Journal of work and entrepreneurship reserch
Volume 2, Numéro 1, Pages 70-79
2026-06-30

Ai Governance And Ethical Frameworks In Insurance: Challenges And Opportunities For Tunisia



Authors : Ben Nasr Mehrez .

Abstract

Artificial intelligence (AI) is transforming the insurance industry, particularly in pricing, underwriting, claims management, and fraud detection. While these technologies can significantly improve operational efficiency and risk modeling, they also raise major ethical and regulatory concerns, including algorithmic discrimination, lack of transparency, privacy risks, dependence on technology vendors, and model risk. This paper proposes an AI governance framework tailored to Tunisian insurance companies. It builds on international reference frameworks—especially OECD AI Principles, guidance from the European Insurance and Occupational Pensions Authority (EIOPA), and the EU AI Act—while integrating the specific characteristics of the Tunisian market, such as the current data protection law and structural challenges identified in recent empirical research on AI in the Tunisian insurance sector. The paper outlines a governance architecture combining principles, committees, model registries, validation procedures, performance monitoring, and capacity-building initiatives, and proposes a phased roadmap for responsible AI adoption in Tunisian insurance.

Keywords

Artificial intelligence; Insurance; Governance; Ethics; Tunisia; Data protection; AI Act; EIOPA; Regulatory framework; Risk management.

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