rich risks at once, including dry land, you can lay down an agreement on obov'yazykovogo insurance. At this time, you have a є, albeit small, chance of a 50-year-old state compensation for an insurance premium. Prote, remember, that obov'yazkovuvanniu insurance is only used to bring in grain crops and blood beetroots. If you are engaged, for example, in viticulture or gardening, you will be asked to provide good insurance. Under the contracts of voluntary insurance, you can insure all cultures, but, on the basis of obov'yazkovy, you have the right to choose the risk, franchise, insurance coverage and manage the tariffs. If you can afford to insure your field, if you don’t have enough money, you can place an insurance contract, for which, in the event of a current insurance situation, you will receive real losses incurred for sowing that cultivation. On the vіdmіnu vіd zrahuvannya vrazhayut, umіvіvіnі sіvіvannya sіvіv transfer the lower level of insurance sums, tariffs and vidpovіdno insurance premiums. The most important moment is to choose the right insurer. On the insurance market of Ukraine, a dozen of insurance companies are engaged in insuring rural insurance risks. In your region, you can request your services from at least 5 companies.

In order to make the best decision, consider:

what dosvid maє insurer have insured at the birth of agricultural crops;

what kind of service will the insurance company give you;

chi є at the company fahіvtsі, zdatnі qualіfіkovаno assess the situation, scho was formed on your field before laying down the insurance contract and after the insurance situation;

some equal to the collection of insurance premiums and the payment of insurance coverage for any and other types of insurance in the company for the previous period.

Remember that a booklet or an image present is not the basis of contractual endorsements, as it is not confirmed by positive butts in support of other insurers. Dosvіdcheni fahivtsі insurance company willing to consult you schodo all minds of insurance and, perhaps, s nutrition technology for the cultivation of agricultural crops. What do you need to insure all the crops that grow on your field? Tse may buti your choice, which can be based on economic developments of growing on the development of your own culture, inspiring the appearance of cultures with the help of cultures after a private death by natural phenomena. If you sign an insurance agreement with an insurance company, please understand the rules that are necessary for this arrangement. Remember that in order to lay down the insurance contract, you are liable to give the insurer information about the crop yield, selling prices for premium products, technology elements, as you can win in your own production. The yield of crops is guaranteed on average for 3-5 years in your state. If you haven’t cultivated culture before, if you want to insure, you are obliged to give the insurer information about the average yield in your area. You can estimate the future harvest on the basis of sales prices for the previous years, which are confirmed by your accounting documents, or for current market prices at the current moment. To that, it will be corny for a long time to know about the camp of the market of agricultural products. Retelnya dotremannya you technology cultivating agricultural crops, which is confirmed by a competently folded business plan and rozrahunkom vytrat for front rocky, you can be your argument before the insurance company for a change in tariff, franchise, more equal coverage. The insurer will prompt you to fill in the application for insurance with the fixation of the specified information.

Why should I pay special attention to the insurance contract? It is necessary to clearly understand:

how insurance risks are interpreted,

what is the insurance premium, and for what you do not carry the insurance coverage, if the exchange is transferred, and in some cases the insurance company can advise you at the payment of the insurance coverage,

The rights and obligations of the parties,

the methodology for determining the amount of money and paying the insurance premium,

at the time of the agreement, he accepts his deed.

