Farmers Insurance is Like "Honey" Instead of "Poison"

Farmers Insurance is Like "Honey" Instead of "Poison": Agriculture is one of the businesses that are vulnerable to the negative impacts of climate change and as a risky business protection needs of probability of failure so that stakeholders enjoy the "honey" in the business.

The impact of climate change on food security in a coherent national occur, ranging from a negative effect on the resources (land and water), agricultural infrastructure (irrigation) to the production system through productivity, extensive planting and harvesting. Farmers also have more limited resources to be able to adapt to climate change.

Common agricultural risk struck this business is derived from crop failure occurrence of extreme climate change, pests or lack of use of agricultural technologies.

Analysts agree that one of the alternatives to get protection from the probability of failure is to implement farmers insurance. Although the implementation is quite difficult, does not mean there is no hope. Some countries have implemented and proven successful farmers insurance protection.

In developed countries like the United States, Japan, and several European countries, farmers insurance is growing rapidly and effectively to protect farmers. Therefore, farmers insurance is one of the strategies to adapt to climate change. This condition is different from that prevailing in developing countries.

The development of farmers insurance is diverse and not show satisfactory results. In Taiwan, a well-developed farmers insurance; in India, Bangladesh, and the Philippines progress has been slow, while in Thailand is less developed, to succeed insurance program they are need Design of Farmers Insurance.

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