وسطاء التامين في القانون الجزائري

Abstract

Insurance intermediation constitutes a fundamental link between insurance companies and policyholders. Therefore, clients may resort to professionals engaged in this activity, namely general insurance agents, insurance brokers, banks, and financial institutions. Their role lies in facilitating the conclusion of insurance contracts and ensuring their proper execution. Access to the insurance intermediation profession is subject to a set of legal requirements imposed on all insurance intermediaries. In return for the professional rights they enjoy, intermediaries are bound by several legal obligations and are subject to supervision by the competent authorities, whose mission is to ensure compliance with the legal rules governing insurance activities. Failure by an intermediary to fulfill one or more of these obligations, or the commission of acts contrary to the law and professional regulations, may result in various forms of liability and expose the intermediary to legal sanctions. With regard to amendment or termination, certain changes may affect the activity itself or some of its conditions. Furthermore, the duties of an insurance intermediary may come to an end in accordance with legal provisions, either at the intermediary’s own initiative or by decision of the competent authorities.