Activa International Insurance Company

What Activa International Insurance Company does

Activa International Insurance Company (legal name: Activa International Insurance Ghana) is a non-life insurance provider headquartered in Accra, Ghana. Founded in 2005 as Global Alliance Insurance, the company was acquired in 2009 by Pan-African insurer ACTIVA Assurances and rebranded to its current name. It serves individual and corporate customers through a portfolio of non-life insurance products spanning motor, property, personal accident, corporate, travel, and marine coverage. The company runs the Activ'Lady programme, a specialised offering targeting women entrepreneurs, and operates with a staff base of 101-250 employees.

The business operates on a subscription-recurring revenue model based on insurance premiums, distributed through traditional agent and broker channels within Ghana, with broader reach via the Globus Network spanning over 48 African countries. On the technology and compliance side, Activa has pursued digital transformation initiatives and became the first general insurer in Ghana to achieve ISO 27001:2022 information security management certification, signalling investment in data security and operational modernisation. Backed by its Pan-African parent ACTIVA Assurances, the company is positioned as a mid-tier regional non-life insurer rather than a digital-native insurtech.

Name

Activa International Insurance Company

Legal name

Activa International Insurance Ghana

Website

https://activa-ghana.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

Activa International Insurance Company is a Ghanaian non-life insurer offering motor, property, personal accident, corporate, and marine insurance to individual and business customers as a subsidiary of Pan-African insurer ACTIVA Assurances.

Ownership category

akta.pro rank

Product category

General (Non-Life) Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Commercial Umbrella Insurance (FSAJANAB)

Keywords

• Non-life insurance
• Motor insurance
• Property insurance
• Corporate insurance
• Personal accident insurance

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Motor Insurance: Non-life insurance coverage for vehicles and related risks
2. Property Insurance: Insurance coverage for residential and commercial properties
3. Personal Accident Insurance: Coverage for personal injury and accident-related losses
4. Corporate Insurance: Insurance solutions tailored for business clients

Core offering

Activa International Insurance Company is a non-life (general) insurance provider based in Accra, Ghana, offering motor, property, personal accident, and corporate insurance products to individuals and businesses. The company distributes these insurance products through traditional channels such as agents and brokers, and also runs the Activ'Lady programme providing insurance solutions tailored to women entrepreneurs.

Product overview

Activa International Insurance Company offers a portfolio of non-life insurance products including motor, property, personal accident, and corporate insurance. The company operates as part of the Globus Network spanning over 48 African countries and has undertaken digital transformation initiatives. The Activ'Lady programme specifically targets women entrepreneurs.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Insurance Non-life insurance coverage for vehicles, providing protection against accidents, theft, and related risks for individual vehicle owners and fleet operators.
• Property Insurance Insurance coverage for residential and commercial properties against damage, fire, theft, and other property-related risks.
• Personal Accident Insurance Insurance coverage providing financial protection against injuries and accidents for individuals seeking personal injury and accident-related loss coverage.
• Corporate Insurance Insurance solutions designed for businesses, covering various commercial risks, liabilities, business interruption, and corporate risk management needs.
• Activ'Lady Programme Programme offering insurance solutions and tailored financial services designed to support female entrepreneurs and women-owned businesses with limited access to conventional insurance products.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• ACTIVA AssurancescoreOthers · 1 January 2009ACTIVA Assurances, a Pan-African insurer, acquired Global Alliance Insurance (now Activa International Insurance) in 2009 and rebranded it to its current name. This acquisition positioned the company as part of a major Pan-African insurance group.
• Globus NetworkcoreStrategic or Co-development PartnerActiva International Insurance is part of the Globus Network, which spans over 48 African countries, providing the company with extensive regional coverage and cross-border insurance capabilities across the continent.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Enterprise Insurance Company: One of the largest general insurers in Ghana offering motor, property, fire, marine, and accident insurance to retail and corporate customers. Directly comparable as a Ghanaian multi-line non-life carrier competing in the same segments.
• Star Assurance Company Limited: Ghanaian non-life insurance company offering motor, property, marine, and personal accident products. Directly comparable in product mix, customer base, and Ghana market positioning.
• SIC Insurance Company Limited: Ghana's state-affiliated general insurer providing motor, property, fire, marine, and accident insurance. Comparable as a domestic multi-line non-life insurer with strong institutional client base.
• Hollard Insurance Ghana: Ghanaian subsidiary of Hollard Group, offering motor, property, and personal accident insurance. Comparable as a foreign-affiliated multi-line non-life insurer competing for similar Ghanaian retail and corporate customers.

Broad incumbents

• AXA Mansard Insurance: Major Nigerian insurer offering non-life (motor, property, marine) and life products across West Africa. Comparable as a larger Pan-African non-life insurer with broader portfolio, though primarily Nigeria-focused.
• Sanlam Pan-Africa (Sanlam Emerging Markets): Pan-African insurance and financial services group operating across multiple African countries including Ghana. Comparable as a large-scale, multi-geography non-life and life insurance provider.
• Old Mutual Ghana: Pan-African insurer with significant Ghana operations providing general (non-life) and life insurance. Comparable in Ghana market for non-life products with deeper capital and brand backing.

Regional players

• Leadway Assurance Company: Large Nigerian general insurer offering motor, property, marine, and accident coverage with growing West African footprint. Comparable product portfolio, though Nigeria-based with different primary geography.
• Britam Holdings: East Africa-focused insurance group offering general and life insurance with growing West Africa ambitions. Comparable as a Pan-African multi-line insurer, though primarily Kenya-led and with different primary geography.

Others

• African Reinsurance Corporation (Africa Re): Pan-African reinsurer providing reinsurance capacity to African primary insurers including those in Ghana. Comparable as a network participant in the African insurance ecosystem, though operating on the reinsurance rather than primary carrier side.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/activa_ghana
• Facebookfacebook.com/100063611021622
• LinkedInlinkedin.com/company/activa-international-insurance-ghana

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Activa International Insurance Company