• Michael Rafter

    Michael Rafter is an innovative insurance executive with more than 26 years of experience covering various senior roles across the globe, with the past 11 years based in the UAE. Formerly the Head of General Insurance at Oman Insurance Company, Michael has a long career in underwriting in the Middle East and other emerging markets, having previously held senior roles at AIG. His career has spanned all aspects of commercial and consumer lines through general management, underwriting, brokerage and reinsurance.

    Group CEO

  • Hajar Fadel

    Hajar Fadel is an experienced insurance manager, having spent the last 8 years working for the insurance industry in MENA. Prior to joining Arma, Hajar was Executive Vice President – Executive Management for the largest insurer in the UAE, and managed partnerships with multinational insurers across lines of business. She has extensive experience in new market entry and expansion; and has launched first-to-market ventures across the Middle East.

    Prior to that, Hajar co-built the Insurance Practice for McKinsey & Company in the Middle East, and advised insurers and regulators across MENA.

    Senior Executive Officer

  • Simon Norton

    Simon Norton has worked in the London Market for 26 years, joining Asta in 2009.  Simon was appointed Director of Underwriting on 1 January 2014 having previously held the roles of Joint Director of Underwriting and Head of Underwriting Management.  Simon has extensive experience in leading and managing underwriting portfolios in both the London Company and Lloyd’s Market.  Prior to joining Asta, Simon worked at the Franchise Performance Directorate at Lloyd’s.


  • Patrick Choffel

    Patrick Choffel brings 47 years of international insurance experience, spending the last 17 years in the MEASA region. He has held a number of senior executive positions worldwide during his tenure with AIG. His last position with the Group was Regional President for ALICO in Dubai, UAE. In 2011, Patrick was appointed CEO of the largest insurance player in the UAE, and since June 2015, he is serving as a Board Member for a number of (re)insurance players in the region.

    Patrick has extensive experience in international expansion, both organic and inorganic, and in advising clients on growing / launching new operations in MENA.