In this paper, we try to evaluate the impact of the systems of insurance on the growth economy and this by an empirical estimation in static panel of the interaction which exists between the degree of the development of the agricultural insurance and the development of the real growth of the agricultural production in three American, European and Asian continents during period (2000-2012) in presence of natural risk. In particular, this evaluation is explored for an economy activity strongly submitted to risks, namely the agriculture. Our study covers 24 countries selected on the basis of data availability they include : (a) the European countries, consisting of 7 countries, namely : Austria, Russia, France, Greece, Portugal, Italy and Spain ; (b) the American countries, consisting of 15 countries, namely : Brazil, Canada, Mexico, Panama, Chile, Dominic Republic, Argentina, Costa Rica, Paraguay, Australia, the USA, Colombia, Peru, Uruguay and Venezuela ; and (c) the Asian countries, consisting of 2 countries, namely : India and China. The hypothesis which is discussed stipulates that the application of the agricultural insurance and as a consequence the development of the penetration in the agricultural insurance could have a positive impact on the the growth of the agricultural production in presence of natural risk. We validate by an empirical estimation in static panel the interaction which exists between the degree of the development of the market of the agricultural insurance and the development of the real growth of the agricultural production in three American, European and Asian continents during period (2000-2012) in presence of natural risk. The results obtained from our estimation are interessting and suppose that several factors influence positively the development of the industry of agricultural insurance to insure an improvement of the agricultural growth production. These factors are: the penetration rate in the agricultural insurance, the agricultural investments, the agricultural spending and the subsidies of agricultural price production. The particularity of our estimation is the introduction of varaiables to evaluate the natural risk such us drought, floods, extreme temperatures in % of the population and disaster and the climatic indicators (Total Number of death).
