By P. K. Ray
This booklet, which bargains comprehensively with agricultural coverage, is the second one variation of a e-book that used to be released in 1967. The ebook first offers with the character of agricultural hazards and their insurability. the second one half describes the rules and practices of the most different types of assurance presently utilized to agriculture in numerous international locations. The 3rd and final half is a serious exam of the applicability of the thoughts of crop and farm animals assurance thus far developed in built international locations to constructing international locations, and likewise the probabilities of foreign reinsurance of nationwide crop coverage platforms.
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Additional info for Agricultural Insurance. Theory and Practice and Application to Developing Countries
Gephart, W. , Principles of Insurance (Macmillan, New York, 1915), p. 31. 22 Agricultural Insurance insurance, the insured substitutes a small defined periodical expenditure for a larger unknown and sporadic loss. All insurance is in principle characterized by the two fundamental features described above, namely, combination of risks and the distribution of a loss among the many; but in practice there is often a difference in the types of insurance due to the emphasis put upon the one or the other.
The reduction of risks affords a possibility of scaling down the probabilityuncertainty ratio, so much so that even the need for insurance may very well be reduced. The uncertainty of yield that follows from uncertain conditions of rainfall, for instance, can be eliminated to a considerable extent through well-devised systems of drainage, storage and irrigation. The fortuitousness of agricultural risks may arise from diverse natural factors as well as from human failings as, for example, mishandling of fire or of farm machines.
29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 22 Data not available ♦Counties arranged in the increasing order of annual average incidence. **Data represent average numberof hail days per year for months April-September inclusive. Source: Norwich Union Fire Insurance Society, Norwich, England. 31 Actuarial Consideration of Agricultural Risks FREQUENCY AND INTENSITY OF HAIL IN THE UNITED STATES In the United States and Canada considerable studies have been made both in connection with the insurance of crops against hail and independently as to the frequency and intensity of hail storms in different parts of each county.
Agricultural Insurance. Theory and Practice and Application to Developing Countries by P. K. Ray