Shikhar Insurance Company Ltd. (SICL) is a publicly-listed general insurance company established in 2004. It holds 14% market share of total industry premium and 18% market share of total number of policies. With regard to its microinsurance products, SILC offers livestock, poultry and crop insurance under the agriculture insurance line of business. These products are enjoying up to 75% subsidy on premium from the government. Its main target group are farmers and their families who are policy holders of Shikhar’s agriculture insurance.