If there is any food, what is the cost of the contract, the insurer of goiter will give you a detailed explanation. Mayzhe z usіh vid_v insuring selskogospodarskih cultures vіdpovidalnіnіnі іnsurіy nastaє after an ear of active vegetаcii culture. To that, under the hour of laying down the contract, the insurer will ask you to conduct a deep look and I will plant it. For both sides, it will be embarrassing, as if in a commission, as if to look around, as if there would be a present fakhivets-agronomist. Tse mozhe be your spіvrobіtnik, insurance company or district administration of the silskogo state. The act of weathering the planting is to blame for revenge, reading, objective information about the camp of planting (planting) at the time of the planting and changing the technological entrances, which will ensure the friendly minds of the growing season. Keep in mind that reaching a contract is not only on the side of the insurer, but on your side, to give the insurer the opportunity to more objectively and promptly blow the money at different vindications. As if the bida has become - the elements have fallen and ruined your wishes, dite promptly. Once again, carefully read the insurance contract. Tell the insurance company about the situation, what happened, when registering a telephone call, it can be the same force as the official list. Ale do not call, to that the term of the animal may be zhorstki obmezhennya. If you have an untimely notification about an insurance claim, the insurer may have the right to charge you. I would like to pay special attention to the following statements about the freezing of winter crops. It is necessary to carry out an inspection of the waters in order to reveal the fact of wintering, if we become able to do so after the snow has fallen. After your application for an insurance accident, it is necessary to spend a special period of time near the presence of a representative of the insurance company. The results of the obstezhennya are fixed by a second act (for example, an act about the death of postings of the form No. 117). Beyond the minds of the contract, the term of carrying out this insurance from the side of the insurance company is also regulated. A specialist-agronomist, a building figure of the real rozmіr zapodiyanoї shkodi, may take the part of the conducted obstezhennya. Checking on the insurance company, take the final step, establish the current insurance situation. For example, the fact angers, storms, hail, winters too thinly. you can turn on the weather station, fire - fire service. The insurer may ask you for additional documents: accounting, statistical records, business plan and more. When you submit the documents, the insurance company examines the provisions of the contract and makes a decision about the payment of insurance coverage to you. For contracts of insurance of settlements of agricultural crops, at times of death, the insurance of windfall may be paid out once. For contracts of insurance, I give birth to agricultural crops, the insurance coverage is paid less after the purchase, I give birth to that deed of the annual increase incurred. If you at least three years insure your harvest and do not harm, you have the right to take a reduction from the insurance company on insurance rates.

3. Insurance of agricultural creatures

This type of insurance is like a rural enterprise, cooperatives, farmer states, and private companies.

Objects of insurance:

Great horned thinness,

Downy animals,

rabbits,

Bjolosim'ї (with vulki),

decorative,

Exotic and other creatures.

The insurance does not accept sickness, sickness, creatures that are rebuying at the position of pre-diagnosed and post-opological stagnation, as well as if, with the rest of the remaining animals, brucellosis, tuberculosis, leukemia and other infectious ailments showed a positive reaction ju.

Insurance risks є:

The death of the creatures in the aftermath of a spontaneous storm (a storm, a landslide, a bliskavka, a storm, a hurricane, a hail, an earthquake and other spontaneous storms); unfortunate fluctuations (diya electric strum, sleepy or heat stroke, freezing, suffocation, poisoning with herbs, attack by animals, biting a snake or bruising coma, drowning, trampling on transport, falling into a gorge), other injuries;

The death of creatures like sickness;

Impressions of slaughtering creatures (at the order of a specialist of the veterinary service);

Significance and death of creatures in the aftermath of the opposite third parties: thefts with evil, theft of a robbed (hornbeam), attack, as well as the navmischennya way to fall or in another way.

Insurance is also carried out on the basis of a slaughtered (degraded) creature, as a result of the orders of a specialist of the veterinary service for reasons given by the minds of the insurance, or at the link with the calls to fight against infectious diseases, e animal health, but with a non-violet ailment, which includes the possibility of a false wickedness creatures.

Creatures are accepted for insurance in sums, declared by the insurer, but in the midst of their actual vartost, they come out of market prices, which were accumulated on the day the contract was laid down.

The contract of insurance of the creatures is laid down after their first glance for the mind of the insurance of all the creatures of the animal species of that age group.

The contract of insurance can be laid down both for the full obligation of compliance, and for the same insurance risks. With whom tariff rates differenciation.

For creatures that have been paid to the agricultural contractor under the contract, insurance payments are not charged (which is not covered by the contract). At the time of the death of these creatures, the insurance premium is paid at the insurance sum, as it is insured by the insurance contract.

