Trust Compass Lebanon

What Trust Compass Lebanon does

Trust Compass Insurance S.A.L. is a Lebanon-domiciled, privately held multi-line insurance carrier founded in 1991 and operating as a member of the Trust Holdings Group (affiliated with Nest Investments (Holdings)). The company underwrites and distributes both personal and commercial insurance products through nine physical branches across Lebanon (headquartered in Hamra, Beirut) and through direct-to-consumer digital channels including online premium calculators, a 24/7 phone line, WhatsApp, and a website-based quote and claims intake. Its product portfolio spans motor (retail and fleet), individual and group medical, life (term and education, plus group life), personal accident, personal liability, expatriate cover, travel, property, engineering (CAR/EAR/machinery breakdown), money, liability (public, professional, D&O, marine, oil and gas), marine cargo and hull, and financial & special lines (cyber, event cancellation, fine arts, TV/film).

The underlying technology is a conventional insurance management platform with a Third-Party Administrator (TPA) integration for medical claims that enables cashless direct billing at network hospitals, pre-approval for elective procedures, and a 24/7 multi-channel claims reporting workflow. Online premium calculators for Motor (All Risks) and Medical (Perpetual and Protect) plans provide self-service quoting. The business model is recurring premium-based, with annual billing on quote-driven pricing tailored to risk profile, no publicly disclosed pricing, and no app or public API surface. Revenue is generated from two primary customer segments — individual consumers and business/corporate clients — served via a mix of direct branch sales, inside sales through the 24/7 contact center, online self-service, and a trained broker network. The company is licensed under Lebanese insurance regulations and emphasizes its international reinsurance security and 34-year operating history as core differentiators. No funding rounds, M&A activity, or expansion outside Lebanon are evidenced in the source data.

Name

Trust Compass Lebanon

Legal name

Trust Compass Insurance S.A.L.

Website

https://trustlebanon.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1–10 employees

Short description

Trust Compass Insurance S.A.L. is a Lebanon-based multi-line insurance carrier founded in 1991, underwriting personal and business insurance across motor, medical, life, property, and specialty lines through nine domestic branches, digital self-service tools, and a TPA-integrated medical claims network.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Product Liability (FSAJADAC), Network Security & Privacy Liability (Third-Party) (FSAJAOAE)

Keywords

• Personal insurance lines
• Business insurance programs
• Motor vehicle coverage
• Medical insurance plans
• Marine and engineering insurance

Headquarters

HQ city

Beirut (Hamra)

HQ country

Lebanon

HQ region

Middle East

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Insurance Premiums: Recurring premiums from individual customers covering motor vehicle, medical, life, personal accident, travel, expatriate, and liability insurance products.
2. Business Insurance Premiums: Group/corporate insurance programs including medical, motor fleet, life, property, engineering, money, liability, marine, and financial/special lines insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Trust Compass Insurance SAL underwrites and distributes personal and commercial insurance products across Lebanon, including motor, medical, life, personal accident, personal liability, expatriate, travel, property, engineering, money, liability, marine, and financial/special lines coverages. Coverage is delivered through a 9-branch domestic network combined with online premium calculators, 24/7 phone/digital claims support, and a Third-Party Administrator (TPA) system enabling cashless medical admissions at contracted network providers.

