Investigation on Development Barriers of Electronic Insurance in Iranian Insurance Companies Case Study (Insurance Companies in Mazandaran Province)

Electronic insurances are from important phenomenon that used from information and communication technology and also are from information management that has depth evolution in the way of selling insurance and delivering of damages, through from side increasing the communication with insurer and with another side make the domain of virtual selling and buying of some insurance widely. In this research we pay attention to barriers of electronic insurance and getting some alternatives for expanding and developing electronic insurance in Iran insurance company at mazandaran state and investigating the effect of natural and behavioral barrier of environmental organization as independent variable to undeveloped electronically insurance as dependent variable with operating statistical analysis on collecting data and the result has shown with t-test that independent variable has effective significant on dependent variable and the factors with using of Friedman test has classified from their importance of organization nature of environment and behavioral are from the most important barrier of expanding electronic insurance. Key words: electronic trade, electronic insurance, information technology