At the time of the insurance situation, the insurer of the goiter declares about the new insurer by stretching out either the other term established by the contract from the day of death, the death caused by the slaughter, or the loss of the insurance of the creatures in the aftermath, spontaneous and unfortunate events. The insurer after otrimannya declare about the insurance type of goiter for a stretch of three days to fold the insurance act according to the established form.

In the event of a death, the creature’s death is overwhelmed by the fate of yoga on the day of the insurance fall.

When the slaughtered creature is overwhelmed, the difference between the daily variety of yoga on the day of the insurance period and the variety, which is cut off from the sale of meat added for eating, is taken into account.

If the amount of the creature on the day of the insurance premium exceeds the insurance sum, established by the insurance contract, then the insurance coverage rate is shortened in proportion to the insurance sum amount to the effective wage rate of the creatures.

4. Insurance of horticultural plants

Insurance

Insurance organizations, which enter the system of Rogosstrakh, fit into contracts for voluntary insurance of agricultural crops and rich plantations, which lie with the agricultural commodities growers of the legal forms, transferred by the legislation of the Russian Federation.

Accepted for insurance:

Objects of insurance represent such strong support authorities:

grains;

Technical ok;

Vegetable food;

Foragers ugіddya;

Potatoes and vegetables;

Our cultures;

Harvest vineyards, orchards and hops;

fruitful bush;

Midnight;

greenhouse crops;

Rose gardens, rose gardens;

Scrappy material;

For the good, the harvest of such, is taken a few times on the river, insurance includes the cost incurred for the whole river production.

Insurance risks:

Freezing winter crops;

Autumn frosts;

Povenі (pіdnyattya rіvnya vody);

Direct rainfall of pouring woods (drying the soil, exposing the roots of agricultural crops, winding up the wind, smashing, or the death of young chicks, stems, flowers, falling fruits);

Nadmirna that trivala of dry land;

Pozhezha after a thunderstorm sparkle;

Zsuvi zasіyanikh dіlyanok;

Early autumn frosts;

Invisible weather minds є: dіya spekotnih winds, scho crying out nepovlennya roslin. Unacceptable in the past, angering trivaly boards, which is added to lowering the birth rate, should also be taken into account not only the mechanical failures and the wetting of the growths, but also the uneven sawing during the period of flowering, the wilting of the growths, the establishment of the ground kir ki, rotting on the root and tuber crops in the soil, zmiv, infestation of the crops in ripening and picking I give birth to meagerly.

In times of insurance of agricultural crops, it is necessary to spend a lot of money on changing the quantity of taken off main products from the average yield of 1 ha for the remaining 5 years. Rozmir Shkodi are calculated based on the purchasing (contractual, market) price, as it is established in the insurance contract. When reseeding chi pіdsіvі dead crops rosemіr zbitkіv vyznaєєєє z urakhuvannya pov'yazanih іz tsim dodatkovyh vitrate and vartostі vrozha znovu sіyanikh cultures.

Harvest of agricultural crops and horticultural plantings behind the insurer's bazhannyam can be insured in the event of higher risks, only in times of new death of crops, plantings on all or part of the area of culture. At the same time, the number of people who are out of the insurance sum is charged per 1 ha and the area of dead crops.

In the event of a new death, I plant crops on the whole area of the crops to be destroyed according to the formula:

de U - crops in rozrahunka for the entire area of sowing (planting);

З 3 – average half-time of the insured crop per 1 hectare;

P - the total area of sowing for the harvest of stream rock.

Contracts for insurance of the birth of agricultural crops are placed on the cob of sivbi (planting). I bring in insurance, which grows in the protected soil, is carried out until the beginning of the crop cycle (sowing, planting), and the planting of plantations and plantings themselves (trees, bushes) - until the winter comes (pripinennya vegetation).

Insurance contributions are calculated for the skin culture (group of crops) by the way of the multiplication of crops I plant from the total area of sowing (planting) at the tariff rate. Tariff rates for crops differ and differenciate by region, fallow in zbitkiv, like zavdayutsya natural disasters.

