Document Type : Research Paper


1 Associate Professor, Private Law Group, Allameh Tabataba'i University, Tehran, Iran

2 Private Law, Faculty of Law and Political Science, Allameh Tabatabai University, Tehran, Iran,


The importance of providing insurance services in the world today is increasing every day due to its reassuring features, especially in the field of commercial and economic activities, and in most countries, a special form and format is prescribed for the operators of this industry and allowed to operate only in They have provided a specific framework and criteria. Normally, insurance regulations are divided into two categories: contracts and insurance companies. Since joint-stock insurance companies can cover insurance risk more than their capital and provide most of their resources through the sale of insurance policies, in case of inability to fulfill obligations, irreparable losses to the insurers and others Beneficiaries enter and deprive public trust. Therefore, maintaining the rights of the beneficiaries and the continuation of public trust are necessary conditions and appropriate regulations for the establishment of insurance companies to operate in this industry. Therefore, the Supreme Council of Insurance and some regulatory institutions such as Central Insurance, along with the general rules of the commercial law and other laws, have predicted that some of the aforementioned regulations have important and serious ambiguities and At the same time, it is a challenge for such companies.


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