摘要：This study is to examine the equilibrium creation between the premiums received as sources and payable damages to be used; the study examined two factors: the nonparametric income pattern to measure income better and measuring the premium received by virtue of estimation nonparametric model for bivariate crop insurance policy and by virtue of these two factors it is possible to decrease the difference between received premiums and payable damages. The study was done in insurance services organizations and agricultural crops insurance fund in eleven cities in Fars province, Iran where they had insurance activities and damages assessment and payment in 2003–2011. In the study wheat and barley crops were insured simultaneously in the same basket and having created a portfolio, foreseen, assessed simultaneously their premium in one bivariate crop insurance policy and received related premium by virtue of a bivariate crop insurance policy provided the field to decrease the probable damages payable by government or insurance services organizations and it’s been concluded that having foreseen and assessed simultaneously the wheat and barley crops and then received related premium simultaneously in one bivariate crop insurance policy the damages payable by insurance services organizations under supervision of Agricultural Crops Insurance Fund are decreased because of their mutual overlapping.
