Проблемы страхования рисков в сельском и лесном хозяйствах от стихийных бедствий

Abstract

In recent years, due to an increase the number of natural disasters such as droughts, in the territory of the Russian Federation, the insurance and insurance ways of business activities in agriculture and forestry from natural disasters is becoming increasingly important. In addition, with transfer of land and forest areas in the long-term lease, the well-being of agricultural firms, farmers and tenants, both on land and in the forest areas are under threat of bankruptcy and failure of entrepreneurial activity. The insured event in the form of environmental insurance is a sudden, unexpected damage to crops as a result of various kinds of undesirable weather conditions, natural disasters. However, the insurance of land from land runoff, landslides have occurred as a result of heavy rains, floods in agriculture requires further consideration, as every year in the Russian Federation to increase the area of arable land emerged from agricultural use. In forestry, the position of forests insurance from various types of natural disasters is not well developed in agriculture. Thus, with the adoption of the “Forest Code” of the Russian Federation in 2007, various types of logging and timber harvesting, reforestation work-related should be carried out by tenants of forest plots. However, today the tenants of forest plots (individuals and businesses) do not have the so-called economic stimulus in the form of insurance against natural disasters, fires, windbreaks and windfalls. They remain one to one with a past event, which can not take any action to save their businesses. Now insurance of farmland and forest land from various kinds of environmental disasters and emergencies by the state plays a critical role in the development of small and medium-sized businesses in these sectors to strengthen food security and increase the productivity of forests of the Russian Federation.