Factors affecting groups of damage in agricultural insurance "case study of beekeeping Iran"

Customers are an important financial resources for agricultural insurance. Therefore, identification of customer and predict their damage levels (Because factor profitability of insurance) is very important. the present study is to separate the beekeeping units (as part of the agricultural insurance customers) based on damage level and specify factors affecting each sector by order logit model, a model for predicting the level of damage to new customers. In this context, information about beekeeping units with an average of less than 13 kg in 1389-90 crop was collected, were divided into 3 groups: low-damage, average damage, full damage. order logit model Results showed that the manager's job, higher education, experience, participate in training courses, the number of the hive covered with insulation, prepared for the queen of queen production centers, cleaning after apiaries beekeeper overwintering and adequate reaction at the time of pollen shortage have significant negative effect on increasing level of damage. Nosema disease has positive and significant effect on increasing levels of damage. Also apiaries in Isfahan province compared to other provinces have less damage. Therefore offers the classification of beekeeping mentioned factors are considered.