Abstract
This article analyzed the impact of risk perception, risk attitude, and other farmer personal and farm characteristics on the actual purchase of catastrophe insurance by Dutch dairy and arable farmers. The specific catastrophe insurance types considered were hail–fire–storm insurance for buildings, disability insurance, crop insurance against hail, storm, and brown rot, and insurance against epidemic animal disease outbreaks. The results suggested that risk perception was a significant variable that influenced purchase of catastrophe insurance by dairy and arable farmers, whereas risk attitude was significant only in arable farming.
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