Blackshells of the insurance contract of the insurance cultures of the bagotor nasajen can be randomly random at the pinky of the abstract to viplates, the focus of the left -handed man is not rafted by the calendar line, which was worn for the baulus for the gravity Tour for the TsIM agreement.

The amount of the insurance sum is set by the household of the parties (insurer-insurer) equal to the technological costs, the necessary sales of products specified in the insurance contract.

In some cases, insurers (insured), if they pay insurance premiums one-time, at the hour of laying down the insurance contract, they may have the right to a reduction of up to 10% of the amount of the insurance contribution from the total amount of the contract up to 30 quarters for autumn crops, up to 31 May for spring crops that up to 31 worms for plantations.

It is possible to pay extra fees in other terms, as provided by the insurance contract.

The laying down of the contract is confirmed by the insurer of the insurance policy of the established form.

Visnovok

Insurance is a contribution to the social, and economic development of our country, the rolyach camp is a huge camp and enterprises are more stable and independent in the form of various varieties.

From the other side, insurance, as a special kind of pіdpriєmnitskoї єyalnostі є dosit by the great world to busy pributkovym. And with the progressive development of market openings in our country, there is a need for a larger width. In my opinion, the appearance of new types of insurance, new services for the insurance right should stimulate, naturally, strictly within the law. Even greater capitals, which are taken by insurance companies, can be invested in different areas of the economy, with greater success and success

In the minds of the introduction of obov'yazkovy insurance of agricultural crops and creatures, it seems to be addictive, oskolki ob'yazkovy form of insurance for safe outside insurance, lower insurance tariffs, automatic insurance.

Assessing the situation on the insurance market, we can say that the insurance system is extremely unimportant. And we are in front of the fact that the need for insurance is steadily growing, and the subsystem of professional services is in development, not satisfied with the necessary obligation

List of victorious literature

1. Grishchenko N.B. Fundamentals of insurance activities: Heading guide, 2001.

2. Abramov V.Yu. Insurance: theory and practice. – M.:, 2007.

3. Chernova G.V. Insurance - a tutor for universities, 2009.

4. Spletukhov Yu.A., Dyuzhikov E.F. Insurance - heading guide, 2006.

5. Gvozdenko O.O. Insurance - assistant, 2008.

6. Shakhov V.V.

Heading to the Rozrachunk part

Balance sheet of the insurance organization BAT "A" (Form No. 1 - insurer) (thousand rubles)

	Row code	On the cob of starry rock	At the end of the solar period

Section 1. ASSETS Intangible assets
Investments
Including: - budinki
Financial investment
Depot of premiums with reinsurers
Part of reinsurers in reserves for life insurance
Reinsurer's share of RNP (reserve of unearned premium)
Part of the reinsurers in the reserves
Debt collection from insurance operations
Debt collection from reinsurance operations
Other accounts receivable, payments for which will be cleared more like in 12 months after the star date
Other accounts receivable, payments for which are cleared 12 months after the stellar date
Including: - borgovanity of the participants (co-founders) of the amount of contributions to the statutory capital
Basics

Penny Koshti
Other active
TOGETHER at branch 1
BALANCE (row sum 110+120+150+160+170+180+190+200+210+220+230+250+270+280)

Section 2. CAPITAL AND RESERVES Statutory capital
Addendum capital
Reserve capital
Unresolved surpluses of past fates
Nepocritiy churn of past fates
Unresolved surpluses of starry rock
Unbridled clot of starry rock
TOGETHER at branch 2
Section 3. INSURANCE RESERVES. Reserve for life insurance
Unearned premium reserve
Bit reserve
Other insurance reserves
Reserve of outside entries
TOGETHER at branch 3
Section 4. TERMS AND CONDITIONS
Positions and loans that are subject to repayment with a stretch of 12 months after the stellar date
Creditor's indemnification from insurance operations
Creditor's fence from reinsurance operations
Other creditor debt
Income of future periods
Reserve future vitrats
Other goiter
TOGETHER at branch 4

