Avaliação da comercialização dos seguros florestais no Brasil

Abstract

This study aims to make a diagnosis of the commercialization of the forest insurance of the Rural Insurance Subsidy Program of Brazil, in order to quantify its trade, as well as to price its value for the country's forest plantations. The data used are of a historical series between the years of 2006 to 2015 and the simulation of the forest insurance quotation was made through an automatic insurer quotation questionnaire. Quotations were simulated for all species and all types of hedges available in the questionnaire, including: Eucalyptus spp., Pinus spp., Araucaria angustifolia, Hevea brasiliensis, Tectona grandis, Toona ciliat, Khaya ivorensis, Schizolobium amazonicum e Acacia spp., with basic cover (fire and lightning) and additional coverages (meteorological phenomena: heavy rain, hail, frost, drought and water), strong winds and falling aircraft. To price the insurance, quotes were made with an insurer. Although the area covered by forest insurance integrated with the PSR represents a low percentage of the total planted forests in the country, the market should be considered promising, since there is a significant increase in the contracting of this insurance since the year of implementation of the PSR. The factors that most influence the value of the insurance premium are: the species to be insured, its cycle, age, the purpose of use of the wood and the type of desired coverage in the contracting of the insurance policy.