Abstract
Open-field crops and fruit are permanently and directly connected with a number of natural factors or forces that are difficult or impossible to predict. For these reasons, fruit and crops are often unprotected and exposed to different natural hazards (risks) that occur every year, whereas their intensity may be lower or higher, and at times even disastrous. For insurance companies, crop insurance is one of the riskiest forms of underwriting, whereas for the insured persons it represents one of the most important insurance lines. Certain principles of insurance science and technology are applied to the insurance of crops and fruit. Technical bases of crop insurance are contained in the terms and conditions and premium tariffs for insurance of crops and fruit.
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