CIAR

What CIAR does

CIAR (Compagnie Internationale d'Assurance et de Réassurance) is a private Algerian insurance and reinsurance company founded in 1998 and headquartered in Hydra, Algiers. The company operates as the stated leader of Algeria's private damage (P&C) insurance sector, distributing products through more than 480 physical agency branches nationwide, supplemented by a website-based quote request channel, phone/email direct contact, and an independent General Insurance Agent (AGA) recruitment program. Its core product suite is organized across three customer segments — Particuliers (individuals), Professionnels (professionals and farmers), and Entreprises (corporates) — and spans automobile (CIARati, CIARati Pro, CIARate), multi-risk home (DIAR), civil liability (Madania), natural catastrophe (CatNat), multi-risk professional (MultiPro), agricultural (Filahati), livestock (Machya), industrial/commercial multi-risk (Charikati), multi-modal transport (Na9l covering land, sea, and air), and construction (Binayati) coverage. CIAR also accepts and cedes reinsurance treaties through partnerships with world-class international reinsurance partners, and in 2011 founded Macir Vie, a wholly-owned subsidiary specializing in life and personal insurance.

Revenue is generated primarily through recurring insurance premiums collected on annual or multi-year policy renewals across the full product range, supplemented by reinsurance premium income and commissions. Pricing is not publicly disclosed; premiums are tailored to risk profile, coverage level, and customer segment, with quotes provided on request. The company serves a diversified customer base ranging from individual consumers to large enterprise accounts, including named corporate clients such as Sonatrach (Algeria's state-owned oil and gas major), Bonatti, Atlas, Sodea, and HydraPharmGroup. Distribution combines a nationwide brick-and-mortar agency network with traditional inside-sales phone/email channels and a modest digital footprint (corporate website, Facebook, Instagram, LinkedIn, and a CIAR'Actu news portal); the technology stack is a standard web-based insurance platform with SSL encryption and online quote forms, without disclosed AI/ML, API, or proprietary digital-underwriting capabilities.

Name

CIAR

Legal name

Compagnie Internationale d'Assurance et de Réassurance

Website

https://laciar.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

251–500 employees

Short description

CIAR (Compagnie Internationale d'Assurance et de Réassurance) is a private Algerian insurer and reinsurer, founded in 1998 and operating 480+ branches nationwide, offering auto, home, professional, agricultural, transport, construction, liability, and catastrophe coverage to individuals, professionals, and enterprises across Algeria, plus life insurance via its Macir Vie subsidiary.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Casualty Facultative Reinsurance (FSAOAFAB)

Keywords

• Property damage insurance
• Motor vehicle insurance
• Agricultural insurance
• Reinsurance services
• Natural disaster insurance

Headquarters

HQ city

Alger

HQ country

Algeria

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: CIAR generates revenue by collecting insurance premiums from individuals, professionals, and enterprises across a comprehensive range of insurance products including automobile, multirisque (multi-risk), liability, agricultural, transport, and catastrophe coverage. Revenue is recurring through annual or multi-year policy renewals.
2. Reinsurance Services: As a réassurance (reinsurance) company, CIAR cedes and accepts reinsurance treaties, generating reinsurance premium income and commissions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

CIAR sells a comprehensive portfolio of property and casualty insurance products across Algeria — auto, multi-risk home, civil liability, professional multi-risk, agricultural, livestock, construction, transport (land, sea, air), and natural disaster — to individuals, professionals, and enterprises through 480+ branch agencies and digital channels. The company also operates a reinsurance business, ceding and accepting treaties with world-class partners, and owns the Macir Vie life and personal insurance subsidiary.

Product overview

CIAR (Compagnie Internationale d'Assurance et de Réassurance) is an Algerian insurance company founded in 1998, operating as a private insurance leader in the damage insurance sector. The company offers a comprehensive portfolio of insurance products organized across three customer segments: Particuliers (individuals), Professionnels (professionals), and Entreprises (businesses). The product portfolio includes automobile insurance (CIARati/CIARati Pro/CIARate), multi-risk home insurance (DIAR), multi-risk professional insurance (MultiPro), agricultural insurance (Filahati), livestock insurance (Machya), construction insurance (Binayati), transport insurance (Na9l covering land/sea/air), civil liability insurance (Madania across all segments), and natural disaster insurance (CatNat). The company also established Macir Vie in 2011 as a subsidiary specializing in personal insurance. With over 480 agencies across Algeria, CIAR provides coverage including fire, theft, water damage, legal protection, and 24/7 roadside and home assistance services.

Differentiator

Problem solved

Functional benefit

Brands

• CIARati: Automobile insurance for individuals covering RC, accidents, assistance
• DIAR
• Madania
• CatNat
• CIARati Pro
• MultiPro
• Filahati
• Machya
• CIARate
• Charikati
• Na9l
• Binayati

