(2)31– –

(2013- 2000) –
(2013-2000) –
. . .

. :
Abstract:
Industrial risks are characterized as having bilateral effects in contrast to natural risks. Which are
considered the worst of it, is the beginning period, the industrial effects are worst occur after a period of
crisis, in some cases both of them may occur together. Here the crisis is going to be more severe and more
violent ,that, what leads to the occurrence of major damage for workers and surrounding communities and
the risk to the workplace.
The industrial risks are the biggest challenges facing the organizations, if survive and profitability are key
targets for any economic institution, the management, address the risks and adapt to the environment, is
necessary to achieve these goals conditions.
Insurance in this area of the best tools to manage the risks, so that comes through this system transfers the
burden of risk from the production unit to the insurance company, which its role, cover the losses of all
insured elements of it, to meet the insurance paid by the decision-maker to meet safety premium.

Key words: risk management, insurance, industrial risks .

401
(2)31– –
(2013- 2000) –

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.3
1994 9.7 07/ 95

1993 8.1

1994 % 36 13.6 1995

% 40 1994

1995 07/95

2001 % 33 2002

2001 %14

2003

117 ) 2003 26 12/ 03

(FGA) (FSI) 2003

(CAT.NAT) 2004

.10
2003 % 17.7

%12.3 2006 % 12.9 2005

07/95 04/06

2007 .

53.7 67.8 2008 2006 % 16.9

2009 %26.1 2007

2012 86.6 81.7 77.4 2011 2010

. 100 2011 13
: (2013/2000) :1
2006 2005 2004 2003 2002 2001 2000

46.474 41.620 35.758 31.311 28.985 21.501 19.501

2013 2012 2011 2010 2009 2008 2007

406
(2)31– –
(2013- 2000) –
113.995 99.630 86.675 81.713 77.339 67.884 53.789

.2013/2000 :
2012 14.3 2013
%25 %63

%3 %10

2011 2012 23 2010 16

AXA CARAMA TALA SAPS AXA Dommages)

5.5 (MUTUALISTE MACIR vie vie

.2000
: (2013/2000) :2
120
99.63
100 81.713 113.995

80 67.884
86.675
77.339
60 46.474
35.758
40 28.985 53.789
19.501
41.62
20 31.311
21.501
0
00

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02

03

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06

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08

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11

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20

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:Assurance Incendie et Risques Annexes .1.1

.
.11
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(contrat multirisques)

:
-
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-

407
(2)31– –
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:Assurances Bris de Machines .2.1

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:Assurances Perte d’exploitation .3.1
)
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15
:
-
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-
.16 ..
-
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:Assurance Bris de glaces .5.1

...

-
-

408
(2)31– –
(2013- 2000) –
( )

:Assurance Tous risques Engins de chantier .6.1

:18
-
-
.( ) ( ) -
-
-

. (Tous risques sauf )

:Assurance Vol .7.1

.19
:Assurance des Tous risques électroniques .8.1
)
(...

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: .9.1

409
(2)31– –
(2013- 2000) –
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. ... 2004 GNL1K

.20
.2
2000

: 2013/2000 :2
2006 2005 2004 2003 2002 2001 2000

23.994 52.361 17.150 17.146 14.804 14.022 12.560

3.475 36.021 2.506 3.535 2.255 3.520 2.882
14 69 15 21 15 25 23 %
2013 2012 2011 2010 2009 2008 2007
54.059 50.707 43.176 35.678 36.056 34.772 25.470

9.243 9.880 7.464 4.353 5.803 9.775 3.885

17 19 17 12 16 28 15 %

2013/2000 :

52.361 2005

2.882 2000
638 3.520 2001
2003 2001
3.535 3.520
(2003 2001 )
( )

2005
36.021 GNL1K

410
(2)31– –
(2013- 2000) –
2005
% 69
:3
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35 36.021

30
25
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2.255 9.243
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3.52 3.535 2.506 3.885
0

:
2007 2006
9.7 2008 8
2007 5.8
2009
3.9 2008 41
2008 (2A) '' ''
.2009 25 1.4 2010
2011 7.4
2011 3.1 71
2010 7.5

2010 21 43.1 2011

. 35.6
2.3 22
2012
La CASH 2011 2.4 32
2.3 2012 117
.2012 5 2011
.2012 2011
3.3 2013
. 7 2013 54 2012 50.7

411
 (2)31– –
(2013- 2000) –
53 .CASH CAAR
.2013 2.3 2012 5
2011 2012
2012
2.7

2013 2004

36021 2005

( )

(... . . ) -
.
la loi des )
) (grands nombres

(Munich-Ré, Swiss-Ré, SCOR,…

: -

(SMP/ sinistre maximum possible ou probable)

.
-
.( )

412
 (2)31– –
(2013- 2000) –
-
.
. GNL1K

1989
13
-

1-Voir:
-Ministère de L’aménagement du Territoire et de l’environnement, Rapport sur l’état et l’avenir
de l’environnement, Alger, 2005, P250.
- Jean-François GLEYZE, LE RISQUE, Institut Géographique National- Laboratoire COGIT,
France, 2002, P23.
31 1427 4 198-06 2 37 -2
.10 2006
2004 25 20_04 10 84 -3
.16
2004 25 20_04 2 -4
.15
5-Voir:
- Ministère de L’aménagement du Territoire et de l’environnement, Rapport sur et l’avenir de
l’environnement, Op. Cit, P250.
- RÉPUBLIQUE FRANçAISE, PREFECTURE DES VOSGES, Direction Départementale des
Territoires, Dossier Départemental des Risques Majeurs, France, EDITION 2011, P88.
- Cédrick Morneau, LA GESTION DES RISQUES D'ACCIDENTS INDUSTRIELS MAJEURS: ÉTAT
DE LA SITUATION SUR LE TERRITOIRE DE LA POINTE-DE-L’ÎLE, France, 2011, P05.
.46 1996 1 " -6
.47 -7
8- Frédéric Morlaye, Risk Management et Assurance, Edition ECONOMICA, Paris, France,
2006, P 86.
.200 -197 -9
10- Ministère des finances, Direction générale du trésor, Direction des Assurances, Activité des
Assurances en Algérie Année 2004, Algérie, 2005, P06.
2006 20 04-06 44 -11
45 -12
13 -Ali Dgendi (PDG La CAAR), Les Assurances Bris de Machines et Perte d’exploitation,
Alger, 1994, p02.
14- Générale Assurance Méditerranéenne, Police d'assurance, condition générales. Assurance
multirisques industriels, Alger , 2003 , p15 .
15-Ibid, P17.

413
 (2)31– –
(2013- 2000) –

16-Ibid, P22 .
17-Yvonne Lambert Faivre , Risques et Assurances des Entreprises, 3emeedition , Précis Dalloz,
Paris, 1991, P283 .
18-La CAAR, Police d'assurance, Engins de chantier, Alger, 1996, P06 .
19-Générale Assurance Méditerranéenne, Assurance multirisques industriels, Op. Cit , P24 .
25 1415 23 07-95 57 56 13 -20
.11 1995

414