دور شركات التأمين في تحقيق السلامة المالية

Abstract

Insurance is a vital aspect of modern life, providing individuals, businesses, and societies with essential protection against various risks and uncertainties. It serves as a safeguard against financial losses resulting from unforeseen events such as accidents, natural disasters, or unexpected health issues. Also encourages responsible behavior and risk management. Insurance companies assess risks and establish premiums based on the likelihood of certain events occurring. This practice incentivizes individuals and businesses to take precautions and implement safety measures to reduce the chances of accidents or losses. Through our study, we focused on an analytical study of the insurance sector in Algeria and Tunisia. As a result, we noticed that the insurance sector in Algeria faces many challenges compared to the Tunisian sector, due to lack of insurance awareness among a large segment of society, lack of an expanding insurance culture in the society, and the delay in developing innovative insurance products that are appropriate to the needs of the market compared to the insurance sector.