Liva Group
- Company typePublic
- Founded2023
- HeadquartersMuscat, Oman
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
Liva Group firmographics
Firmographics- Name
- Liva Group
- Legal name
- Liva Group SAOG
- Website
- https://livagroup.co
- Company type
- Public
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where Liva Group is headquartered
LocationHeadquarters
- HQ city
- Muscat
- HQ country
- Oman
- HQ region
- Middle East
Offices3 records
Markets served
Liva Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Core revenue from insurance premiums across Health & Life, Personal Lines, and Commercial Lines. Revenue generated through subscription-based insurance policies with recurring premium payments from individual and corporate customers across GCC markets.
- Investment Income: Investment portfolio returns from disciplined asset allocation and portfolio optimization. Investment income of OMR 11.1 million in 9M 2025, up 10% year-on-year.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Multi-line insurance products across Health & Life, Personal Lines, and Commercial Lines |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels5 records
Liva Group product offering
Product offeringCore offering
Liva Group is a multi-line insurance group operating across the GCC, providing Health & Life, Personal Lines (motor, property, personal accident), and Commercial Lines coverage to individual and corporate customers. It distributes these products through direct branches, intermediary brokers, and digital/embedded platforms, and offers specialized programs such as InsureMyTesla for electric vehicle owners and Low Salary Band health insurance for workers earning AED 4,000 or less per month in the UAE.
Product overview
Liva Group operates as a multi-line insurance platform offering a diversified portfolio of products across Health & Life, Personal Lines (motor, home, property), and Commercial Lines. The company provides both standard insurance offerings and specialized programs such as InsureMyTesla for electric vehicle owners and Low Salary Band health insurance for workers in the UAE. The group serves customers across the GCC through multiple distribution channels including digital platforms, with technology partnerships enabling fully digital customer journeys.
Differentiator
Problem solved
Functional benefit
Brands
- InsureMyTesla: Dedicated EV insurance program designed for Tesla owners in the UAE, offering comprehensive coverage including battery and charging-related protection with a seamless digital experience.
Quantifiable outcome
- Insurance revenue grew 24% year-on-year to OMR 299.9 million in 9M 2025
- +3 more outcomes
Companies that use Liva Group
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles5 records
Liva Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
Liva Group partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and strategic.
- BeloycoreEmbedded technology partnership for InsureMyTesla program. Beloy provides the digital platform enabling frictionless EV insurance from quote to claim. One year complimentary insurance offered for Tesla Model 3 and Model Y registrations, bringing down cost of EV ownership while delivering seamless digital experience.
- Petra InsurancecoreBroker partner providing local support for InsureMyTesla program in UAE. With six-decade legacy, Petra Insurance brings streamlined management approach to facilitate innovative insurance solutions aligned with progressive values of Tesla owners.
- Relm InsurancestrategicStrategic partnership to empower innovation and entrepreneurship in Web3, AI, and biotech sectors. Combines Liva's regional market knowledge with Relm's specialized insurance expertise. Initially supports companies in UAE and Bahrain, with plans to extend to Oman, Saudi Arabia, and other MENA markets. Relm holds Category 4 licence from DFSA and is regulated by Bermuda Monetary Authority.
- SalikcoreStrategic partnership for motor insurance solutions in UAE. Salik leverages its comprehensive database to provide timely renewal reminders to vehicle owners, directing them to Liva's digital portal for motor insurance policy renewals. Partnership supports Salik's ancillary revenue strategy and positions Liva as provider of best-in-class motor insurance in Dubai.
- Malath Cooperative InsurancestrategicPotential merger between Liva KSA and Malath Cooperative Insurance Company to expand footprint in Saudi Arabia. Non-binding memorandum of understanding signed for due diligence evaluation. Merger subject to regulatory and shareholder approvals. Represents strategic move to capitalize on Vision 2030 growth drivers in Kingdom's insurance market.
Scale indicators9 records
Recent moves9 records
Expansion highlights7 records
Liva Group competitors and assessment
Company assessmentDirect peers
- Bupa Arabia for Cooperative Insurance: Largest health-focused insurer in Saudi Arabia and a leading GCC health insurer. Directly comparable to Liva's Health & Life segment and Liva KSA ambitions, competing for the same large group health and DHA-equivalent regulated segments across the GCC.