Product overview

Trust Compass Lebanon offers a comprehensive insurance platform providing both personal and business insurance products. Personal insurance includes Motor Vehicle Insurance, Medical Insurance, Life Insurance, Personal Accident, Personal Liability, Expatriate Cover, and Travel Insurance. Business insurance encompasses Group Medical and Life Insurance, Property Insurance, Engineering Insurance (CAR, EAR, Machinery Breakdown), Money Insurance, Liability Insurance (Public, Professional, D&O, etc.), Marine Insurance (Cargo, Hull, P&I), and Financial & Special Lines (Cyber, Fine Arts, Events). The company operates an online portal with premium calculators for Motor and Medical insurance, supported by a Third-Party Administrator (TPA) system for claims processing. Established in 1991, Trust Compass Insurance SAL is a member of Trust Holdings Group with operations across Lebanon through multiple branch offices.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Vehicle Insurance (Personal) Personal motor vehicle coverage for individual vehicle owners offering Third-Party Liability (TPL), comprehensive, and total loss protection, with optional add-ons including roadside assistance, replacement car, agency repairs, personal accident cover, glass cover, and riot/strike/civil commotion coverage.
• Medical Insurance (Personal) Comprehensive personal medical coverage including in-hospital care (room, surgery, ICU), outpatient care, maternity and chronic conditions, emergency services, ambulance, and prescription medicine with access to trusted providers across Lebanon.
• Life Insurance (Personal) Personal life protection including Pure Protection (Term Life) for high coverage at affordable premiums and Education Life Policy for structured long-term milestone planning for family/children.
• Personal Accident Insurance Coverage for accidental death and permanent disability, temporary total disability with weekly benefits, accident medical expense reimbursement, and hospital cash income, with optional riders for critical illness, disability, and waiver of premium.
• Personal Liability Insurance Coverage for bodily injury or property damage to third parties, legal defense costs, and optional domestic staff and pet liability coverage, with optional personal commercial liability for side businesses or consultancy activities.
• Expatriate Cover Tailored insurance bundle for expatriates meeting Lebanese authority requirements, bundling medical insurance (in/outpatient), life insurance with regulation-specified sums insured, and repatriation services (medical evacuation and mortal remains).
• Travel Insurance Travel coverage including emergency medical expenses and hospitalization abroad, trip cancellation or curtailment, lost luggage and travel documents, and personal liability while traveling, including Schengen Zone coverage.
• Medical Insurance (Business/Group) Group medical insurance providing inpatient, outpatient, prescription medicine, and doctor's visits with lifetime guarantees, local provider networks, dental/optical riders, and home nursing options for employees of corporate clients.
• Motor Vehicle Insurance (Fleet/Business) Fleet motor insurance covering third-party liability, own damage, theft, fire, and natural perils for businesses with multiple vehicles, including roadside assistance, agency repairs, replacement vehicle, and driver personal accident add-ons.
• Life Insurance (Group/Business) Group life insurance covering death from any cause, accidental death, permanent disability, and critical illness riders, with customizable sums insured and simple enrollment for employer-sponsored programs.
• Property Insurance Business property coverage including Property All Risks, Fire and Allied Perils (fire, lightning, explosion, riots, impact damage, burst pipes, storm, flood, earthquake), and Industrial All Risks with optional business interruption and machinery breakdown cover.
• Engineering Insurance Construction and technical asset insurance including Contractors' All Risks (CAR), Erection All Risks (EAR), Machinery Breakdown, Contractor's Plant and Equipment, Electronic Equipment Insurance, Deterioration of Stock, Consequential Loss (Delay in Start-Up), and Inherent Defects coverage.
• Money Insurance Cash and valuables protection including Cash in Safe (from approved safes), Cash in Transit (between premises/sites/banks/ATMs), Fidelity Guarantee Insurance (employee dishonesty), and Banker's Blanket Insurance.
• Liability Insurance Comprehensive liability coverage including Public Liability, Workmen's Compensation, Professional Indemnity, Products Liability, Directors and Officers (D&O), School Liability, Marina Liability, Lifts Liability, Freight Forwarders Liability, Oil & Gas Liability, and Political Violence.
• Marine Insurance Marine coverage including Marine Cargo / Oil & Gas Transport Insurance (all-risk or named-perils, ICC A/B/C), Marine Hull & Machinery Insurance (physical damage, collision liability), Leisure Boats Insurance, and Protection and Indemnity (P&I) for shipowners and charterers.
• Financial & Special Lines Insurance Specialized coverage including Cyber Risks Insurance (data breach, ransomware, business interruption), Event Cancellation & Abandonment, Fine Arts (museum-grade cover for collections), and TV/Films production insurance for commercial clients.
• Online Premium Calculators Web-based insurance premium calculators for Motor Vehicle Insurance and Medical Insurance (Perpetual and Protect plans) enabling prospective customers to estimate policy costs online before purchasing.
• Third-Party Administrator (TPA) Claims Service Claims processing system monitored by a Third-Party Administrator, enabling cashless admission for covered surgeries at network hospitals without upfront payment, plus 24/7 multi-channel claims intake (phone, WhatsApp, online form).

