Analysis of the agricultural insurance system in Serbia and recommendations for better effectiveness
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The main purpose of this document is to provide recommendations of changes needed to ensure the effectiveness of the agricultural insurance system, including identification of international best practices that could be applicable to Serbia. Prior to compiling this report, a desktop review of the current status of agricultural insurance and related legislative and normative documents in Serbia was conducted. The main legislative documents regulating agricultural insurance, including the Insurance Law, Obligations Law, Hail Protection Law, the Law on Agricultural and Rural Development Subsidies, and the Law on Reconstruction Following Natural and Other Hazards, were analysed. The key regulatory and normative documents have been reviewed, including the rulebook on the conditions, manner and form of application for exercising the right to subsidies for the insurance premium for crops, fruits, perennial crops, nurseries and animals; the regulation on the distribution of incentives in agriculture and rural development in 2020; and the guidelines on minimal standards of conduct and good practice of insurance market participants. The project team reviewed the regulations on the distribution of incentives in agriculture and rural development from the previous years (2016–2019) and made a comparative analysis of the changes and modifications per each year as related to agricultural insurance.