INSURANCE CONTRACT AS THE BASIS FOR THE SAFETY OF AGRICULTURAL PRODUCERS IN THE REPUBLIC OF SRPSKA

Boro Krstić; Zorica Vasiljević; Miroslav Nedeljković

doi:10.5937/ekoPolj1704555K

Authors

Boro Krsti?, PhD University of Bijeljina, Faculty of Agriculture, Republic of Srpska
Zorica Vasiljevi?, PhD University of Belgrade, Faculty of Agricultur
Miroslav Nedeljkovi?, MSc., Ph.D. Candidate University of Novi Sad, Faculty of Agriculture

DOI:

https://doi.org/10.5937/ekoPolj1704555K

Keywords:

agriculture insurance, insurance contract, agricultural producers, insurance card

Abstract

The aim of the paper is to point out the impact of the insurance contract on the safety of agricultural producers in the Republic of Srpska, based on the assumption that the insurance of crops, fruits and animals is a factor that implies elimination of harmful consequences in case of damage. This attitude of the authors is based on the fact that with the conclusion of an insurance contract in agriculture, the part of the responsibility is transferred to the state (by participation in the co-fnancing of the insurance premium), then to the insurance company (by claiming the damage from the insurance) and fnally to the agricultural producers. Bearing in mind that insurance is very present in all segments of the modern society, which implies a great variety of forms of insurance, the authors of this paper start by presenting a general structure and classifcation of insurance, which also includes the insurance for agricultural purposes. In order to get a realistic picture of the current state of insurance in agriculture in the Republic of Srpska, an analysis of the legal regulation that regulates the mentioned issues was carried out. The authors also conducted a survey among agricultural producers to analyze the reasons why they have a negative interest for this segment of insurance and thus a small number of closed insurance policies with insurance companies. Based on these fndings, this paper gives recommendations for the improvement of the situation and proposals for better solutions which would raise the safety of agricultural producers to a higher level.

Downloads

Download data is not yet available.

References

1. Agencija za osiguranje Republike Srpske (2017). Izvještaj o stanju osiguranja u Republici Srpskoj za period 01.01.2016. do 31.12.2016. godine (available at: http://www.azors.rs.ba/azors/izvjestaji.html).
2. Hoag, D. (2010). Applied Risk Management in Agriculture, Edition 1, CRC Press Taylor & Francis Group, Boca Raton, London – New York.
3. Kočović, J., Šulejić P., Rakonjac-Antić T, (2010). Osiguranje, Ekonomski fakultet Beograd.
4. Krstić, B. (2016).Pravni režim stranih ulaganja u Republici Srpskoj – stanje i perspektive, doktorska disertacija, Slobomir Univerzitet Bijeljina, Republika Srpska, BiH.
5. *** (2003), MacGillivray on Insurance Law (edited by Nicolas Legh-Jones, John Birds & David Owen), l0th edition.
6. Marović, B., Avdalović, V. (2003). Osiguranje i upravljanje rizikom, Biografka a.d. – Subotica 7. Odluka Vlade o visini naknada za sufnansiranje sistema protivgradne zaštite u Republici Srpskoj, Službeni glasnik, Republika Srpaka, broj 16/2010, 61/2011, 47/2013 i 24/2014.
8. Odluka o vrstama osiguranja, Službeni glasnik, Republika Srpska, broj 5/2006.
9. Opšti uslovi za osiguranje usjeva i plodova 2012, Dunav osiguranje a.d. Banja Luka, (http://www.dunav.ba/index.php?option=com_content&view=article&id=9&Itemid=13) 10. Pravilnik o uslovima i načinu ostvarivanja novčanih podsticaja za razvoj poljoprivrede i sela, Službeni glasnik, Republika Srpska, broj 31/2017.
11. Pravilnik o uslovima, načinu i obrascu zahteva za ostvarivanje prava na podsticaje za premiju osiguranja useva, plodova, višegodišnjih zasada, rasadnika i životinja, Službeni glasnik, Republika Srbija", broj 61/2017.
12. Pravilnik o provedbi mjere M17 "Upravljanje rizicima", podmjere 17.1. "Osiguranje usjeva, životinja i biljaka" iz Programa ruralnog razvoja Republike Hrvatske za razdoblje 2014. – 2020, Narodne novine, Republika Hrvatska, broj 135/2015, 78/2016 i 109/2016.
13. Rohrbach, W. (2008). Istorija osiguranja - luksuz ili doprinos branši?, Revija za pravo osiguranja UDK: 368:17 (Naučna polemika).
14. Rohrbach, W. (2013). Etika i osiguranje, Udruženje za pravo osiguranja Srbije UDK: 368:17 Naučna polemika.
15. Strateški plan razvoja poljoprivrede i ruralnih područja Republike Srpske 2016-2020., Vlada Republike Srpske, 2015., Vlada Republike Srpske, Banja Luka, Republika Srpska, BiH, (available at: http://www.vladars.net/sr-SP)Cyrl/Vlada/Ministarstva/mps/%d0%bc%d0%b8%d0%bd%d0%b8%d1%81%d1%82%d0%b0%d1%80%d1%81%d1%82%d0%b2%d0%be/Documents/Strategija%202020.pdf).
16. Upustvo za primjenu odluke o vrstama osiguranja, Službeni glasnik, Republika Srpska, broj 44/2007.
17. Vasiljević, M. (2001). Poslovno pravo, Udruženje pravnika u privredi SR Jugoslavije, Beograd, SRJ Jugoslavija.
18. Vasiljević, M. (2014). Trgovinsko pravo, Udruženje pravnika u privredi Republike Srbije, Beograd, Srbija.
19. Zakon o obligacionim odnosima (ZOO), Službeni glasnik, Republika Srpska, broj 17/1993, 3/1996, 37/2001 - dr. zakon, 39/2003 i 74/2004.
20. Zakon o poljoprivredi, Službeni glasnik, Republika Srpska, broj 70/2006.
21. Zakon o društvima za osiguranje, Službeni glasnik, Republika Srpska, broj 17/2005, 01/2006, 64/2006, 74/2010 i 47/2017.
22. Zakon o obezbjeđenju i usmjeravanju sredstava za podsticanje razvoja poljoprivrede i sela, Službeni glasnik, Republike Srpske, broj 43/2002 i 106/2009.