HELPING YOU TO CHOOSEWHY USE THE SERVICES OF AN INSURANCE

Programme Designed or Tailor  Made Insurance Policies

Insurance being their profession, insurance brokers can design an insurance programme or tailor made insurance policies for clients with complex or huge risks so as to arrive at a better, more cost effective way to achieve the protection that the client needs.

Get Quote

Knowledge of the Insurance Companies within the Market

Insurance Brokers are part of the Insurance players in the market and we have detailed knowledge of the various insurance companies within the market.

WE ARE A PEOPLE'S INSURANCE BROKERNegotiating and Placing of Risks

Insurance Brokers ensure that all underwriting information and policy documentations are communicated with the insurers and insurance buyers respectively and thereby ensuring that there is contract certainty whose objective is a legally binding contract between the client (insured) and the insurer. Thus, insurance brokers ensure that there is clarity on:- What the Client (Insured ) wants from the contract; and What the insurer wants from the contract.

Claims Handling

Whether claim documentation is handled directly to the insurers or through the insurance brokers, insurance brokers will ensure that claims are handled speedily within agreed timelines by insurers in accordance with the insurance coverage provided.

Advocacy by insurance brokers in difficulty claim situations is always provided

Why Choose Us?

  • Knowledge of the Insurers: We have excellent knowledge of the Zambian Insurance Market players and we will provide advice when selecting your insurers;
  • Needs of the Buyer Insurances will be placed according to the insurance buyer’s protection needs – where there is need to tailor make policy coverages, we will follow-up with insurers for the benefit of our clients.
  • Loyalty We will reward loyal clients at every renewal through negotiated discounts on renewal premiums;

Fears that Insurance buyers need to clear when dealing through Insurance Brokers

There is no need to have this fear because whilst some insurance brokers will charge clients a fee for arranging an insurance policy, insurance brokers are traditionally remunerated by insurance companies.
Insurance is a legal contract and like any other legal contract could cost you millions without an expert helping you.

Insurers not dealing with insurance brokers often have substantially higher advertising budgets and these budgets are used to promote their products. Insurance companies using brokers use this money to pay the broker commissions. The insurance companies advertising budgets are lower because the brokers promote the products on their behalf.

In addition, the advice and assistance of an insurance broker will make sure that you are correctly insured – it is usually when you need to claim that the value of this advice becomes really important.

The Zambian Insurance Act makes insurance brokers fully accountable for their actions and the Pensions and Insurance Authority (PIA) and Insurance Brokers Association of Zambia (IBAZ) are there to ensure this happens.