The aim of this study is to empirically examine the three stages of intellectual capital management (
hypotheses developed. In particularly, we found that: (a) Intellectual capital Management (ICM) has an important existence in Algerian Insurance organizations. (b) competitiveness have an important existence in Algerian Insurance organizations.(C) Intellectual property management(IPM) is positively associated with competitiveness in Algerian Insurance organizations. (d) There is a statistically significant difference amongst Algerian insurance organizations due to privacy determinants (type, experience and turnover).
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