The governments of African countries need to create Public-Private-Partnership (PPP) schemes with the insurance sector given that the continent is prone to massive natural catastrophes. African countries account for 58% of the number of countries worldwide that are exposed to such disasters, according to Mrs Lamia Ben Mahmoud, CEO of Tunis Re, at the African Insurance Organisation (AIO) Conference in Tunis. She added that the situation is alarming and affecting the insurance industry.