Information about income and savings of the insurance organization BAT "A" (Form 2 - insurer) (thousand rubles)

display name	Row code	For the golden period	For the same period of the previous fate

1. Life insurance. Insurance premiums (contributions) – net reinsurance (line 011 – line 012)
Insurance premiums (contributions) - total
transferred to reinsurers
Income from investments
Payouts (insurance payouts) – net reinsurance
Change of reserves for life insurance – net reinsurance
Vitrati with the order of insurance operations
Vitrate with investments
Result of operations with life insurance (page 010 + 020 - 030 + 040 - 050 - 060)
2. Insurance otherwise, lower life insurance. Insurance premiums - net reinsurance (line 081 - line 082)
Insurance premiums (contributions) - total
Transferred to reinsurers
Change to the reserve of unearned premium - net reinsurance (line 092 - line 092)
Change to the reserve of unearned premium - total
Change of the reinsurers' part of the reserve
Contrasts, as you have seen, - net reinsurance (line 110 - line 120)
Paid wedges (insurance premiums) – net reinsurance (line 111 - line 112)
Paid beats - total
Part of reinsurers
Change of cash reserves - net reinsurance (line 121 - line 122)
Change of reserves of bitcoins - total
Change of part of reinsurers in reserves
Change of other insurance reserves
Air conditioning to the reserve of outside entries
Reimbursement to the fire safety fund
Conducting insurance operations - net reinsurance
Result for other insurance operations, lower life insurance (page 080 + 090 - 100 + 130 - 140 - 150 -160)
3. Other income and expenses, not included in distributions 1 and 2. Income from investments
Vitrate with investments
Administrative windows
Operating income, crime related to investments
Operational vitrati, crime related to investments
Pozarealizatsiyni income, krim dootsіnki financial injections
Pozarealizatsiyni vitrati, krim utsіnki financial injections
Surplus (churn) to podatkuvannya (side. 070 + 170 + 180 - 190 - 200 + 210 - 220 + 230 - 240)
Tax on income and other similar obov'yazkovі payments
Surplus (churn) in the form of an individual activity (p. 250 - 260)
Pure surplus (non-separated surplus (churn) of the summer period)

Solution of the Rosrakhunk part

1. Analysis of mining and financial potential

Stages of analysis:

a) rozrahunok sumi gospodarskih koshtіv, shcho є on the balance of business; variety of net assets of the enterprise; part of the main contributions to the currency balance; spіvvіdnoshennia non-negotiable and negotiable assets; part of the active part of the main assets; depreciation coefficient; coefficient of improvement and vibuttya; coefficient of the structure of current assets

The amount of the state's money, which is transferred to the balance sheet of the enterprise:

NBV=TA-TS-OD.

NBV (on the cob of starry rock) = 4203 - 4200 - 0 = 3;

NBV (at the end of the starry day) = 122922 - 4200 - 0 = 118722;

The growth of the indicator of NBV in the progress of the dynamics to serve as an indicator of the growth of the lane of entrepreneurship.

Visnovki: It is clear from the pidrakhunkiv that the growth of the NBV display is dynamic. Tobto, on the cob of fate, the wines became 3, and for example 118,722.

b) analysis of the liquidity of the balance sheet according to the ratios of the amounts for the asset, grouped by the equal liquidity and placements in the order of the change in liquidity, from the goiter by the liabilities, grouped by the terms of the repayment of the balance they are in the order of growing lines.

The liquidity of the balance sheet is the purpose of covering the goiter with assets, the term for converting those in the cat is similar to the term for paying off the goiter with assets. Vіd step likvіdnostі balance deposit platospromozhnіst pripriєmstva.

Grouply active balance for equal liquidity in the order of decline and liabilities for the balance for lines of redemption in the order of increasing lines.

