UNMANNED AERIAL VEHICLES IN AGRICULTURAL RISK INSURANCE

This study analyzes the need for the use of drones in agricultural production and the use of information for agricultural risk insurance. It is proven that drones in agriculture can be used to carry out the necessary range of activities to reduce the load on the soil, spray agricultural plants, and collect information for further use in farms. It is substantiated that insurance of agricultural risks requires information support for concluding an insurance contract and determining the amount of losses upon occurrence of an insured event. Drones in agriculture can perform the following operations: aerial photography, video recording, 3D modeling, thermal imaging, laser scanning, spraying, planting seeds, scaring away animals, etc. Drones can be used in analyzing soil quality for land quality insurance. The article presents a classification of insurance risks of agricultural production, which helps to determine the insurance risks and the possibility of their insurance. We propose a mechanism for insuring the risks of agricultural plants and the possibility of determining the amount of damage compensation using information from drones. The use of drones and associated analytics has great potential to support and enable operational decision-making despite external factors and weather conditions.