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Madison General Insurance Company Zambia Ltd

Madison General Insurance has been the insurer of preferred choice since 1992. With a rich portfolio of satisfied clients and a growing list, they boast a presence in 6 out of 10 provinces in Zambia and plans are underway to increase our customer touch-points through more branches and mobile offices. Madison's claims payment period is comparable to none in the industry coupled with unprecedented quality customer service. You do not just buy insurance with Madison, you earn the right to a peace of mind.

Business general Insurance

Madison General has an excellent management and underwriting team that is well respected in the insurance market. Their combined skills in insurance company management and insurance underwriting, coupled with the company's high standard of service and excellent reputation have given the company a lead Zambia.


Comprehensive policy holders are covered in the following circumstances:

  • Accidental /fire damage to your vehicle
  • Loss of vehicle or spare parts / accessories
  • Protection and removal after accident
  • Third party liabilities (damage to property, death or injury)
  • Riot and strike cover (non-political)
  • Medical expenses cover up to a stated limit (private cars only)
  • Personal accident cover for insured and spouse up to a stated limit (private cars only)
  • Authority to repair damage to vehicle up to a stated limit.

Full Third Party Fire And Theft

This policy covers:

  • Loss or damage caused by fire
  • Lighting
  • Explosion
  • Theft, or attempted theft.
  • Third party liabilities (property, death and / or injury).

Motor Traders

Internal And External Policies

  • These policies cover motor vehicles which are in the custody/ care of motor traders against:
  • Accidental / fire damage to the vehicle
  • Liability to third parties
  • Theft of vehicle.

Madison General Insurance Company Zambia Ltd · Business general Insurance

Personal general insurance

Buy your house and motor insurance online by logging onto Madison portal. and have your documents delivered to your doorstep. Madison General deliver countrywide. Madison General provides comprehensive cover at a favorable rate for home and car insurance.

Madison General Insurance Company Zambia Ltd offer a wide range of benefits that you can enjoy including:

  • Motor and Home insurance on the go
  • Door-step documents delivery
  • Door-step property inspections
  • Flexible payment terms
  • Special discounts
  • Escape quarter end queues
  • Buy insurance on behalf of your family and friends

Madison General Insurance has a team of account managers ever willing to attend to all their customers, they are well groomed, very professional and offer over the top customer service.

Madison General Insurance Company Zambia Ltd · Personal general insurance

Business liability insurance

Casualty insurances are generally designed to cover rights and interests rather than assets. The various policies under the casualty department include the protection of your business and your employee, the public, burglary, fraud, accident, directors' and officers liability, professional indemnity

Employer's liability

This policy covers your legal liability as an employer for death, bodily injury or disease caused during the period of insurance to an employee arising out the course of his employment.

Public liability

This policy covers all sums which the insured shall become legally liable to pay as damages (including all litigation expenses incurred but only with the consent of the insurers) arising from:

  • Accidental death of or bodily injuries to,
  • Illness or disease contracted by, and
  • Accidental loss of or damage to property belonging to members of the public arising anywhere in connection with business.

All risks

This policy covers accidental loss or damage to insured items from any cause other than those specifically excluded on the policy. It usually applies to high valued portable items.


This policy covers loss of or damage to property/ contained in the business premises through forcible and violent entry into or exit from the premises. It also covers damage to premises in the course of the theft or any attempt thereafter up to a stated limit.

Fidelity guarantee

This policy covers direct financial loss sustained by you as a result of fraud or dishonesty of your permanent employee (s), which results in dishonest personal financial gain for the employee (s) concerned.

Group personal accident

This policy covers accidental bodily injury/death to the insured employees caused solely through external violent and visible means and where such injury prevents the employee from performing normal duties. This policy usually covers permanent employees but can also cover casual employees on request.

Individual personal accident

This policy covers accidental bodily injury /death caused solely through external violent and visible means to individuals (whether employed or not).


This policy covers loss of money belonging to the insured whilst such money is in transit or on the insured's business premises. It may also cover:

  • Loss of or damage to safes and / or strong rooms used for the storage of money resulting from theft or any attempt thereat
  • Loss of money arising from a hold-up, robbery or any attempt thereat.

