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Basic information

Rock Insurance Brokers Ltd

Lusaka, Zambia

Established in 1994 Rock Insurance Brokers is duly licensed by the Pensions and Insurance Authority. This company helps individuals and businesses to identify their risks and insurance needs. Their team of staff has vast expertise and experience in the management of insurance both in the domestic and international market. Rock Insurance Brokers also acts as a correspondent broker for foreign brokers who want their clients doing business in Zambia to have local representation.

Personal general insurance

Rocks Insurance Brokers offers a wide range of personal general insurance products such as liability, property, home, and auto insurance. The company works with professional insurers to ensure your valuables, your family and lifestyle is sufficiently covered and protected.

Rock Insurance Brokers is now one of the leading insurance booking firms in Zambia and it enjoys the trust and confidence of all the insurance underwriting companies and pension fund managers who rate the company as a preferred source of insurance business and pension schemes. As a broker Rock Insurance Brokers does not have its own products or premium rate schedules but instead sells products of the concerned selected insurers and negotiates for equitable rates with these for the particular proposal. Rock Brokers insurance specialises in

  • Risk identification
  • Risk profiling and assessment
  • Advising risk management options
  • Negotiating insurance premium rates and terms
  • Placing insurance with the selected insurers
  • Receiving claim notifications, advising clients the required claim and processing documentation
  • Arranging property and risk surveys on behalf of clients and insurers
  • Issuing insurance cover documents, debiting premiums and collecting premiums on behalf of insurers

Fire and allied perils insurance policy This is a comprehensive policy designed to cover your home against tragedy. This policy provides coverage residential buildings, computers and electronic processing equipment and home content. Motor insurance If you are involved in an accident the damage to the other vehicle or any property is covered along with damage to your own vehicle as well as buses, trucks and motorcycles. Accident and miscellaneous policy This policy covers personal accident, burglary and theft, fidelity guarantee, loss of cash and all risks coverage. Rock Insurance Brokers also offers Life and Pension products such as

  • Group Life Assurance schemes (GLA)
  • Group Pension schemes
  • Group Medical ( Health ) schemes
  • Overseas Travel Insurance

International Businesses Rock Insurance Brokers can and has in the past worked as a correspondent broker for foreign brokers who want their clients doing business in Zambia to have local representation. Rock Insurance Brokers can also acts as an introducer of individual or group pension business, savings and investment plans and health insurance to offshore providers of these services.

Rock Insurance Brokers Ltd · Personal general insurance

Business general Insurance

Rock Insurance Brokers offers commercial and business insurance packages, these can be customized to suit the needs of your business. The company works with clients of all sizes to define, design, and deliver innovative solutions to manage risk including marine, transportation and agriculture.

Rock Insurance Brokers works with both it clients and its insurers in the following areas.

  • arranging property and risk surveys on behalf of clients and insurers
  • introducing pension schemes to fund managers and performing a pension administrator role
  • where requested by clients, insurers or other interested parties, arrange training workshops in insurance related subjects
  • issuing insurance cover documents, debiting premiums and collecting premiums on behalf of insurers.

Legal liabilities This insurance policy protects an individual or business from the risk that they may be sued and held legally liable for something such as malpractice, injury or negligence the policy coverage includes:

  • Public, products and general liabilities
  • Employers liability
  • Bonds and securities

Marine and transportation

  • Goods in transit – this policy provides protection against the loss of, or damage to, goods that are transported as part of your stated business activity.
  • Marine open cover – this Policy covers physical loss or damage to insured goods during transits by sea

Aviation hull and liability – this cover is against loss or damage to the hull, engines and accessories caused by perils of the sea, rivers, lakes or other navigable waters. It also covers loss by fire, theft, jettison, piracy, explosion and malicious acts. Agriculture insurance It covers all commercial field crops including wheat, maize, rice, tea crop, coffee, sugar cane, tobacco, all horticultural crops, floriculture and tree crops. Also covers farm assets and equipment including green houses and irrigation facilities.

  • Livestock – this policy provides coverage against losses due to accidental death, diseases of terminal nature.
  • Crop including multi peril – protects against crop yield losses by allowing participating producers to insure a certain percentage of historical crop production.

Business interruption This policy covers loss of gross profits a business suffers after a disaster such as deterioration of stock.

Rock Insurance Brokers Ltd · Business general Insurance

Pensions

Rock Insurance Brokers is now one of the leading insurance broker firms in Zambia and it enjoys the trust and confidence of all the insurance underwriting companies and pension fund managers who rate the company as a preferred source of insurance business and pension schemes.

As a broker Rock Insurance Brokers does not have its own products nor premium rate schedules but instead sells products of the concerned selected insurers and negotiates for equitable rates with these for the particular proposal. Rock Insurance Brokers also offers Life and Pension products Group Life Assurance schemes (GLA)

  • Set up as a single scheme that covers a group of employees within a business. Many companies offer group life insurance to employees as benefit and often based the level of cover (sum assured) on a multiple of the employee's salary.

Group Pension schemes

  • Group pension schemes are a type of defined contribution pension which some employers offer to their workers,which they then convert into an income at retirement.

Group Medical ( Health ) schemes

  • Health Insurance provides your employees with access to private healthcare Employees receive treatment when they need it most ensuring they are back on their feet as soon as possible. A highly valued benefit helping you to recruit and retain the best people whilst reducing employee absenteeism.

Overseas Travel Insurance

  • The main purpose of travel insurance is to cover you for the potentially high cost of medical treatment and repatriation if you are injured or fall ill abroad. This should include emergency medical treatment costs, including hospital charges and ambulance fees and returning you home.

International Businesses – Rock Insurance Brokers can and has in the past worked as a correspondent broker for foreign brokers who want their clients doing business in Zambia to have local representation. Rock Insurance Brokers can also acts as an introducer of individual or group pension business, savings and investment plans and health insurance to offshore providers of these services.

Rock Insurance Brokers Ltd · Pensions