Solvency assessment of insurance companies Case study of national insurance companies from 2013 to 2018

Abstract

The research deals with an important aspect in the work of insurance companies, as the
ability to compensate the insured for them when they are exposed to the risks insured against them
is extremely important that affects the continuity of this companies, in order to face this risks, as set
of procedures has been established, including solvency, the study touched on the theoretical side of
the development of how to measure solvency in insurance companies and the importance of
solvency margin as a minimum that guarantees the rights of believers and the continuity of their
activity, as for the applied aspect, a presentation and analysis of how to measure solvency in the
SAA company was presented based on the company’s annual report, the study concluded several
results, the most important of wich are : the fragility of the solvency system in Algerian insurance
companies, despite the development witnessed, we recommend the reform in line with the
acconting reform regarding the rules of solvency measurement and the importance of disclosing the
solvency of insurance companies and insurers as a right befor and after insurance contract.