Business Insurance

Enterprise-grade protection.

Safeguard your assets, protect your employees, and fuel growth with confidence. Commercial cover built for the Zambian business landscape.

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10+

YEARS TRUSTED

16+

Insurer partners

Mining · Construction · Retail · Hospitality · Professional Services · Finance · Transport

Products

Built for every business

The four standard classes of commercial general insurance - pick one or bundle them all.

Legal Requirement

Employers Liability

Indemnity for legal liability to pay damages for bodily injury, death, disease, or illness sustained by any employee arising out of and in the course of their employment. Mandatory for all employers in Zambia.

Legal defence costs
Compensation awards
Occupational disease & illness

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Public Liability

Covers your legal liability to third parties for bodily injury, death, and property damage arising from your business activities. Limit of indemnity applies per occurrence.

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Professional Indemnity

Protects professionals against claims alleging negligent acts, errors, or omissions in their professional capacity - covering legal costs and damages awarded.

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Comprehensive Motor Insurance

Commercial vehicles - goods carriers, passenger vehicles, agriculture & forestry vehicles, and special types. Covers loading/unloading and trailer liability.

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Why businesses across Zambia trust Insizwe

We combine deep local knowledge with broad product expertise to give your business the protection it deserves.

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Industry expertise

Cover designed and priced specifically for each sector we serve.

Fast turnaround

Receive tailored quotes prepared for you after submitting your details.

Dedicated account manager

One single point of contact who knows your business inside out.

Regulatory compliance

All policies meet Zambian Insurance Commission requirements.

How it works

How commercial cover works

Submit your details

Provide basic business information and your risk profile.

Risk assessment

Our specialists review your operation and coverage requirements.

Receive your quote

Tailored policy options prepared for you.

Cover activated

Policy issued and your business is fully protected.

Cover starts as soon as your policy is confirmed.