THI Insurance (Pvt) Limited provides insurance to individuals, corporates and partnerships, and maintains an enviable record of reliability in claims settlement. In addition to its core business of tobacco hail and wind insurance for over 77 years, the company has expanded its range of services to include general short-term insurance products to meet the needs of a growing client base. THI is focused on delivering specialist insurance and valuable expertise, supporting significant and added value business insurance solutions.


Established in 1938, THI started as a tobacco grower’s co-operative scheme, originally providing tobacco hail insurance, and has developed into a professional multi-line insurance company. THI is also rated BBB- by the Global Credit Rating Agency (GCR).

Since June 2015, the direction of the company has taken a different course, with an employee ownership structure, reinforced by support from experienced independent directors, backed by sound financial investment and expertise.

THI shareholders remain committed to building a legacy of service excellence and observe strict corporate governance principles.