Professional indemnity

This policy will indemnify you (as the insured) against your legal liability for damages and claimant's costs and expenses in respect of claims for breach of professional duty

  • First made against you by reason of any neglect, error or omission
  • Occurring or committed in good faith and in connection with the conduct of the practice


This policy covers loss of or damage to glass situated at the insured's premises, the property of the insured

Medical malpractice

This policy covers the insured against their legal liability to pay compensatory damages (including claimant's costs and defense costs) for bodily or mental injury to, illness, disease or death of any patient caused or alleged (other than by the insured) to be caused or alleged by malpractice arising out of the Business/profession.

Directors' and officers liability

This policy covers you as the insured against your legal liability for loss/damage resulting from any wrongful act of your insured staff in their capacity as director, officer or employee of the company except as specifically excluded.

Customer protection This policy covers hire purchase companies for goods which are the subject matter of a Hire purchase Agreement against loss or damage by accident arising from fortuitous circumstances not specifically excluded.

Madison General Insurance Company Zambia Ltd · Business liability insurance

Agriculture insurance

Madison General Insurance Company offers an agriculture package that is comprehensive in it cover. Specialist farm insurance cover across the agricultural industry. that can cover buildings and contents, large and small farms with a wide range of options for farm, household, livestock, employers public and product liability.

Crop Insurance

Covers loss or damage due to fire, lightning, storm, malicious damage, transit and theft of harvested crop whilst stored in the silo or building. The covers available include:

  • Crop comprehensive-covering hail, fire and lightning explosion, riot and strike and malicious damage fire and lightning
  • Only the following crops can be insured: maize, wheat, tobacco, soya beans, standing cane, cotton.

Livestock Insurance

Covers death of animals in respect of accidents illness and diseases and epidemics. Policies can be extended to cover theft, calving risks, etc. the cover is suitable for animals such as cattle, sheep, pigs, horses and poultry.


This is full package which provides cover for the following: Livestock, farm buildings, plant and equipment, household goods, motor, money, goods in transit and liabilities. For details on agriculture insurance, please contact Madison General Insurance Company through any of their offices.

Madison General Insurance Company Zambia Ltd · Agriculture insurance

Marine insurance

Having peace of mind while your goods travel from point of origin to your customers and partners is quite cardinal. Madison General Insurance Company presents you with a wide range of solutions that you need, to ensure your cargo is covered; shielding you from potential large financial losses to your business.

Goods in transit

This is an annual policy covering goods whilst in transit within Zambia against:

  • Loss or damage during actual transit and during loading and unloading of goods caused directly by fire, collision and overturning.
  • Theft or attempted theft from conveying vehicle
  • Cost of debris removal
  • Riot and strike (Non- political) at additional cost.

Single in-land transit

This is a single transit cover of goods within Zambia, which is terminated immediately goods are unloaded from the conveyance. Cover is against loses and damage to the goods causes not specifically excluded on the policy.

Marine open cover

This provides automatic cover for regular shipments to and from abroad on declaration basis, covers is against losses and damage to the goods from causes not specifically excluded on the policy.

Marine specific

This policy is issued to clients whose imports are irregular and it covers loses and damage to the goods from causes not specifically excluded on the policy.

Craft and motor

This provides loss or damage and third party cover to small vessels.

Madison General Insurance Company Zambia Ltd · Marine insurance

Construction insurance

Property insurance protects your tangible assets and equipment against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance.

Fire and allied perils

This product covers your property against:

  • Fire, lightning and explosion

The under-noted perils can be given at an additional cost:

  • Earthquake
  • Storm, tempest, flood
  • Aircraft or dropping aerial devices
  • Bursting or over-flowing of water tanks, apparatus or pipes
  • Malicious damage
  • Riot and strike (non-political)
  • Explosion (limited)

Fire Business Interruption

Provides against loss of profit due to reduction in turnover and increase in cost of working arising from an interruption of or interference with the business carried on by the insured at the premises.

  • Following loss/destruction or damage covered under the fire policy (material damage), to the property used by the insured.

