Factors Influencing the Acceptance of Crop Insurance (Case study: Gardeners of Gachsaran City)

Agriculture is inherently a high-risk activity, and agricultural production is always associated with a set of risks related to prices and environmental risks. Crop insurance contributes to reducing these risks and encouraging farmers, gardeners, and other operators in the field of agriculture to work and produce. Insurance is an effective tool in risk management in agriculture. It is actually a type of technology that was created to reduce the risk aversion of farmers and, as a result, increase their efficiency in the optimal use of production factors. The present research aims to identify the factors influencing the acceptance of crop insurance.

In terms of purpose, the research is an applied and descriptive-analytical study conducted by the survey approach. The statistical population consisted of gardeners in Gachsaran County. The sample whose size was estimated at 340 gardeners using Cochran's formula was taken by the random sampling method. The main instrument was a questionnaire whose validity was confirmed by a panel of experts and its reliability was estimated at 0.73 by Cronbach's alpha coefficient.

The results showed that economic factors with a significance level of 0.258, social factors with a significance level of 0.243, motivational factors with a significance level of 0.226, and insurance-related factors with a significance level of 0.221 had a positive and significant effect on the acceptance of crop insurance. Based on the results, economic factors play the biggest role in the acceptance of crop insurance, so it is suggested to apply such solutions as guaranteed purchase of products, elimination of middlemen, quick payment of compensation, focus on risky farmers, and orientation of crop insurance with farmers.