The Universal Insurance Company Limited – a part of Bibojee Group of Companies was established by an eminent industrialist the late Lt. Gen. R. M. Habibullah Khan Khattak . This Company entered into insurance market in 1960. The company is fully protected through its world renowned re insurers among are: –

  •  Asian Re

  •  Pakistan Re-Insurance Company

With the vast and diversified reinsurance arrangements the Universal Insurance Company is able to underwrite risks of heavy magnitude. For larger industrial risks Company has standing facultative reinsurance arrangements with local insurance companies. Further – more Company’s policy to provide prompt service coupled with excellent claim settling record of about four decades “ Universal” has been chosen by large industrial units for providing them efficient technical insurance services.

This clientage includes Textile/Spinning Mills, Flour Mills, Sports and Surgical Manufacturers, Garment Factories, Sugar Mills, Ghee Industries, Automobile and various other industrial projects the number of which runs over fifteen thousand. Amongst these some industrial Projects are: –

  •   General Tyre & Rubber Company of Pakistan

  •   Ghandhara Nissan Limited

  •   Ghandhara Industries Limited

  •   Bannu Woollen Mills Limited

  •   Janana De Malucho Textile Mills Ltd

  •   Babri Cotton Mills

  •   Rehman Cotton Mills

  •   Highnoon Laboratories

  •   Mahar Group of Companies

  •   Fircos Industries (Pvt.) Ltd

  •   Mari Gas Company Limited

  •   Attock Refinery Limited

  •   Saif Group of Companies

  •   Younus Brothers

  •   S.A. Brothers

  •   SAGA Group of Companies

  •   Sublime Group of Companies

  •   Friends Textiles Mills

  •   Friends Spinning Mills

  •   Imran Textile Mills

  •   ARC Knitwear (Pvt.) Ltd

  •   Talon Sports (Pvt.) Ltd

  •   Kampala Industries (Pvt.) Ltd

We are on approved panel of local and foreign Banks/Financial Institutions/Leasing Companies and Modarabas etc. With reasonable bank limits, which enable us to underwrite risks of heavy magnitude.



We, at Universal Insurance Company Limited recognize the importance of satisfying our customers by consistently providing quality insurance service in accordance with their needs and expectations. We strive to be competent partner of our customers against insured perils.


We strive to provide our customers cost effective insurance cover by continually increasing the productivity of our employees. To increase productivity, we conduct regular training programs during which employees are assessed and allocated a career path in accordance with their performance.

We diligently follow the applicable laws and ensure strict compliance by conducting regular internal audits and educating our employees about the law.

We try to improve our services by continually assessing our systems and procedures bases on customers and team feedback. We strive to maintain a customer focused approach by ensuring that our service is delivered to the customer on time, according to the customer required specifications and with in our stipulated cost.



The Universal Insurance Company Limited
Universal Insurance House
Lahore, Pakistan – 54000


(042) – 37353458 / 37324194