One Broker for Every Insurance Need
Core Covers
Everyday Protection
Whether you drive a family car, run a commercial fleet, or ride a motorcycle, we place your cover with the insurer offering the strongest terms for your risk profile. Options range from statutory third-party cover to full comprehensive protection.
- Comprehensive & third-party cover
- Private, commercial & fleet vehicles
- Motorcycles and specialist vehicles
- Windscreen, radio & riot extensions
- Fast claims advocacy after accidents
Individual and group medical cover providing world-class services for outpatient, inpatient, and specialist care. We also provide scheme administration and management services for employers who do not seek ordinary health insurance — using our seamless, client-focused system and integrated medical access platform.
- Individual & family medical plans
- Group / corporate employee schemes
- Outpatient, inpatient & specialist care
- Chronic medication & maternity benefits
- Health scheme administration for employers
Protect the people who depend on you. We arrange group and individual life cover, funeral policies, and credit life assurance — matched to your family or workforce needs from across the full insurer panel.
- Individual & group life assurance
- Funeral cover for families & staff
- Credit life for loans & mortgages
- Keyman & business continuation cover
- Beneficiary claims support
Business Risk
Commercial & Specialist Covers
From family homes to commercial complexes, we arrange cover against fire, theft, storm, flood, and structural damage — with valuations and sum-insured guidance so you are never under-covered.
- Residential & commercial buildings
- Fire, lightning & explosion
- Theft, storm, flood & impact damage
- Contents & business interruption add-ons
- Landlord & tenant liability options
Moving goods across borders or across town carries risk. We arrange marine cargo and goods-in-transit cover for importers, exporters, and logistics operators — port to door.
- Import & export cargo cover
- Goods-in-transit (road, rail, air)
- Warehouse-to-warehouse clauses
- Single shipment or annual open cover
- Claims support for cross-border losses
Farming is the backbone of Zambia — and one of its most exposed sectors. We arrange crop, livestock, and farm infrastructure cover tailored to local growing seasons, weather risk, and market realities.
- Crop insurance (weather & multi-peril)
- Livestock mortality & disease cover
- Farm buildings, machinery & irrigation
- Smallholder & commercial farm programmes
- Seasonal risk advisory
One incident can put everything you have built at risk. We arrange public liability, employers' liability, and professional indemnity cover so your business can operate — and grow — with confidence.
- Public & products liability
- Employers' liability / workers' compensation
- Professional indemnity for practitioners
- Directors' & officers' liability
- Legal defence cost cover
Travel, Guarantees & Schemes
Support Beyond the Policy
Construction and industrial projects face complex, high-value risks. We arrange contractor's all-risk, erection all-risk, machinery breakdown, and infrastructure project cover for contractors and project owners.
- Contractor's all-risk (CAR)
- Erection all-risk (EAR)
- Machinery breakdown & loss of profits
- Plant & equipment cover
- Project-specific structured programmes
Travel with confidence. We arrange domestic and international travel cover for individuals, families, and corporate travellers — medical emergencies, cancellations, baggage, and more.
- Emergency medical & evacuation
- Trip cancellation & curtailment
- Baggage & personal effects
- Corporate & group travel policies
- Schengen-compliant certificates
Win and secure contracts with the right guarantees behind you. We arrange performance bonds, bid bonds, advance payment guarantees, and customs bonds for businesses and contractors.
- Bid / tender bonds
- Performance & retention bonds
- Advance payment guarantees
- Customs & warehousing bonds
- Fast turnaround for tender deadlines
For employers who prefer to self-fund staff healthcare rather than buy conventional health insurance, Timecare administers and manages the entire scheme — enrolment, provider network access, claims adjudication, and reporting — on our seamless, client-focused, integrated medical access platform.
- Self-funded employer scheme design
- Member enrolment & card issuance
- Provider network & medical access platform
- Claims adjudication & fraud control
- Utilisation reporting for HR & finance
Downloadable product fact sheets (PDF) for each class will be added as they are released.
Who We Serve
Cover for Every Kind of Client
Individuals & Families
Personal motor, health, life, travel, and home cover tailored to your budget.
SMEs
Practical, affordable protection for growing businesses — assets, liability, and staff.
Large Corporates
Structured programmes, employee benefits, and complex risk placement.
Institutions
Government and institutional insurance programmes with full compliance support.
Not sure which cover you need?
Tell us about your situation — our brokers will recommend the right protection, independently.