The Reality of Agricultural Insurance Implementation in Algeria and Its Role in Agricultural Development

Agricultural insurance is essential for protecting farmers against risks such as fires, floods, and pests, which negatively impact production. It plays a key role in supporting agricultural development by providing financial compensation, thus allowing the continuity and expansion of agricultural activities. This study analyzes the current state of a gricultural insurance in Algeria and evaluates its impact on agricultural development, focusing on its economic and social contributions. It examines the available types of insurance, their importance, the challenges faced (high costs, adverse selection, l ack of information, low awareness, and an insufficient legal framework), as well as support policies. The results show that agricultural insurance promotes access to financing, income stability, and food security. The study recommends developing effective policies and appropriate insurance products to improve the sector’s performance and support sustainable agricultural development in Algeria.