Polish Farmers’ Spring Frost Perception and the Use of Crop Insurance Against Spring Frost in Poland

According to Polish farmers spring frost is one of the most dangerous natural perils which a farm may face. The aim of the paper is to describe how farmers assess spring frost in the context of other sources of risk and to investigate if there are any interdependencies between the perception of spring frost and the use of crop insurance to cover this peril. The factors affecting the perception of spring frost were identified. The identified determinants of spring frost assessment were then used to construct an ordered response logit model that enables a classification of the farmer according to his assessment of spring frost