Dezvoltarea pieţei produselor şi serviciilor de asigurare în sistemul agriculturii din România

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.