Poland introduces new farm insurance and credit reforms for 2026

Poland's Ministry of Agriculture and Rural Development has approved a reform of the crop‑insurance system set to take effect on 1 September 2026. The amendment simplifies subsidy rules by removing soil‑class limits and establishing two clear tariff thresholds – 15 % and 25 % of the insured sum – guaranteeing full subsidies regardless of land quality. Premiums are to be lowered and the deductible reduced from 10 %–35 % to a smaller, tiered reduction. The list of eligible crops is expanded to include seed grasses and willow. The Senate has already concluded its work on the bill and the changes now await the president’s signature. Some legislators, including former minister Jan Krzysztof Ardanowski, argue that compulsory insurance is needed to protect farm production against increasing weather‑related risks.

In parallel, from 1 July 2026 the government will implement new conditions for agricultural financing through the Fundusz Gwarancji Rolnych Plus (FGR Plus). The state will cover 50 % of interest on preferential loans for all eligible farmers, agribusinesses and cooperatives, with an even higher subsidy (100 % for the first two years) for pig‑farms investing in herd expansion. Credit guarantees will rise to 80 % of loan value, and the maximum guarantee for cooperatives will increase from PLN 5 million to PLN 10 million. Loan limits for working‑capital financing will rise from 20 % to 25 % of the investment loan, supporting purchases of machinery, buildings, renewable‑energy installations, livestock, digital technologies and more. Minister Stefan Krajewski highlighted the measures as a way to lower financing costs and improve liquidity for the sector.