What Dara Insurance does

Dara Insurance Plc. is a Cambodian general insurance company established in 2018 under the Insurance Law of the Kingdom of Cambodia, operating as a subsidiary of Canadia Investment Holding Plc. (CIH), a Cambodian public limited conglomerate with broad investments in the domestic economy. The company received its General Insurance Principal License from the Ministry of Economy and Finance on July 2, 2018, was incorporated via Certificate of Incorporation from the Ministry of Commerce on July 10, 2018, and received its Operation License on December 25, 2018, with its headquarters on the 8th Floor of the Cambodia Post Bank Building in Phnom Penh.

Dara offers a comprehensive general insurance portfolio organized into seven core categories: Aviation, Marine, Medical/Personal Accident, Engineering, Property, Auto, and Miscellaneous Insurance, with roughly twenty specific sub-products spanning Private Car, Motorcycle, Commercial Vehicle, Fire, Fire Consequential Loss, Property All Risks, Contractors' All Risks, Erection All Risks, Machinery Breakdown, Group Hospitalization & Surgical, Personal Accident, Marine Cargo, Aviation Hull and Liability, Burglary, Fidelity Guarantee, Money, and Public Liability coverages. Its core technology consists of standard insurance policy management systems supporting underwriting, claims processing, and customer management; the company does not disclose proprietary technology features. There is no evidence of mobile applications, public APIs, or AI/ML-driven capabilities in the source material.

The business model is a recurring annual premium subscription across all product lines, with premiums payable in cash, cheque, or bank transfer within 30 days of policy inception and pricing varying by risk factors (sum insured, vehicle profile, occupation, cargo type, indemnity period, claim experience, and underwriting requirements). Go-to-market is sales-led, combining a field agent network, a 24/7 hotline and dedicated claims hotline, a corporate website with quote requests and downloadable claim forms, in-person consultations at the Phnom Penh headquarters, and event-based marketing (university seminars with the Insurance Association of Cambodia, community and school sponsorships). The company targets both individual customers (motor, home, personal accident, health) and enterprise/business customers (group hospitalization, commercial vehicle, engineering, fidelity guarantee, public liability), with no disclosed revenue, headcount, or funding figures.

Name

Dara Insurance

Legal name

Dara Insurance Plc.

Website

https://darainsurance.com.kh

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Dara Insurance Plc. is a Cambodian general insurance company offering motor, property, marine, aviation, engineering, medical, and miscellaneous coverage to individuals and enterprises, distributed via field agents, hotlines, and digital channels as part of Canadia Investment Holding Plc.

Ownership category

akta.pro rank

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices1 record

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. Insurance Premiums: Dara Insurance generates revenue through annual insurance policy premiums across multiple product lines including auto, property, marine, aviation, engineering, medical/personal accident, and miscellaneous insurance. Premiums are paid annually or within 30 days of policy inception. The company also earns interest income on float and investment of premium reserves.
2. Insurance Products: Revenue is generated from a wide range of insurance products covering assets, liability, and health protection for customers in Cambodia.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Dara Insurance Plc. is a Cambodian general insurance company that sells and underwrites a broad portfolio of insurance policies covering individuals and businesses. Its seven core product lines are Aviation, Marine, Medical/Personal Accident, Engineering, Property, Auto, and Miscellaneous Insurance, each with multiple sub-products and both individual and group coverage options. The company distributes these policies through direct sales agents, telephone hotlines, its website, and in-person consultations at its Phnom Penh headquarters.

Product overview

Dara Insurance Plc. is a Cambodian insurance company offering a comprehensive portfolio of general insurance products organized into seven main categories: Aviation Insurance, Marine Insurance, Medical/Personal Accident Insurance, Engineering Insurance, Property Insurance, Auto Insurance, and Miscellaneous Insurance. The company operates as part of Canadia Investment Holding Plc. and provides both individual and group coverage options. The product structure follows a core-plus-sub-product architecture where main categories contain specific product variants (e.g., Auto Insurance encompasses Private Car, Motorcycle, and Commercial Vehicle Insurance; Property Insurance includes Fire, Fire Consequential Loss, and Property All Risks). The Miscellaneous category offers specialized coverages including Burglary, Fidelity Guarantee, Money, and Public Liability Insurance. All products are distributed directly through the company's website and sales team, with claims processing available via downloadable forms for Vehicle, Hospital/Personal Accident, and All Other Classes.

