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If insurance companies pay out too often, farmers will be threatened with ruin in the long term
Date:9/20/2011

therefore threatens their existence.

In 2006 a French reinsurance company, with support from the United Nations, insured Ethiopian farmers for the first time on a large scale. Further projects are being supported in various countries by the World Bank. From November 2011 a Swiss reinsurance company intends to insure poor farmers in Ethiopia and three other countries against climate risks with up to 28 million US dollars. With over 2 million policies, India currently has the most rain-insurance policies.

The income of livestock farmers in semi-arid regions is mostly dependent on the annual rainfall; such insurance policies can therefore offer effective protection against such risks. The advantages of this kind of insurance policy are obvious, but they are not always easy to introduce: it is often difficult to convince farmers with no experience of insurance that they might benefit from it. The majority of potential customers are among the poorest of the poor who struggle every day for their survival. On top of this, rain-index insurance requires a comprehensive measuring network of weather stations, which in most cases does not exist in developing countries.

In addition to the social and technical hurdles, there are also ecological consequences, as scientists from the Helmholtz Centre for Environmental Research (UFZ), the Christian-Albrechts-Universitt zu Kiel (Kiel University) and the Leuphana University of Lneburg have now shown in a study. Using a simple grazing management model based on an analysis of commercial livestock farmers in southern Africa, they simulated how such insurance influences the working practice of farmers. The result was conclusive: the higher the rain-index threshold at which the insurance is paid out, the less incentive there is to choose a sustainable form of grazing. Traditionally these livestock farmers divide their pastures and rest part of the area in years of sufficient rainfall so that the grass there can
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Contact: Tilo Arnhold
presse@ufz.de
49-341-235-1635
Helmholtz Association of German Research Centres
Source:Eurekalert  

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If insurance companies pay out too often, farmers will be threatened with ruin in the long term
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