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Insurance of agricultural risks
Forest insurance is a comparatively new type of insurance, and forest owners are only in the stages of learning about its advantages.
It is particularly important to insure forests – trees are not as stable and fixed as, for example, the ground. They are much more likely to be subject to adverse external influence. A fire is the most widely spread disaster that can damage a forest or ruin it completely.
Forest stands of any species can be insured against the following risks:
- fire,
- stroke of lightning,
- fall or aircraft or an object falling from it,
- explosion,
- storm,
- natural disaster,
- theft,
- impact of pests or disease,
- damage by forest animals.
The insurance company BTA offers insurance of sowings and plantings. It is possible to insure:
- summer wheat,
- summer barley,
- oats,
- sugar beet,
- potatoes,
- winter wheat,
- winter rape,
- triticale,
- rye,
- winter barley,
- buckwheat,
- summer rape,
- field vegetables,
- oil or fiber flax sowings,
- perennial plants (fruit trees and berry-producing shrubs).
It is possible to insure plantings and sowings against climatic risks:
- hail,
- flood,
- storm,
- heavy rains,
- frost,
- black frost and strong frosts.
Domestic animals are living creatures with a character of their own and sometimes their actions cannot be predicted. To protect the owner from losses incurred by the perishing of the animal or a trauma suffered by the animal, BTA offers insurance of domestic animals.
Any domestic animals or birds can be insured, including animals from exotic species.
The insurance risks can be broadly split into two categories: perishing of the animal and traumas. There is a more detailed division of risks under both the categories:
- sudden acute disease or trauma;
- fire;
- stroke of lightning;
- electrical trauma;
- freezing;
- suffocating (mostly applies in case of fires);
- drowning;
- serious attack by another animal;
- poisoning with poisonous plants or substances;
- collision with a transport vehicle;
- illegal third party activities, including theft and burglary.
It is important to remember that each domestic animal can be insured from a certain age, and it is important not to miss it. All cattle, sheep and goats, as well as cats and dogs are insured from the age of 6 months, horses from the age of one year, pigs from the age of four months and poultry from the age of one month.
It is possible to receive state budget subsidies in the amount of 50 % of the insurance premium for every insured hectare of sowings and each insured domestic animal. State subsidies apply to farms that are entitled to state subsidies, but that does not exclude the possibility for each farmer to insure their crops.
Exotic animals are insured on the basis of agreement. It is also possible to insure bee packages. If necessary, beehives and honey in the hives can be additionally covered.
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