Products and services

• CIARati Automobile insurance for individual policyholders in Algeria covering civil responsibility, accident damage, theft, fire, glass breakage, and collision, with 24/7 roadside assistance and legal defense.
• DIAR Multi-risk home insurance for individuals in Algeria covering fire, explosion, theft, water damage, glass breakage, and civil liability, including 24/7 home assistance for plumbing, glazing, electrical, and locksmith emergencies.
• Madania Particuliers Civil liability insurance for individuals covering bodily, material, and intangible damages caused to third parties, including damages caused by minor children and domestic staff.
• CatNat Particuliers Mandatory natural disaster insurance for individual homeowners covering ground movement, earthquakes, floods, mudslides, storms, and strong winds.
• CIARati Pro Automobile insurance for professionals including merchants, liberal professionals, taxi drivers, and self-employed workers, covering civil liability with optional 24/7 roadside assistance.
• MultiPro Multi-risk professional insurance for merchants, craftsmen, and self-employed covering glass breakage, water damage, fire, explosion, theft, damage from theft, and civil liability.
• Madania Professionnels Professional civil liability insurance covering bodily, material, and intangible damages to third parties for liberal professions, public professions, and other professional RC categories.
• Filahati Multi-risk agricultural insurance covering hail, greenhouse multi-risk, fire damage to crops, date palm multi-risk, agricultural exploitation risks, theft, flooding, lightning, storm damage, and legal protection for farmers.
• Machya Multi-risk livestock insurance covering cattle, poultry, beekeeping, aquaculture, and agricultural livestock mortality, with general civil liability, storm protection, and legal protection.
• CatNat Professionnels Mandatory natural disaster insurance for professionals covering ground movement and related catastrophe risks.
• CIARate Fleet automobile insurance for businesses with modular coverage adaptable to company needs and vehicle types, including optional world-class roadside assistance.
• Charikati Multi-risk industrial and commercial insurance for businesses covering theft, machine breakdown, business interruption, IT risks, fire, glass breakage, water damage, workplace accidents, and civil liability for delivered products, executives, and employers.
• Na9l Multi-risk transport insurance covering goods across land, sea, and air, including Na9l Terrestre (land), Na9l Maritime (port equipment, pleasure, commercial, and fishing vessels), and Na9l Aérien (aircraft bodies and cargo).
• Madania Entreprises Corporate civil liability insurance covering employer RC, business owner RC, farm manager RC, product liability RC, and executive and corporate officer RC.
• Binayati Multi-risk construction insurance for entrepreneurs, developers, and project owners covering machine breakdown, cold storage product loss, all-risk construction/mounting insurance, all-risk construction equipment insurance, ten-year civil liability, and professional RC for works contractors.
• CatNat Entreprises Mandatory natural disaster insurance for businesses covering earthquakes and ground movement.
• Macir Vie (life and personal insurance subsidiary) Wholly-owned subsidiary of CIAR, founded in 2011, specialized in life and personal insurance (assurances de personnes).
• Reinsurance services As a réassurance company, CIAR cedes and accepts reinsurance treaties, generating reinsurance premium income and commissions in partnership with world-class reinsurance partners.

Quantifiable outcome

• Over 480 agency branches serving customers across the entire Algerian territory
• +1 more outcomes

Named customers15 records

Segments3 records

Ideal customer profiles3 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.

• World-Range Reinsurance and Insurance PartnerscoreStrategic or Co-development PartnerCIAR works with partners and insurers of worldwide rank to ensure high-quality insurance services. These reinsurance partners provide risk-sharing capacity that enables CIAR to underwrite large and complex risks across all its business lines.
• SonatrachcoreOthersAlgeria's state-owned oil and gas company is listed among CIAR's key corporate clients and partners, receiving tailored insurance coverage for its operations.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Munich Re: Global reinsurance leader and one of the likely "world-class reinsurance partners" referenced by CIAR. Comparable as a casualty reinsurance provider and benchmark for the reinsurance portion of CIAR's revenue mix.
• Allianz: Global P&C and life insurance giant with broad product and geographic reach. Comparable as a benchmark for multi-line insurance capabilities, distribution scale, and reinsurance-backed underwriting that CIAR aims to emulate in its home market.

Direct peers

• Société Algérienne des Assurances (SAA): One of Algeria's largest state-owned P&C insurers, operating across auto, home, and commercial lines. Represents the state-owned competitor against which CIAR positions itself as the private-sector leader.
• AXA Algeria: Algerian subsidiary of global insurer AXA providing P&C and life insurance to individuals and businesses. Comparable in product breadth and distribution, leveraging global brand and reinsurance capacity against CIAR's local leadership position.
• Caisse Nationale de Mutualité Agricole (CNMA): Algerian mutual insurer specializing in agricultural and rural insurance coverage, directly competing with CIAR's Filahati and Machya agricultural and livestock product lines.
• Trust Algeria (Gulf Insurance Group): Algerian subsidiary of Gulf Insurance Group providing P&C and life insurance. Comparable in product breadth (auto, home, commercial) and customer segments, directly competing for the same private-market share as CIAR.
• Salama Insurance Algeria: Algerian insurance company offering P&C and life products to individuals and enterprises. Operates through a similar agency-based distribution model and competes head-to-head with CIAR across multiple customer segments.
• Compagnie Algérienne des Assurances et de Transports (CAAT): Algerian state-owned P&C and transport insurance carrier offering auto, transport, and enterprise coverage. Directly competes with CIAR in the broader Algerian insurance market, particularly for commercial and transport risks.
• Alliance Assurances: Algerian private-sector P&C insurer offering a comparable multi-line portfolio (auto, home, professional, enterprise) to individuals and businesses. Directly competes with CIAR in the same private damage insurance market segment where CIAR claims leadership.

Others

• Hannover Re: Major global reinsurer providing casualty and property treaty capacity. Relevant as a likely reinsurance counterparty to CIAR and a comparable reinsurance-driven business model for the reinsurance portion of CIAR's operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookweb.facebook.com/laciarassurances
• LinkedInlinkedin.com/company/la-ciar-assurances
• Instagraminstagram.com/la_ciar_assurances

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 CIAR