Abstract
The article substantiates the methodological approaches to the formation of a balanced tariff policy for agricultural insurance services. The outlined approaches are based on methodological principles, which together are focused on achieving holistic guidelines (moral and ethical, socio-psychological, financial and economic) in the relationship between the insurance market stakeholders. The functioning of the insurance protection effective system of agricultural producers while ensuring a sufficient profitability level of insurance operations, requires scientific detail of the pricing mechanism for insurance services. The observance necessity of methodological sequence in the process of actuarial calculations for agricultural insurance services is argued. This sequence involves the following measures: providing access to information sources for assessing agricultural risks and deciding on insurance; processing of statistical data on specific objects of insurance, (in particular, assessing the probability of an insured event and agreeing on key conditions for the transfer of agricultural risks to insurance) the calculation of the full tariff rate (gross rate). The formulated measures are necessary from the standpoint of ensuring information awareness of insurance companies regarding the accepted insurance risks, assessing the probability of insurance risks and possible compensation payments, as well as the economic feasibility of the insurance rate (gross rate) and its components net rate and load. The economic-mathematical interpretation of insurance tariffs related to insurance of natural and climatic risks is carried out. In particular, using actuarial calculations, the rates of insurance tariffs in the insurance of crops (winter wheat, rye, winter barley and rapeseed) for the autumn-winter and spring-summer periods are reflected. The presented calculations can be used by insurance companies specializing in the provision of agricultural risk insurance services. According to the results of the study, the actor’ proposals aimed at ensuring the actuarial balance of stakeholders in the agricultural insurance market are presented.
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