Differentiator

Problem solved

Functional benefit

Products and services

• Aviation Insurance Provides coverage for aircraft against all risks of accidental loss or damage, including hull all risks, spares, aircraft liability, and optional war and hi-jacking coverage. Targeted at private aircraft owners, airlines, corporate aircraft operators, charter operators, and helicopter operators.
• Marine Insurance Covers loss or damage to goods during transit by sea, air, rail, or land conveyance, subject to Institute Cargo Clauses with optional war and strikes coverage. Targeted at import/export and logistics companies engaged in international trade.
• Medical / Personal Accident Insurance Includes Group Hospitalization and Surgical Insurance for employee medical treatment costs and Personal Accident Insurance for compensation due to accidental bodily injury, disability, or death. Targeted at individuals and employers seeking employee medical benefits.
• Engineering Insurance Encompasses Contractors' All Risks Insurance for contract works, Erection All Risks Insurance for contract works liabilities, and Machinery Breakdown Insurance for plant and machinery damage. Targeted at construction firms, contractors, and industrial operators.
• Property Insurance Includes Fire Consequential Loss Insurance for business interruption due to fire, Fire Insurance for fire and lightning damage, and Property All Risks Insurance combining fire, theft, and accidental damage. Targeted at homeowners and businesses protecting physical property.
• Auto Insurance Covers Commercial Vehicle Insurance for goods-carrying vehicles and omnibuses, Motorcycle Insurance for third-party liability and accidental damage, and Private Car Insurance for comprehensive and third-party coverage. Targeted at individual vehicle owners and commercial fleet operators.
• Miscellaneous Insurance Includes Burglary Insurance for theft with forcible entry, Fidelity Guarantee Insurance for employee dishonesty losses, Money Insurance for transit and premises cash, and Public Liability Insurance for third-party accident claims. Targeted at businesses needing specialized liability and loss coverage.

Quantifiable outcome

• Fast claims settlement with dedicated trained team

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor and core.

• Canadia International School (CIS)minorGTM or Marketing Partner · 24 October 2020Participated in CIS Halloween Event on October 24th, 2020 at Elysee, Koh Pich. DARA team joined the occasion hosted by CIS as part of community engagement and partnership building.
• Women's International Group (WIG)minorGTM or Marketing Partner · 24 November 2019Gold Sponsor for Christmas Fair event organized by WIG at Canadian International School of Phnom Penh (CIS) Koh Pich Campus. All proceeds donated to various charity projects in Cambodia.
• Insurance Association of CambodiacoreStrategic or Co-development Partner · 7 October 2019Co-organized seminar on 'Benefits and Development of Insurance Market in Cambodia' for Build Bright University students in Siem Reap. Dara Insurance was Principal Sponsor for the event which aimed to provide awareness of the importance of insurance to the public.
• Ministry of Economy and Finance - Insurance & Pension DepartmentcoreStrategic or Co-development Partner · 7 October 2019Co-organized insurance seminar with Insurance Association of Cambodia for Build Bright University. The department oversees insurance regulation and industry development in Cambodia.
• Build Bright UniversityminorGTM or Marketing Partner · 7 October 2019Dara Insurance was Principal Sponsor for a seminar presented to students on 'Benefits and Development of Insurance Market in Cambodia'. University partnership for insurance awareness and potential future talent recruitment.
• Canadia Investment Holding Plc. (CIH)coreOthers · 2 July 2018Dara Insurance is part of the CIH family. CIH is a public limited company incorporated in the Kingdom of Cambodia, registered with Ministry of Commerce (MoC) registration number Co. 9560/07P dated January 31, 2007. CIH is distinguished by extensive investments in many key sectors of the Cambodian economy including financial services.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Infinity Insurance Cambodia: Cambodian general insurer offering motor, property, marine, and personal accident insurance — competing head-to-head with Dara in the same domestic market and customer segments.
• Mekong Insurance (Cambodia): Cambodian general insurance carrier providing motor, property, and personal accident products — competing with Dara for the same individual and SME customer base.
• Asia Insurance (Cambodia) Plc. General insurance carrier operating in Cambodia with property, motor, marine, and engineering products — a direct competitor across most of Dara's core product categories.
• Forte Insurance (Cambodia) Plc. One of Cambodia's largest general insurance carriers, offering motor, property, marine, engineering, and personal accident lines — directly overlapping Dara's seven-category general insurance portfolio in the same Cambodian market.
• CAMINCO (Cambodia) Insurance Plc. Established Cambodian general insurer with a multi-line portfolio including motor, fire, marine, and engineering — directly comparable to Dara's general insurance offering.

Broad incumbents

• MSIG Insurance (Cambodia): Regional Asian general insurer with Cambodian operations; offers a broader international-backed portfolio overlapping with Dara's aviation, marine, motor, and property lines.
• Sompo Insurance Asia: International P&C insurance group with Southeast Asian operations, including specialty lines like marine, aviation, and engineering — competing for the same specialty commercial risks Dara targets.
• AXA Cambodia: Global insurer with Cambodian general insurance offerings (motor, property, health); broader portfolio and stronger brand recognition than Dara in the same market.

Others

• Cambodian Reinsurance Corporation (CRC): Cambodia's domestic reinsurer — adjacent to Dara as a counterparty rather than direct competitor, but materially relevant to understanding the local reinsurance support and capital ecosystem Dara depends on for specialty lines.

Regional players

• Chamroeun Microinsurance Plc. Cambodian insurer focused on microinsurance and small-ticket policies — operates in the same market as Dara but addresses a more mass-market, lower-premium segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/darainsurance
• LinkedInlinkedin.com/company/darainsurance

Compliance3 records

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 Dara Insurance