إطار مفاهيمي لعلاقة رأس المال البشري في انتقاء وتصنيف الأخطار التأمينية

Abstract EN

Insurance companies rely mainly on human capital, which consists of knowledge, skills, and experiences as well as abilities in selection and classification of insurable risks, because most of them have many variables, which prompted the researcher to contribute to put (a conceptual framework for the relationship of human capital in selection and classification of insurable risks), with the aim of highlight the relationship between its variables, and emphasizing the importance of human capital in insurance companies and investing in it, and organizations that seek to survive and grow must take an interest in human capital by investing in it, which allows them to achieve what want.

The researcher reached a set of conclusions, including, the insurance companies do not entrust the underwriting process to people from outside the company, but rather undertake it by their employees and limit it to those highly experienced.

The researcher also came out with a set of recommendations, including, stressing the importance of carrying out the underwriting process by highly experienced underwriters in every type of insurance.