This aimed to analyze the factors that affect the business people of flood-prone in Klaten regency against the ownership of insurance services. This Research This research conducted by doing quantitative approach which aims to know the influence of independent variable to dependent variable that is purchasing decision of insurance service. The sampling technique used is a simple random sampling. The data in the study was obtained through the distribution of questionnaires on business actors located in flood-prone areas of Klaten regency.
In this study the population is business actors in Klaten District who have experienced flooding. The sampling technique in this research is simple random sampling. The number of samples in this study as many as 65 people. Data were analyzed quantitative.
Data analysis used is logistic regression test analysis using SPSS16. The result of this research analysis is income variable and home elevation is positive significant to business entrepreneur participation in insurance. This is relevant to previous research. The variable of age, the number of flood frequency in one year, and the perception of business actor to the price of insurance premium have no significant effect to the insurance participation
