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The Main Determinants of Insurance Purchase: An Empirical Study on Crop Insurance Policies in France

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Author Info
Enjolras, G.
Sentis, P.

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Abstract

Using data for 2002-2005 on a representative survey of French farms (FADN-RICA), we investigate the different factors that lead farmers to insure against crop risk. Our analysis takes into account a mix of both standard individual, financial and agricultural criteria. Cross-sectional and longitudinal analyses as well as logistic regressions underline the main differences between insured and non-insured farms. Compared to non-insured farms, we find that insured farms present greater financial and agricultural sizes, a more diversified production and have been motivated by the occurrence of recent catastrophic climatic events. Although essential in the cross-sectional analysis, the influence of financial parameters in the decision to insure is mitigated. On the other hand, the agricultural characteristics of the farms confirm their leading influence for the subscription of crop insurance policies.

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Paper provided by European Association of Agricultural Economists in its series 2008 International Congress, August 26-29, 2008, Ghent, Belgium with number 44395.

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Date of creation: 2008
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Handle: RePEc:ags:eaae08:44395

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Related research
Keywords: Insurance; Demand; Crop insurance; Catastrophe risk; Risk and Uncertainty;

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  1. H. Holly Wang & Hao Zhang, 2003. "On the Possibility of a Private Crop Insurance Market: A Spatial Statistics Approach," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 70(1), pages 111-124. [Downloadable!] (restricted)
  2. Martin F. Grace & Robert W. Klein & Paul R. Kleindorfer, 2004. "Homeowners Insurance With Bundled Catastrophe Coverage," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 71(3), pages 351-379. [Downloadable!] (restricted)
  3. Isengildina, Olga & Hudson, M. Darren, 2001. "Factors Affecting Hedging Decisions Using Evidence from the Cotton Industry," 2001 Conference, April 23-24, 2001, St. Louis, Missouri 18970, NCR-134 Conference on Applied Commodity Price Analysis, Forecasting, and Market Risk Management. [Downloadable!]
  4. Hanno N. Lustig & Stijn G. Van Nieuwerburgh, 2005. "Housing Collateral, Consumption Insurance, and Risk Premia: An Empirical Perspective," Journal of Finance, American Finance Association, vol. 60(3), pages 1167-1219, 06. [Downloadable!] (restricted)
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  5. Bruce J. Sherrick & Peter J. Barry & Paul N. Ellinger & Gary D. Schnitkey, 2004. "Factors Influencing Farmers' Crop Insurance Decisions," American Journal of Agricultural Economics, American Agricultural Economics Association, vol. 86(1), pages 103-114, 02. [Downloadable!] (restricted)
  6. Serra, Teresa & Goodwin, Barry K. & Featherstone, Allen M., 2003. "Modeling Changes In The U.S. Demand For Crop Insurance During The 1990s," 2003 Annual meeting, July 27-30, Montreal, Canada 22019, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association). [Downloadable!]
  7. Niehaus, Greg, 2002. "The allocation of catastrophe risk," Journal of Banking & Finance, Elsevier, vol. 26(2-3), pages 585-596, March. [Downloadable!] (restricted)
  8. Bruce J. Sherrick & Peter J. Barry & Gary D. Schnitkey & Paul N. Ellinger & Brian Wansink, 2003. "Farmers' Preferences for Crop Insurance Attributes," Review of Agricultural Economics, American Agricultural Economics Association, vol. 25(2), pages 415-429, December. [Downloadable!] (restricted)
  9. Byeongyong Paul Choi & Mary A. Weiss, 2005. "An Empirical Investigation of Market Structure, Efficiency, and Performance in Property-Liability Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 72(4), pages 635-673. [Downloadable!] (restricted)
  10. Joseph W. Glauber, 2004. "Crop Insurance Reconsidered," American Journal of Agricultural Economics, American Agricultural Economics Association, vol. 86(5), pages 1179-1195, December. [Downloadable!] (restricted)
  11. Garrido, Alberto & Zilberman, David, 2007. "Revisiting the demand of agricultural insurance: The case of Spain," 101st Seminar, July 5-6, 2007, Berlin Germany 9266, European Association of Agricultural Economists. [Downloadable!]
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