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Liva Group SAOG: Business Overview, Financials & Competitive Analysis

Liva Group SAOG scores 6/10 on the AskCyborg Cyborg Score (Solid). Strong GCC regional footprint with solid balance sheet, but recent underwriting challenges and catastrophic losses require operational improvement. Liva Group's ratings reflect a very strong balance sheet, strong operating performance, neutral business profile and appropriate enterprise risk management. However, negative outlooks reflect concerns over underwriting performance and earnings have.

What is Liva Group SAOG's industry? Liva Group SAOG (livagroup.co) operates in Multi-line Insurance. AskCyborg classifies Liva Group SAOG under Multi-line Insurance in its company registry.

Liva Group SAOG is an Oman-based company engaged in the provision of multi-line insurance, operating through Life and General segments serving both Individual and Corporate clients. The company is the leading multi-li...

6/ 10Solid

Cyborg Score thesis

Strong GCC regional footprint with solid balance sheet, but recent underwriting challenges and catastrophic losses require...

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Industry Multi-line Insurance
1 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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Liva Group SAOG OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Liva Group SAOG Overview

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Liva Group SAOG is an Oman-based company engaged in the provision of multi-line insurance, operating through Life and General segments serving both Individual and Corporate clients. The company is the leading multi-line insurance company in the GCC region, offering Motor, Home, Travel, Health, Life, and business insurance with over 80 years of experience serving over 1.5 million customers.

Strategic Profile

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Established in 2023 through the merger of Al Ahlia Insurance and National Life & General Insurance Company (NLGIC), Liva is the region's leading multi-line insurance company. The company has a well-diversified profile by product and geography, with a leading market position in Oman and presence in the UAE, Saudi Arabia, Bahrain and Kuwait, as well as planned expansion into Qatar.

Competitive Landscape

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Liva Group is the leading multi-line insurance company in the GCC region offering Motor, Home, Travel, Health, Life, and business insurance. The company operates in a competitive regional market with presence across Oman, UAE, Saudi Arabia, Bahrain, Kuwait and expanding into Qatar. Primary competitors include other major GCC insurers providing similar multi-line coverage.

Industry Context

Liva Group SAOG operates in Multi-line Insurance.

Key facts

Founded: 2023 (merger) / 80+ years legacy · Headquarters: Muscat, Oman · Revenue: OMR 310.8 million (2023)

What the analysts stress-tested

The top findings that survived the multi-agent debate for Liva Group SAOG.

  • AM Best assigned A- (Excellent) Financial Strength Rating to Liva Insurance subsidiaries in Bahrain and Oman
  • 2023 results showed insurance revenue of OMR 310.8 million (USD 807.2 million) with profit after tax of OMR 6.4 million (USD 16.6 million)
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Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2025AM Best assigned A- ratings to Liva Insurance subsidiaries while withdrawing holding company ratings
  • 2024Company experienced significant losses from GCC floods, resulting in OMR 5 million operating loss
  • +2 moreTrack every material event for Liva Group SAOG as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Multi-line Insurance ServicesMajor insurance providers in Gulf Cooperation Council markets→

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Industry context

Liva Group SAOG operates in Multi-line Insurance. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Liva Group SAOG do?+
Liva Group SAOG is an Oman-based company engaged in the provision of multi-line insurance, operating through Life and General segments serving both Individual and Corporate clients. The company is the leading multi-li...
What is Liva Group SAOG's Cyborg Score?+
Liva Group SAOG has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Liva Group SAOG's main competitors?+
Named competitors include Multi-line Insurance Services. The full competitive landscape is in the AskCyborg report.
How can I get the full Liva Group SAOG research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Liva Group SAOG research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Multi-line Insurance research

Companies in the same sector and named competitors, ranked by Cyborg Score.

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