{"title":"The subsidy-mosaic for agricultural weather insurance in Germany","authors":"Jonas Schmitt , Frank Offermann , Robert Finger","doi":"10.1016/j.agsy.2025.104289","DOIUrl":null,"url":null,"abstract":"<div><div>The subsidisation of agricultural weather insurance is gaining momentum in European agriculture, with the aim of increasing farmers' self-responsibility and eliminating the need for ad hoc disaster payments. The implementation and design of agricultural weather insurance subsidies vary considerably from country to country. We show here that in Germany there are even fundamental differences within the country due to the different weather insurance subsidy schemes of the federal states. For example, some federal states do not subsidise weather insurance, and other federal states that do subsidise weather insurance, differ in which crops or perils are supported. This insurance subsidy mosaic increases inequality across farms and is likely to increase the cost of insurance. In addition, small federal-state-specific insurance markets are less attractive to insurance companies, which has a negative impact on competition among insurance companies and innovation in insurance products. We conclude that harmonised approaches to insurance support that incentivise on-farm risk management and adaptation to climate change are needed.</div></div>","PeriodicalId":7730,"journal":{"name":"Agricultural Systems","volume":"225 ","pages":"Article 104289"},"PeriodicalIF":6.1000,"publicationDate":"2025-02-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Agricultural Systems","FirstCategoryId":"97","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S0308521X25000290","RegionNum":1,"RegionCategory":"农林科学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"AGRICULTURE, MULTIDISCIPLINARY","Score":null,"Total":0}
引用次数: 0
Abstract
The subsidisation of agricultural weather insurance is gaining momentum in European agriculture, with the aim of increasing farmers' self-responsibility and eliminating the need for ad hoc disaster payments. The implementation and design of agricultural weather insurance subsidies vary considerably from country to country. We show here that in Germany there are even fundamental differences within the country due to the different weather insurance subsidy schemes of the federal states. For example, some federal states do not subsidise weather insurance, and other federal states that do subsidise weather insurance, differ in which crops or perils are supported. This insurance subsidy mosaic increases inequality across farms and is likely to increase the cost of insurance. In addition, small federal-state-specific insurance markets are less attractive to insurance companies, which has a negative impact on competition among insurance companies and innovation in insurance products. We conclude that harmonised approaches to insurance support that incentivise on-farm risk management and adaptation to climate change are needed.
期刊介绍：
Agricultural Systems is an international journal that deals with interactions - among the components of agricultural systems, among hierarchical levels of agricultural systems, between agricultural and other land use systems, and between agricultural systems and their natural, social and economic environments.
The scope includes the development and application of systems analysis methodologies in the following areas:
Systems approaches in the sustainable intensification of agriculture; pathways for sustainable intensification; crop-livestock integration; farm-level resource allocation; quantification of benefits and trade-offs at farm to landscape levels; integrative, participatory and dynamic modelling approaches for qualitative and quantitative assessments of agricultural systems and decision making;
The interactions between agricultural and non-agricultural landscapes; the multiple services of agricultural systems; food security and the environment;
Global change and adaptation science; transformational adaptations as driven by changes in climate, policy, values and attitudes influencing the design of farming systems;
Development and application of farming systems design tools and methods for impact, scenario and case study analysis; managing the complexities of dynamic agricultural systems; innovation systems and multi stakeholder arrangements that support or promote change and (or) inform policy decisions.
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