Abstract:
Natural calamities are among the most serious dangers that can affect
humans’ lives and the activity of any entrepreneur, resulting in great
material losses, in suffering, and in human life loss. Nature’s forces can
cause unsuspected destructive effects, among which: drought, frost, flood
rainfalls, hurricanes, floods, earth quakes, lightning, fire, land collapses and
glides, snow avalanches, etc. Most times man can cause serious losses by his
improper way of accomplishing his duties in economy or in society.
Technical catastrophes result in damages that are closely linked to man’s
activity, including: fires and explosions, aviation crashes, sea accidents, root
accidents, railway accidents, building clashes, etc. In these conditions,
modern societies have developed financial mechanisms capable of
diminishing or even annul economic or financial effects of these events – an
activity known as insurance. Insurance does not eliminate risk – it only
distributes damages within a risk community. Most specialists in the field
embrace the idea according to which insurance is a means of distributing the
damage of a smaller number of people, caused by a phenomenon or by a
complex of phenomena, over a great number of persons (risk community).
Insurance is seen nowadays as a complex industry, a regular network
providing the community with a great variety of products. It appeared from
man’s need for protection against dangers, and for finding proper solutions
of preventing and erasing them. Insurance market development was caused
by the fact that both demand – resulted from the complexity and number of
risks – and offer, including the different possibilities of covering risks, have
known an unprecedented increase. At this very moment, the insurances cover
a relatively limited area of risks in Agriculture. Therefore, there should be
taken into consideration the fact that we cannot have a completely efficient
and safe agriculture without the necessary insurances in this field. The
reality is that only a few agricultural producers can rely on insurances with a
view to their every day life. After the aderation of Romania to the EU, the
main issues in this field, at this moment and in the future, are reported upon
the required legislative regulations and on the compliance to the European
requirements of the main performers on the agricultural insurance market.
The insurance in agriculture becomes thus a compulsory necessity after
Romania became a member of The European Community, and nevertheless,
the insurance quota gave birth to a series of controversies.
