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קביעת ספי ביטוח כנגד אסונות טבע במגזר החקלאי

אביגיל ניומן ואיתי פישהנדלר

למרות שביטוח יבול חקלאי נגד אירועי מזג אוויר הוא שכיח, עד עכשיו לא נוצרה מסגרת קונספטואלית להבנת קביעת ספי הביטוח. דו"ח זה משלים פער זה עם בניית מודל לקביעת ספי ביטוח. לאחר השוואה בין שלושת הסקטורים העיקריים המוגנים בביטוח נגד אירועי מזג אוויר (חקלאות, תיירות, עירוניות), החוקרים מנתחים את האלמנטים העיקריים המרכיבים את ביטוח היבול החקלאי ואת המשתנים הרלוונטים בקביעת ספי הביטוח. מהדו"ח עולה ההמלצה לפרסם בקרב מספקי ביטוח ומבוטחים (באופן שמובן לציבור) את המשתנים והמנגנונים המשפיעים על ספי ביטוח בסקטור החקלאי.

קישור לדו"ח מסכם

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