This article is an analysis of the issue insurance risks from the point of view of the subjective scope, and of the mandatory crop insurance in the Polish legal system. The issues raised as an element of introduced within the framework of the Common Agricultural Policy for the years 2014-2020 of the system of risk management in agriculture determine the direction of the development of crop insurance as a tool for securing not only the interests of agricultural producers, but also entities in any way dependent on the economic situation of agriculture as a sector of economy. At the same time, the author points to the issues specific to individual insurance risks, as well as to questions of interpretation arising under these regulations. The author also draws attention to the achievements of home insurance legislation in the matter, reaching the beginning of the reborn Polish State, as well as the development trends in the market of compulsory insurance of agricultural crops in Poland, from the perspective of its functioning after Poland’s accession to the European Union.
This article analyses the specific problems of compulsory agricultural insurances in Polish legal system, including liability insurance of the holder of homestead, insurance for buildings included in the homestead – from fire and the other risks, and crop insurance – from random events. In particular, the author explains the meaning of selected problems of interpretation in the practical application of individual regulations. These considerations are focused on the problem of personal range and realization of the insurance requirements, duration of the insurance contracts, and analysis of the effectiveness of crop insurance regulation. In this regard, the author also reports specific de lege ferenda conclusions.
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