Farmers are constantly facing changes, and the exposure to risk requires monitoring these changes. Financial risks, institutional risks, market risks and production risks are the different risk categories that the farmers face. Production risks stems from factors the farmer cannot affect or is beyond his control. The crop?s output is the basis for the primary income of agricultural operations, which is why it is important for farmer to manage their production risk. A tool to reduce the consequences of production risks is Crop insurance.

The main purpose of this thesis is to analyse the possibilities and problems facing a privatised work injury insurance. This discussion includes the element of premium differentiation. Todays´ Swedish social insurance system is ineffectively formed. The costs have dramatically increased during the 1990´s. The Swedish government is now looking for ways to improve the efficiency of the system.

Hemp is a versatile plant with many uses that has been around for thousands of years. The plant is highly adaptable andwill cultivate in almost any soil. It has excellent remediation properties and has shown to be relatively consistent when itcomes to crop yields. The aim of this literature survey is to examine how hemp can be used to be considered asustainable energy crop in Sweden through database searches and interviews. Hemps characteristics as an energy cropand its remediation properties is evaluated and compared with other plants that are used in Sweden.

Construction projects are generally designed as a general contract or a complete contract. In a general contract the commercial contract that is being used is AB 04 and related advice and instructions, AMA AF 07. In AB 04 there is an insurance requirement that stipulates that the contractor shall take all risks and liability insurance for the contract where the client must be co-insured.Construction law is almost exclusively regulated by the various standard contracts, one of those is AB 04. The Construction Contracts Committe is an organization that has published the standard contracts in this area of law and also the advice and instructions to help the parties to understand the agreements. The insurance requirement occurs in an area of law that is complex and the meaning of the concept is not entirely clear, nor which of the parties? interests and responsibilities that are covered by the types of insurances that are provided by the insurance requirement.

Insurance terms always go with the insurance contract that you sign. In theseterms the assurers rights and obligations towards the insurer are stipulated. It is often difficult to interpret these insurance terms. Sometimes it is hard to decide whether an incident is considered an insurance event or not. These problems often cause disputes between the assurer and the insurer.

This essay discusses how insurance companies inform policyholders regarding home insurance. What level of support do insurance companies offer policyholders in order to supply them with enough knowledge to make an informed decision? Is information regarding insurance communicated in simple terms, or is it riddled with industry specific terminology?The essays focus is important to examine from a social context; Swedish social process does not select an insurer for an individual who neglects to choose one for their home insurance. Sweden's welfare system does otherwise provide a helping hand for a lack of decision with regard to preschool and school choice..

Game fields are one way to divert animals away from sensitive areas, create shelter and forage, and also to increase the biological diversity. In this study I investigated how the plant composition in six different crop mixes used for game fields affected the biomass production, biomass consumption and biological diversity at the Koberg estate in southwestern Sweden. Six experimental fields were used and each field contained six plots, approximately 1500 m2 each, that was sown with a different crop mix. The crop mixes ranged from a pure grass mix (A), 70 % grass and 30 % leguminous plants (B), 53 % grass, 21 % leguminous plants and 26 % other herbs (C), 100 % leguminous plants (D) to the most complex mixes constituting of 91 % leguminous plants and 9 % other herbs (E) and 87 % leguminous plants and 13 % other herbs (F). The fields were cut weekly during the summer in 2010, to estimate weekly biomass production.

Cassava (Manihot esculenta Crantz) is a root crop that plays an important role in many households in Africa. It is sometimes called ?Africa´s food insurance?. The advantages with the crop are that cassava is drought-resistant and it can grow in a semi-dry land. It is a perennial crop and does not require much labor.

The margin in crop production is more and more less and it forces the producer to check out how to reduce the cost of establishment of new crop. One way to reduce the cost in establishment is to begin with plough less farming. It saves money and time compares to conventional soil preparation with plough and harrow. Not all soil types are god for plough less farming and should be continued with ploughing (mainly light soil), but other soil types working very well with plough free farming. If you want to success with plough less farming you have to think in new lanes. One of the things you have to think about is to not grow too much cereal after cereal. Low stubble is important when you harvest the crop and also to spread and chop the straw well. I have in this work interviewed some farmers and farm advisers in Östergötland to see which thoughts they have about plough less farming.

