The legal nature of contracts of agricultural insurance with state support
The article analyzes the provisions of the Federal Law of July 25, 2011 No. 260-FZ "On state support in the field of agricultural insurance and on amendments to the Federal Law" On the development of agriculture ". The provision of state support to agricultural producers under agricultural insurance contracts implies the building of contractual relations between the farmer and the insurance organization in strict accordance with the requirements for agricultural insurance contracts contained in this law. An agricultural insurance contract that does not meet these requirements is regarded as an ordinary insurance contract without government support and does not give rise to legal consequences for agricultural producers to receive a subsidy to pay 50% of the insurance premium, as well as to receive payment from the compensation fund of an insurer association. It seems that the risks of such unfavorable legal consequences should be shifted from the agricultural producer to the insurance organization, which unilaterally forms the terms of the insurance contract with state support. For this, an approach based on providing a subsidy not to the insured (farmer, agricultural organization), but to the insurer to reimburse the lost income, namely a part of the insurance premium, is required, which will provide increased legal protection for agricultural producers to receive state support under agricultural insurance contracts.