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Liva Group SAOG: Business Overview, Financials & Competitive Analysis

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...

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What's in This Report
Liva Group SAOG OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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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: June 15, 2026
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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.

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Recent developments

Material events tracked by the AskCyborg corpus.

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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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