قندوز, طارقبلحيمر, ابراهيمقاسمي, السعيد2018-10-112018-10-112017-122543-3709http://dspace.univ-msila.dz:8080//xmlui/handle/123456789/5839this research paper aims at yielding beneficial and effective proposals inspired by organizational problems and structural obstacles in the algerian insurance sector. this study comes in line with legislative developments and deep changes experienced the industry of our country. the underwriting activity in algeria has witnessed concrete changes recently between 1995-2012 regarding the volume of cross premiums written, density ratio, penetration rate. these circumstances indicate the ambition of concerned parties to create radical changes in insurance sector.algerian insurance sector, economic reforms, volume of cross premiums written, density ratio, penetration rateArticle