The purpose of this essay is to investigate whether the implementation of the Solvency II directive will create a competitive advantage for the Swedish insurance companies compared with other insurance companies in Europe.Therefore the theoretical perspective illustrates the specific requirements and risk culture of the insurance industry and defines the critical success factors for a successful implementation of the directive. The empirical foundation is built on the QIS 5 reports for Sweden and Europe, interviews with the financial services and If insurance company as well as information from a seminar organized by KPMG. The analysis shows that the Swedish insurance companies meets the capital requirements of Solvency II by a large margin and that they are accustomed to risk management and reporting requirements from the traffic light model. This implies that the three critical success factors for a successful implementation of Solvency II are met, although with some limitations, and that Swedish insurance companies could possibly have a competitive advantage.     .

Damages have four main functions: reparation, placing of the costs, distribution of the losses and prevention. The rules about damages evolved before liability insurance had the extension it has today, 97 % of the Swedish populations is covered by liability insurance, since it is included in the comprehensive household insurance. Liability insurance should be looked at in the light of the damage rules, but the rules about damages are adapted to the insurance possibilities.The Law of damages contains, though the general adjustment article 6:2, the adjustment article 2:4 about children and the adjustment article 2:5 about the mentally ill, a possibility to adjust a non reasonable damage claim. If the liability insurance covers the damages no adjustment is made. Even when the adjustment articles are being used the damages is a heavy burden for the person who is liable for the damages.

The first aim of the thesis is to analyse the problems of trust, according to game theory, in the Russian market for private pensions insurance. The second aim is to find suitable strategies to solve the problems. Problems of trust have arisen because, (i) buyers of insurance have had negative experiences when dealing with insurance companies and corruption has decreased trust for all players in the market, (ii) incomplete information makes it difficult to separate honest actors from dishonest, and (iii) dishonest insurance companies do not get punished because of corruption and weaknesses in the law. Mutual risk-sharing is a potential solution as necessary conditions already exist in the Russian society. There are groups who (i) share the same type of risks, (ii) are aware of moral hazards, and (iii) are able to control each other.

This paper treats the differences in terms of insurance between optional and compulsory third party liability insurances. It also treats the purpose of the compulsory third party liability insurances and their accordance with that purpose. The primary purpose of the optional third party liability insurance is to ensure the policyholder financial resources to cover possible claims for damages. The primary purpose of the compulsory third party liability insurance is to render possible the compensation of a third party for damage done. The policyholders financial ability to pay damages is of subordinate interest, and the purpose of compulsory third party liability insurances is thus twofold.

The purpose of this report is to find out which crops, that are good for strawfuel, and can be grown i the area around the city of Lund. The background of this report it that Lunds energy is planning to bild a biofuelheated thermal power station in Örtofta outside of Lund. I have in the report limited me to the crops hemp, whole crop (triticale), reed canary grass, elephant grass and jerusalem artichoke. I have through a documentary research checked the crops, cultivabillity in the south of Sweden, and how they should fit, in the Scanian crop sequence. Hemp is an annual crop which probably could manage in the Scanian crop sequence. Whole crop often triticale because of it´s high yield and low rate of shed seed. Could also fit into the crop sequence of crop in Scanian. Triticale is annual, and could be grown at the same kind of fields as used to wheat, whith is why it would be possible to grow it in Scania. Reed canary grass is a reedlike grass that is easy grown at most soils.

Optimization of soil tillage and crop rotation is important in many aspects, but particularly in maximizing profit margins. Since the economic outcome is usually decisive, it can be interesting to study different combinations of soil tillage systems and crop rotations in order to identify the maximum economic outcome. How a crop functions in a particular tillage system determines whether it is profitable to grow that crop. Different tillage systems affect the soil and its processes in different ways. Reduced tillage often works best on weak-structured heavy clays and on silty clays.