Sagarmatha Lumbini Insurance Company Limited

Business & Products

• SALICO offers a wide range of general insurance products, covering individual and corporate needs: motor insurance, property insurance, engineering, marine, aviation, agriculture and micro‑insurance among others. 

• It has a strong national presence: more than 100 branches/offices across Nepal.

Strengths & Considerations

Strengths:

• Strong scale and brand following the merger, giving it competitive edge in Nepal’s general insurance sector.

• Diverse product portfolio and widespread branch network — helps in reaching both urban and rural markets.

• Good financial metrics, growth performance and credit rating bolster credibility and stability.

Considerations:

• As a newly merged entity, operational integration (systems, culture, processes) is likely still underway.

• The non‑life insurance business is inherently subject to underwriting risk, large claims (e.g., disasters), and investment returns — these remain areas to watch for SALICO.

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