- The Company for Cooperative Insurance (Tawuniya): Saudi-listed multi-line insurer offering motor, health, and commercial lines. Closely comparable to Liva's multi-line GCC model, particularly relevant as a competitor for the prospective combined Liva KSA–Malath entity in the Saudi market.
- ADNIC (Abu Dhabi National Insurance Company): UAE-listed multi-line P&C, health, and life insurer with regional expansion. Comparable to Liva in product mix (motor, health, commercial) and GCC geographic footprint, making it a direct benchmark for underwriting performance and embedded distribution in the UAE.
- Salama Cooperative Insurance: Saudi-listed multi-line insurer with both life/health and P&C operations and UAE presence. Comparable to Liva's GCC multi-line profile, particularly relevant in the KSA market where Salama is a potential competitor/benchmark for the Liva KSA–Malath combination.
- Oman Insurance Company (OIC): UAE-headquartered multi-line insurer with strong Oman and broader GCC presence. Directly comparable to Liva's product mix and home-market (Oman) footprint, competing for the same corporate, motor, and health accounts.
- Malath Cooperative Insurance: Saudi-listed multi-line insurer and announced merger counterparty to Liva KSA. Highly comparable in product mix and KSA market positioning, making it the most direct benchmark for the post-merger combined entity if the transaction closes.
Broad incumbents
- Qatar Insurance Company (QIC): Largest insurer in Qatar with significant GCC and international reinsurance operations. Comparable as a regional multi-line incumbent and a likely competitor/partner for Liva's Qatar operations and large commercial-line placements.
- Gulf Insurance Group (GIG): Kuwait-headquartered multi-line insurer with operations across MENA including KSA. Directly comparable geographic and product footprint, and a benchmark for GCC-wide multi-line consolidation strategies.
Regional players
- Bahrain National Holding (BNH): Bahrain-listed multi-line insurer with GCC expansion. Comparable in size and product mix, particularly relevant as Liva operates a Bahrain-incorporated entity (Liva Insurance B.S.C. (C)) and competes in the same small but interconnected Bahrain market.
Emerging players
- Relm Insurance: Specialty insurer for emerging-technology risks (Web3, AI, biotech) regulated by the Bermuda Monetary Authority and DFSA-licensed. Directly comparable as a strategic partner to Liva for digital-asset and AI insurance; also a potential competitor in this niche.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Liva Group social profiles
Digital presenceLiva Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Liva Group leadership team
Management profileNumber of profiles
Profiles18 records
Liva Group subsidiaries and ownership
Company hierarchySubsidiaries5 records
Liva Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Liva Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Liva Group
What does Liva Group do?
Liva Group is a multi-line insurance group operating across the GCC, providing Health & Life, Personal Lines (motor, property, personal accident), and Commercial Lines coverage to individual and corporate customers. It distributes these products through direct branches, intermediary brokers, and digital/embedded platforms, and offers specialized programs such as InsureMyTesla for electric vehicle owners and Low Salary Band health insurance for workers earning AED 4,000 or less per month in the UAE.
Is Liva Group a public or private company?
Liva Group is a public company. It is classified as public and is currently operating.
When was Liva Group founded?
Liva Group was founded in 2023. It employs 1,001 to 5,000 people.
Where is Liva Group based?
Liva Group is headquartered in Muscat, Oman, in the Middle East region.
How does Liva Group make money?
Two revenue lines are on record. Insurance Premiums are the primary driver. The others are investment Income.
Who are Liva Group's main competitors?
Direct peers on record are Bupa Arabia for Cooperative Insurance, The Company for Cooperative Insurance (Tawuniya), ADNIC (Abu Dhabi National Insurance Company), Salama Cooperative Insurance, Oman Insurance Company (OIC) and Malath Cooperative Insurance. Broad incumbents are Qatar Insurance Company (QIC) and Gulf Insurance Group (GIG). Bahrain National Holding (BNH) is listed as a regional player. Relm Insurance is listed as an emerging player.
Does Liva Group have an API?
No public API is recorded for Liva Group.