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Insurance programs have become an increasingly popular method for providing support to agricultural producers.1 Mahul and Stutley (2010) reported that in 2007 more than 100 countries had agricultural insurance programs available. In the United States multiple-peril crop insurance was available on a limited basis as early as the late 1930s; more recently, insurance has become the dominant safety-net program in the United States in terms of government outlays, overshadowing more traditional price and income support programs (Glauber 2012). Recent reforms in the European Community (EC) could potentially expand insurance programs there as well (European Commission 2013). ; PR ; IFPRI1; A Ensuring Sustainable food production; C Improving markets and trade; D Transforming Agriculture; CRP2 ; MTID; PIM ; CGIAR Research Program on Policies, Institutions, and Markets (PIM)

Agriculture is the main source of income for rural communities in many developing countries such asIndonesia. Agriculture represents 15% of the Gross Domestic Product and employs nearly 38 millionworkers, most of whom are small farmers. Thus, improving the condition of farmers will reduce the levelof poverty. Rice Crop Insurance is one of the Government's programs to support farmers, farmers can stillimmediately replant their land from the payment of benefits paid by the Insurer and do not experiencefinancial shocks due to by unwanted events. The current pattern of agriculture in Indonesia are traditionalpattern so that natural factors are very influential, agricultural machinery and capital financial is limited.The location of the research was carried out at the Asuransi Jasindo Purwokerto Branch Office. Thisresearch is an exploratory descriptive research because this research aims to explore various problems orquestions that become the focus of a research activity. This research involves Asuransi Jasindo, farmersgroup, Unit Pelaksana Jasa Alsintan and Bank BNI as a financial institution. Learning from the experiencesof other developing countries, the success of most insurance projects lies in the combination of insurancewith other services, such as loans, in-kind seed payments, and government programs that improve soilconditions and infrastructure. So that the existence of agricultural insurance can change the behavior offarmers by reducing uncertainty, allowing farmers to get profitable crops and then becoming a catalyst,because lenders are more likely to provide credit to farmers who are protected by insurance.Keywords: Agricultural insurance; agricultural ecosystem; insurance marketing; insurance marketingstrategy

Agriculture is the main source of income for rural communities in many developing countries such asIndonesia. Agriculture represents 15% of the Gross Domestic Product and employs nearly 38 millionworkers, most of whom are small farmers. Thus, improving the condition of farmers will reduce the levelof poverty. Rice Crop Insurance is one of the Government's programs to support farmers, farmers can stillimmediately replant their land from the payment of benefits paid by the Insurer and do not experiencefinancial shocks due to by unwanted events. The current pattern of agriculture in Indonesia are traditionalpattern so that natural factors are very influential, agricultural machinery and capital financial is limited.The location of the research was carried out at the Asuransi Jasindo Purwokerto Branch Office. Thisresearch is an exploratory descriptive research because this research aims to explore various problems orquestions that become the focus of a research activity. This research involves Asuransi Jasindo, farmersgroup, Unit Pelaksana Jasa Alsintan and Bank BNI as a financial institution. Learning from the experiencesof other developing countries, the success of most insurance projects lies in the combination of insurancewith other services, such as loans, in-kind seed payments, and government programs that improve soilconditions and infrastructure. So that the existence of agricultural insurance can change the behavior offarmers by reducing uncertainty, allowing farmers to get profitable crops and then becoming a catalyst,because lenders are more likely to provide credit to farmers who are protected by insurance.Keywords: Agricultural insurance; agricultural ecosystem; insurance marketing; insurance marketingstrategy

The prospects of agricultural insurance risks development are submitted. Some aspects of crop yields insurance mechanism are touched upon. Recommendations aimed at improving the actual mechanism of yields insurance based on the government support and providing for its balance have been suggested

Agriculture is a key sector in Bangladesh, but it is highly exposed to risks. While agriculture is a source of employment and livelihood for nearly one in two adults in Bangladesh and contributes about 16 percent to GDP, it is highly exposed to natural hazards. Indeed, Bangladesh is commonly ranked as one of the most vulnerable countries in the world to natural disasters with agriculture heavily exposed to floods, cyclones, and drought. In 2007, for instance, Cyclone Sidr destroyed 0.69 million ha of cultivated crop lands and killed over 460,000 head of livestock and poultry.In the past, the government of Bangladesh and development partners have provided substantialsupport to farmers in the aftermath of large disasters, but this approach has disadvantages in that support is not guaranteed to farmers and may be slow. In the aftermath of Cyclone Sidr,recovery and reconstruction needs were estimated at USD 1.3 billion, or 28 percent of governmentexpenditures. In spite of efforts by the government of Bangladesh, the gap between available funding and needs is often large and can reach more than USD 1.5 billion in bad years (Air Worldwide and ADPC 2014). Bangladesh often relies on international assistance, as over the past ten years, only 33 percent of disaster-related expenses has been met by domestic resources. In addition, disaster relief transfers often take substantial time to reach beneficiaries and require to divert resources away from long term development projects. Agricultural insurance offers the government a planned, fast, ex ante alternative to ad hoc disaster response, one that (1) reduces the ex post fiscal burden on the government, (2) improves farmers' resilience to shocks, and (3) supports the expansion of agricultural credit. Every five years on average in Bangladesh, production shocks lead to a drop of up to 50 percent in crop income available for consumption in average rural households. This drop pushes many small- and medium- scale farmers into poverty. Although many Bangladeshi farmers can access credit, their exposure to risks makes formal financial institutions reluctant to lend to them, so that most farmers borrow from informal lenders at average annual interest rates ranging from 19 percent to 30 percent. Agricultural insurance transfers risk away from farmers, and therefore benefits financial institutions and the government of Bangladesh as well as the farmers themselves.

A central, but inadequately explored issue with respect to subsidized crop insurance programs concerns the costs of delivering insurance coverage to farmers. This study examines that issue in the context of the heavily subsidized US crop insurance program which has often been put forward as a model for agricultural insurance programs in other countries. US Government programs often rely on private firms to deliver income transfers or services, which then establish their own rent-seeking lobbies, which are shared with input suppliers. This rent dispersion process is examined in the context of the U.S. agricultural insurance industry, which receives as much as one third of the annual subsidies that support the federal crop insurance program. We find that as total payments to insurance companies increased between 2001 and 2009, an increasingly large share of the agricultural insurance industry's rents accrued to insurance agents, although in markets where insurance companies possessed some oligopsony power, agent payments are smaller. The findings also suggest that the insurance industry (companies and independent agents) would almost surely provide the same service for substantially less than the gross revenues from the subsidies and underwriting gains they received. ; Non-PR ; IFPRI1; C Improving markets and trade; PIM 3.1 Advisory services; PIM 3 Adoption of Technology and Sustainable Intensification ; MTID