Business Insurance

Your legal duty to your people, fully covered.

Employers liability insurance is a legal requirement in Zambia. It covers your legal liability for bodily injury, death, disease, or illness sustained by employees arising out of and in the course of their employment with you.

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ZAMBIA COMPLIANT

Lloyd's

Reinsurance backing

Why it matters: Employers liability cover protects your business against claims from employees who suffer injury or illness arising out of their employment, and is widely required under contracts and tenders.

Your common law duties

Four duties every employer owes their staff

Breach of any of these duties may make an employer liable to compensate injured employees. Employers liability cover protects you when a breach leads to a claim.

Safe Place of Work

An employer must provide premises and working environments that are free from foreseeable hazards.

Safe Tools of Work

Equipment, machinery, and tools must be fit for purpose, properly maintained, and appropriate for the task.

Safe People to Work With

Employers must take reasonable steps to ensure all staff are competent and do not pose a risk to colleagues.

Safe System of Work

Processes, procedures, and training must be in place to minimise foreseeable risks to employees.

Cover details

What employers liability covers

Full legal and financial protection against employee claims - so one workplace incident doesn't sink your business.

Legal Defence Costs

Full cover for legal fees, court costs, and expert witness fees incurred in defending an employee claim.

Compensation Awards

Damages awarded by a court or agreed in an out-of-court settlement - including pain & suffering, loss of earnings, and future earnings.

Occupational Disease

Claims arising from illness caused by long-term exposure to hazardous conditions at the workplace.

Workplace Injury

Protection against claims from employees injured during the course of their employment - including vicarious liability.

Extended Employee Definition

Most policies extend to self-employed persons, hired persons, and students on work experience - not just direct employees.

Claimants' Costs & Expenses

The employee's legal costs, if awarded against the employer, are included within the indemnity.

Why Insizwe

Industry-specific cover, not off-the-shelf

The right limit of indemnity depends on your headcount, industry risk profile, and payroll. We assess your operation properly so you're never under-covered when a claim arrives - and never paying for cover you don't need.

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Industry-calibrated limits

Cover amounts set based on your headcount, sector, and actual risk exposure.

Certificate issued promptly

Compliance documentation issued promptly - so operations are never delayed.

Dedicated account manager

One person who knows your business and handles every aspect of your policy.

Licensed Zambian broker

Cover placed with reputable, regulated insurers and reinsured through Lloyd's and Matrix Africa.

How it works

How to get employers liability cover

Submit business details

Provide your staff count, industry, payroll figures, and any claims history.

Risk assessment

We review your operation and advise on the appropriate indemnity limit.

Receive your quote

A clear, competitive quote prepared for you.

Certificate issued

Policy confirmed and compliance certificate issued immediately.

Cover starts as soon as your policy is confirmed.

Get a Quote

Frequently Asked Questions

Employers liability cover protects your business against claims from employees who suffer injury or illness arising out of their employment - claims that can carry significant legal and financial exposure. It is also widely required under contracts and tenders before you can take on work.