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Professional Insurance Corporation Zambia Plc

This company is one of the leading general insurance companies in Zambia that covers a comprehensive range of business and personal general insurance classes including marine, aviation and incidental risks (but not life insurance cover). The corporation enjoys quality re-insurance support from the world's first, second, third and fifth largest re-insurers. Professional Insurance Corporation Zambia gives its customers the best package in line with their operations, structure and working environment.

Business general Insurance

Professional Insurance Corporation Zambia offers insurance cover for commercial property, business interruption, burglary and loss of money, glass, public liability, product liability, machinery, computers and other electronic equipment. With its vast experience, Professional Insurance identifies the risk associated with each business.

Since all businesses are unique, Professional Insurance Corporation Zambia has developed a wide selection of options and programs to meet various needs. The company can tailor a specialised package according to a customer's property, liability and casualty needs.

Commercial property insurance

This policy helps protect a building, as well as business and personal property, including tools and equipment, inventory, fixtures and fittings. It protects against loss, damage or theft. Professional Insurance Corporation Zambia has insurance options and optional extensions (such as legal liability cover) to suit various commercial property including:

  • Fire - Cover for physical loss of or damage to property from fire and explosion.
  • Public liability - Protects a company if found to be legally responsible for personal injury to a third party or damage to their property.
  • Glass and signs - Cover for the loss of or damage to glass windows, signs and showcases at business premises.
  • Money insurance - This policy is tailored to cater for the needs of companies in the business of moving or collecting money. A loss can occur either while at the business premises or in transit.
  • Church insurance - Customers can insure their church buildings and contents at very reasonable premiums.
  • Excess waiver insurance - This policy increases the certainty in the event of loss or accident. By paying for this policy, customers will not be required to make any contribution once the cover is taken up.

Commercial vehicles insurance

This policy provides cover for vehicles owned by a company, including goods carrying vehicles, passenger carrying vehicles, special types of vehicles like graders, excavators and ambulances, and agricultural and forestry vehicles like tractors, combine harvesters and planters. The cover is effective whether the vehicles are on the premises or being driven on the public highway.

Passenger cover

The recent introduction of passenger cover is due to the increased number of bus travellers resulting in claims for injury and baggage loss in the event of accidents.

Motor traders insurance

Designed for organisations that are involved in selling, servicing or repairing motor vehicles, this policy provides cover for risks of loss or damage to trade vehicles or customers' vehicles whilst under the organisation's care and custody. The cover is effective whether the vehicles are on the premises or being driven on the public highway, say for testing. Legal liability to the public can also be added to this policy.

Motorcycle insurance

This is cover for self propelled two wheelers or three wheelers including mopeds.

Business general Insurance

Professional Insurance Corporation Zambia Plc · Business general Insurance

Business liability insurance

Accidents happen on site, off site, with employees and with customers. Professional Insurance Corporation offers this policy to protect businesses against claims for income loss, bodily injury and property damage. A wide range of insurance plans are offered. These can be customised through the addition of relevant options.

Business liability insurance is designed to safeguard the livelihood of a business. An accident could result in a lawsuit that could kill the business. A way to protect against this type of situation is for a business to take out business liability insurance that adequately covers the risk.

Business liability insurance

Professional Insurance Corporation Zambia Plc · Business liability insurance

Agriculture insurance

Designed to suit the specific needs of farmers in Zambia, Pro-Agripak is a single, multiple-cover insurance policy. Professional Insurance offers this policy to ensure that farmers and their customers are protected when the unexpected happens.

As a specialist in the agriculture industry, Professional Insurance Corporation Zambia endeavours to create and maintain close working relationships with its customers. It ensures that it consistently provides an excellent level of friendly, personal service – not only when arranging the policy, but throughout the year, at renewal, and more importantly in the event of a claim. Professional Insurance's products and services are designed to focus on the specific needs of each unique customer.

Agriculture insurance

Professional Insurance Corporation Zambia Plc · Agriculture insurance

Marine insurance

This covers risk of loss or damage to cargo carried by road, rail, air or sea. Professional Insurance Corporation Zambia also offers this insurance package to overland transits with cross borders. For cargo transits within a country, goods in transit insurance is available.

For both marine and goods in transit (GIT) risks, the following policies can be arranged:

Marine cargo

Specific policies can be issued to customers whose imports and/or exports are not regular, including household goods and personal effects that are transported in or out of the country. Policies can be issued to cover specific consignments on a one-off basis.

Where a continuous flow of business is expected, Professional Insurance Corporation Zambia will recommend an open cover policy. This gives protection on a blanket basis and covers all the imports or exports of that customer from the date of inception of the contract. An open cover policy has the following advantages:

  • Forward cover at agreed insurance rates to help a customer budget in advance and fix prices accordingly
  • A working relationship between a customer and the insurer as the customer does not have to deal with any other insurance companies
  • The policy can be issued for one year only or on a permanent basis

Marine hull

Apart from insuring cargo, Professional Insurance also offers marine hull insurance. In this type of policy, the vessel itself is insured against loss or damage. Since Zambia is landlocked, the volume of this business is small but cover can be arranged on request.

Marine insurance

Professional Insurance Corporation Zambia Plc · Marine insurance

Personal general insurance

Professional Insurance Corporation Zambia offers this package to cover personal belongings against loss, theft or damage. This includes motor vehicles, houses and other possessions, and cover for individuals against various liabilities.

Motor insurance

In the event of an accident, loss or theft, Professional Insurance Corporation Zambia is committed to putting its customers back on the road in the shortest possible time, with minimal disruption to their daily life.

Property insurance

Professional Insurance Corporation Zambia offers this policy to protect an individual's home against damages to the house itself, or to possessions in the home due to fire, theft and other unforeseen circumstances. The policy also provides liability cover against accidents in the home or on the property. Professional Insurance Corporation Zambia ensures that its customers' home – their most valuable investment – is protected along with their personal possessions.

Passenger insurance

This policy protects individuals against various mishaps that could affect their trip or finances.

Personal general insurance

Professional Insurance Corporation Zambia Plc · Personal general insurance

Personal accident insurance

Since accidents can cause injury, disability or death, Professional Insurance Corporation Zambia offers this policy to help customers and their families pay for income loss, expenses incurred during treatment, transportation and accommodation. In the event of death, funeral expenses are also covered.

Professional Insurance Corporation Zambia offers personal accident cover to provide financial protection against injuries of all kinds, and death. The corporation is committed to providing relief to the injured person and/or family members from financial issues that arise with accidents.

Personal accident insurance

Professional Insurance Corporation Zambia Plc · Personal accident insurance