농업용 드론의 보험운용 실태와 개선방안

Operation and Improvement of Farm Machinery Insurance for Agricultural Drone

This study analyzed the operation of farm machinery insurance for agricultural drone in Korea and provided the improvement of the insurance. For the study, drone related laws and insurances were reviewed and empirical data of farm machinery insurance from 2017 to 2019 were analyzed. Results showed that farm machinery insurance product for agricultural drone needed to be consistent with drone related laws, especially making the insurance and drone pilot certificate mandatory, and reclassifying automobile insurance product for agricultural drone into drone insurance. The insurance product also needed to reflect purchasing condition, in a way with lowering deductible by liability, and giving premium discount by ownership type. In addition, the insurance product needed to be operated with two different products of drone insurance and unmanned helicopter, adjust insurance premium for personal indemnification and machinery indemnification, and increase discount and extra charge rate of insurance.