Factors Determining the Crop Insurance Level in Poland Taking into Account the Level of Farm Subsidising

Despite efforts and pressures on the part of the State, the relatively small percentage of Polish farmers insure their crops. The paper analysed the determinants of taking out crop insurance, using logistic regression and FADN data (2004-2013). The models were estimated for the analysed population and by groups with a different subsidy rate. A novelty is the use of the Horvitz-Thompson estimator which allows us to generalise the results of the models on a national scale. It was found that crop insurance was mainly determined by received compensation and significant losses in the past yields, as well as by: value of the agricultural production, crop production intensity and soil quality. The results obtained in this part are consistent with the expected utility hypothesis.The impact of the level of subsidies received by farmers on insurance crop decisions was not confirmed, however, the models assessed for farms with a different subsidy rate point to the importance of subsidies as an income stabilising factor