Office comprehensive

Provides cover as in (1) above plus:

  • Theft, excluding theft of personal effects of the insured or his employee's
  • Accidental damage and loss/damage to office equipment and
  • Machinery while away from usual premises
  • Loss of documents
  • Loss of rent

House owners (covers residential buildings)

Provides cover as in (1) above plus:

  • Housebreaking or any attempt thereat
  • Theft or any attempt thereat of landlord's fixtures and fittings
  • Loss of rent

Householders (covers house contents)

Provides cover as in (1) above plus:

  • Theft accompanied by violent and forcible entry into or exit from the building.
  • Accidental damage and loss/damage to contents and effects whilst temporarily away from premises can be covered at an additional premium.

Electronic equipment all risks

Provides cover to computer equipment against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded on the policy.

Contractors all risks

Provides cover to all civil engineering works against:

  • fire, lightning and explosion
  • water damage and windstorm
  • earthquake
  • burglary and theft accompanied by violent and visible means of e
  • entry/exit (theft by employees not included)
  • accident damage and impact
  • third party liability risks if required

Plant all risks

Provides cover to plant against any unforeseen and sudden physical loss or damage from any cause not specifically excluded.

Erection All Risks

Provides Cover to individual machines, complete manufacturing complexes and steel structures which are being erected against unforeseen and sudden physical loss or damage resulting from-

  • fire and lightning
  • water damage and windstorm
  • earthquake, subsidence and collapse
  • burglary
  • impact
  • electrical and mechanical breakdown
  • accidental damage and faults in erection

Machinery breakdown

Covers any sudden and unforeseen physical loss or damage other than fire damage to machinery whilst on the premises, whether they are at work or at rest from any causes not specifically excluded.

Loss of Profits following Machinery Breakdown

Provides cover to the insured against loss of profits following a claim under machinery breakdown.

Boiler and pressure vessel

Provides cover against:

  • Damage other than by fire to any boiler or pressure vessel and to other property of the insured.
  • Damage to property not belonging to the insured
  • Fatal or non-fatal injuries to any persons other than the insured's own employees.

Deterioration of stock

Provides cover against loss of or damage to stock caused by deterioration, putrefaction or contamination due to any unforeseen and sudden physical loss of or damage to machinery indemnifiable under the machinery breakdown policy in force.


This policy is issued to individuals to cover the following up to stated limits/sums insured.

  • comprehensive motor insurance to private vehicles
  • domestic buildings
  • domestic contents
  • personal accident
  • personal liability
  • medical Expenses and
  • dog-bite

Madison General Insurance Company Zambia Ltd · Construction insurance

Engineering insurance

The term 'engineering insurance' can describe any type of insurance related to the erection of buildings and construction projects, including the building and operation of machinery. This policy safeguards engineering businesses to the risks faced by the ongoing construction and installation projects.

Madison General Insurance Company Zambia can underwrite insurance for you to cover the following situations.

  • Comprehensive liability insurance – professional indemnity, third party and environmental liability to cover professional advice, other peoples' property or injury to the public.
  • Construction all risk insurance – tailored combined commercial property and catastrophic cover for international construction projects.
  • Insurance for your plant and machinery including political violence and terrorism workers compensation schemes to cover local and expat workers.
  • Personal accident insurance.

There are two types of construction risks insurance. The first covers damage to property, for example, damage to buildings and other structures being constructed or to the existing building in which the construction is being carried out. The second covers liability for third party claims for injury and death or damage to third party property. The principle is that contractors' all risks insurance covers those losses not covered by an 'excluded peril'. For example some contracts exclude from cover risks such as defects due to 'wear and tear, obsolescence, deterioration, rust and mildew, loss and damage arising out of war and for faulty workmanship and faulty design'.

The benefit to the insured under this type of policy is that the burden is shifted to the insurer who, to resist the claim, is required to show that the cause of the loss falls within an exclusion. Engineering insurance can describe any of several types of insurance policies. This can describe any type of insurance policy related to the erection of buildings and construction projects, including the building and operation of machinery.

Construction projects and engineering often involve the use of heavy machinery and equipment that can pose a threat to the health of workers; insurance can protect engineering businesses from having to pay for such injuries if they occur. Engineering and construction companies must typically carry general liability insurance to protect against possible injuries that might occur as a result of engineering work. For example, if an engineer goes to a work site and accidentally damages the client's property or injures a worker employed by the client, general liability insurance could pay for costs that arise as the result of a lawsuit.

Madison General Insurance Company Zambia Ltd · Engineering insurance