Deposited in the level of liquidity, assets of the insurance company are divided into the following groups:

List of references

About the sovereign support in the sphere of agricultural insurance and about introducing amendments to the Federal Law “On the development of the agricultural state” [Electronic resource]: federal law of July 25, 2011 No. 260-FZ: red. dated December 22, 2014 // UPS "Consultant Plus".
All types of insurance [Electronic resource]: official website / Access mode: http://strahovanie.ucoz.ru/.
All-Russian Union of Insurance Companies [Electronic resource]: official website / Access mode: www.ins-union.ru.
Galaganov V.P. Strakhova on the right: assistant for students. medium prof. navch. Zakladiv / V.P. Galaganov. - 2nd view. rework that dod. - M: Vidavnichesky center "Academy", 2013.
Efimov, O.M. Agricultural insurance. Scientific and practical recommendations. Saarbrücken: Parliament Academic Publishing LAP LAMBERT Academic Publishing GmbH & Co. KG, Heinrich-Bocking-Str. 6-8, 66121Saarbrucken, Nimechchina, Phone: +49 681 3720 174 Fax: +49 681 3720 1749, instructed in Russia, 2012, 517 side.
Efimov, O.M. Insurance is guaranteed by the law on insurance right. Heading guide (addition to the bachelor's degree program). Saarbrücken: Parliament Academic Publishing LAP LAMBERT Academic Publishing GmbH & Co. KG, Heinrich-Bocking-Str. 6-8, 66121 Saarbrucken, Germany, 2012. - 685 p.
Efimov, O.M. Complete system of agricultural insurance. The system of conducting agro-industrial production in the Republic of Bashkortostan. - Ufa: AN RB, Gilem, 2012. - 528 p. -ISBN 978-5-7501-1387-3
Efimov O.M. About agrarian regeneration and yogo organizational forms / O.M. Efimov // Strakhova on the right. - 2014. - No. 5. - P.26-32.
Efimov O.M. Formation and development of global and rural insurance in Russia [Electronic resource]: heading guide / Efimov O.N. - Electron, text data. - Saratov: University Education, 2014. - 1Q2 p. iprbookshop.ru/23087.- EBS "IfRbodks"
Efimov O.M. Strakhova on the right: Navchachno-methodical complex. - Ufa: BEK, 2013. - 126 p.
Efimov O.M. Improvement of the system of agricultural insurance (statement) // System of management of agro-industrial production, in the Republic of Bashkortostan. - Ufa: AN RB, Gilem, 2012. - 528 p.
Kurnosov A. Insurance of the risks of the agricultural state / O. Kurnosov, O. Kamalyan, K. Nazarenko // International S.-G. magazine. - 2014. - No. 3. - P. 8-13.
Nilipovsky V.I. Innovations in the foreign markets of strong insurance insurance / V.I. Nilipovsky, Yu.S. Dolgorukova // Strakhova on the right. - 2015. - No. 5. - P. 50-54.
Nikitin A. Budget support for insurance of agricultural crops/A. Nikitin// APK: economy, management. - 2013. - No. 4. - S. 31-34.
Uglіtskikh O.M., Klіshina Yu.Є. Insurance as the main method of regulation of agricultural risks// Financial Analytics: Problems and Solutions. 2013. No. 35. S. 19-26.
Yakovlev I.Є. Efficiency of the system of agricultural insurance with state support / I.Є. Yakovlev, E.G. Kuznetsova // Strakhova on the right. - 2013. - No. 1. - P.31-36.

Insurance planting planting plantings. The peculiarities of insurance I give birth to agricultural crops and creatures. Insurance of benefits - the main risks

Why is it so important to insure strong support crops?

Insurance losses in case of insurance of agricultural crops

What are the features of the insurance of agricultural crops?

Is the sum of insurance that is poured into it?

Agricultural insurance companies

Outpost insurance

Insurance of growing agricultural crops

Insurance of benefits - the main risks

Peculiarities of insurance in the birth of agricultural crops

Laying down that vikonannya contract

Agro-insurance of horticultural plantations

Tariff rates

Deposits on the policy

The order of the day at the time of the insurance situation

Vіdshkoduvannya zbitkіv

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