Protection, built on cooperation.
Kalkaal International Insurance
Kalkaal International Insurance is a licensed, 100% Shariah-compliant Takaful operator serving Somaliland and Somalia. Backed by the Dahabshiil Group, a name trusted in Somali finance for over 40 years, Kalkaal operates on the Takaful ethics of Tabarru' (voluntary donation), cooperation and mutual support among Participants.
A shared ambition. A clear purpose.
- 01
Our vision
To be the leading Takaful insurer of choice in Somaliland, Somalia and the wider region.
- 02
Our mission
To provide accessible, Shariah-compliant protection while encouraging Tabarru' and Ta'awun: mutual cooperation among our Participants.
Our values
- Shariah integrity: certified and audited by the Shariah Supervisory Board.
- Shared protection: risk pooling and equitable surplus distribution.
- Transparency and governance: clear disclosures and regular Shariah audits.
- Customer centricity: fair claims and accessible digital services.
- Innovation for inclusion: Community Takaful, parametric cover and diaspora solutions.
Governance and oversight
Kalkaal is a subsidiary of the Dahabshiil Group. The Shariah Supervisory Board issues fatwas, certifies products, oversees surplus distribution and conducts Shariah audits.
More about Kalkaal
Prefer to talk it through?
Leave your number and a Kalkaal advisor will call you back at a time that suits you, in your language.