Koshel A. Insurance risks in land use of lands of farming purpose

At the dissertation a comprehensive analysis of institutional, environmental, economic and legal prerequisites for insurance risks in the use of land in Ukraine, which lie in the need to create special economic and legal framework for land protection in law limited their market turnover is conducted. The current state and methods of use of land in Ukraine are analyzed. The issue of risks in land use is investigated. The classification of risks arising from the use of land, based on the identification of the sources and level of risk the deterioration of individual plots is developed. The essence of the concept of "insurable value of the land, which is understood under which it is proposed to realize the maximum value of possible worsening of the land due to the risk of occurrence of an accident is presented. A method for calculating insurance rates for landowners and land users, which, unlike existing ones, based on the use of correction factors depending on the rank of the taxon of natural and agricultural zoning is developed. The basic model for the organization of insurance risks in the use of agricultural land in the territory of the Kiev region is shown. A technique for estimating the economic efficiency of insurance risks in the use of land in market conditions, which is based on the relative costs of landowners (land) without a contract of insurance with their cost-based insurance and risk deteriorating the object of insurance is proposed.