Quantifiable outcome

• Minor repairs can be approved within hours through approved garage network
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Nest Investments (Holdings)coreOthers · 1 January 1991Trust Compass Insurance SAL is a member of Nest Investments (Holdings) / Trust Holdings Group. Since its founding, Trust Holdings has provided services to subsidiaries and affiliated companies while managing investments. The Group has networks expanding into Europe, Africa, and Asia. Trust Compass follows the Trust Holdings philosophy of building trust-based relationships and delivering high-quality products and exceptional customer experiences.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MetLife Lebanon: MetLife operates a life, health, and personal accident franchise in Lebanon through direct and group channels. Trust Compass's personal life (term life, education policy), personal accident, and group medical/life products directly overlap with MetLife Lebanon's offerings to individuals and corporate employers.
• Bankers Assurance SAL: Bankers Assurance is a Lebanese insurance carrier providing motor, medical, fire, life, and liability coverage with a similar dual focus on individuals and corporate group programs. It competes head-to-head with Trust Compass in the Lebanese personal and commercial lines market.
• Libano-Suisse Insurance Company: Libano-Suisse is a long-established Lebanese multi-line insurer offering motor, medical, life, fire, marine, and engineering coverage to individuals and businesses. It is one of Trust Compass's closest domestic peers, serving the same Lebanese customer base with a comparable multi-line product portfolio.
• Mediterranean & Gulf Insurance Group (MedGulf): Mediterranean & Gulf Insurance Group is a Lebanon-headquartered multi-line insurer offering motor, medical, life, property, marine, and engineering coverage across the MENA region. It is a direct competitor to Trust Compass in the Lebanese market and a regional peer in commercial and specialty lines.

Broad incumbents

• AIG MENA: AIG operates across the MENA region offering commercial property, marine, liability, financial lines, and specialty coverage. It competes with Trust Compass for Lebanese and regional corporate accounts in engineering, marine cargo, D&O, and financial/special lines.
• Zurich Insurance Middle East: Zurich operates general insurance businesses across the Middle East with focus on commercial property, motor, engineering, and liability. It is a relevant peer for Trust Compass's corporate and specialty book, especially for multinational corporates with Lebanese operations.
• Allianz SNA (Lebanon): Allianz operates in Lebanon via SNA, offering personal and commercial insurance including motor, health, property, and engineering. As a global carrier with strong reinsurance and brand, Allianz SNA competes with Trust Compass for Lebanese corporate group business and high-net-worth personal lines.
• AXA Middle East (AXA Insurance Egypt): AXA operates a multi-line insurance franchise across the MENA region including Lebanon, offering motor, health, life, property, and specialty lines to both individuals and corporates. It directly overlaps with Trust Compass's personal and business insurance product set and competes for the same Lebanese corporate accounts.

Regional players

• Walaa Cooperative Insurance: Walaa is a Saudi-listed multi-line insurer offering motor, medical, property, marine, engineering, and liability coverage. It is a regional peer whose product breadth and corporate focus parallel Trust Compass's commercial insurance book and provide a benchmark for specialty line growth across MENA.
• Bupa Arabia: Bupa Arabia is a leading health insurance specialist in the region with TPA-integrated claims and direct-billing hospital networks. Its TPA model and focus on medical coverage mirror Trust Compass's TPA-led medical offering, making it a relevant regional benchmark for Trust Compass's medical book.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trustlebanon

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Trust Compass Lebanon