The Cooperative Insurance Consultancy Co. Ltd. (CIC) was established in Panama in the year of 1986 by our President Robert J. Bahou, one of the Middle East's foremost authorities on insurance and government related insurance affairs. Established with the vision of providing professional risk management and insurance consultancy solutions, CIC today is a MENA market leading insurance, enterprise risk management and loss mitigation specialist working with organizations of turnover of $50 Billion and more to identify, assess, control, and transfer their risk exposures to more economic risk financing options whether conventional or alternative.