Análisis De La Efectividad De Los Seguros Agrícolas Como Medidas Para Reducir El Riesgo,

Abstract

Abstract: The intervention of agricultural insurance in the country could improve the conditions of agricultural producers and reduce their exposure to natural and anthropic risks. In Ecuador, the agricultural insurance was implemented as of 2011, this research seeks to analyseto what extent it constitutes a real mechanism to reduce risk exposure in agriculture. The research focuses on identifying the evolution, reception of agricultural insurance by producers, knowing the main insured products, their participation by province and the effectiveness of agricultural insurance as a measure to reduce risk in the period from 2011 to 2019 through this implementation. The exploratory and descriptive work analyzes the number of claims incurred compared to the indemnified claims, including the amounts that have been indemnified to producers by provinces and crops based on information from the Financial Institution (BAN Ecuador) and the Ministry of Agriculture. (MAG). It was evidenced that the highest concentration of insured commercial crops is found in the Litoral region. The largest number of claims occur as a result of climate change.