The Use Of Expert Systems In Agricultural Insurance. Necessity Vs. Reality

The topic was chosen due to the fact that, although agricultural insurance is particularly needed in agriculture to achieve performance, its achievements are still modest. The importance of this research is in that it tackles a very important sector of the economy, agriculture, and puts forward an immediate viable solution that meets the current needs of farmers. The contribution of the authors is their innovative solution, namely the proposition to implement expert systems in agricultural insurance, as a means of promoting insurance products which, although they are not currently granted the due importance, have started to be acknowledged increasingly in recent times. The interest in this type of insurance is due to the recent climate changes whose effects are extremely damaging, and to the need to improve agricultural competitiveness on the common market as a result of trade liberalization in agricultural products. The scientific literature in the field of expert systems highlights the benefits of implementing systems in all areas of economic and social activity, including insurance and agriculture, but it does not deal separately with the issue of agricultural insurance, despite its importance in the development of agriculture. This confirms the topicality of the study. Regarding the scientific methodology, in order to easily understand how expert systems work also by those who are not familiar with the field, we opted to present the stages of preparation of the system, namely: (a) preparing the knowledge database, (2) preparing the charts and (3) system encoding and assessment. The research results, at the conceptual level, confirm the need for agricultural insurance expert systems because of the benefits it would create (ease of use, informing farmers about the existence and importance of agricultural insurance, increasing demand for such type of insurance, which would also lead to the development of agriculture, to the creation of insurance products tailored to farmers' needs) and refers to the authorities that should be appointed to implement these systems.