Document Type : Original Research Paper
Authors
1 Department of Entrepreneurship, Islamic Azad University, Rasht Branch, Iran
2 Department of Entrepreneurship, College of Farabi, Tehran University, Iran
Abstract
Since the insurance companies are facing a wide range of possible and realized risks, the use of new and accurate methods of organizational governance is considered a vital parameter of macro management in these companies, which It leads to profit. On the other hand, one of the most advanced strategic tools for recognizing and guiding organizational processes is the ontology of the Osterwalder business model. In this article, focusing on the quantitative part of this ontology, the financial structures and products of two public insurances A and private B have been investigated based on the Osterwalder scale. The validity of the scale was confirmed by 20 insurance experts and its reliability was calculated with Cronbach's alpha equal to 0.921, which confirms the validity of the results. The results show that both the financial structure and the product of these two insurances are different, the main reasons of which are the government-institution of insurance A, the expansion of branches and agencies, the popularity of brand A, and the conservative strategy of insurance. B has been evaluated.
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