Our services
Insurance, arranged around you.
From your first car to a nationwide fleet, from a family home to a manufacturing plant — we arrange general, life and health insurance from a panel of Zambia’s leading insurers, and we explain every option in plain language.
Protect what you own
Vehicles, buildings, goods and harvests — the physical things your life and livelihood depend on.
Motor Insurance
Comprehensive and third-party cover for private cars, commercial vehicles and entire fleets on Zambia’s roads.
- Comprehensive cover
- Third party, fire & theft
- Third-party only
- Fleet policies
Fire & Engineering
Fire, allied perils and engineering cover for residential and commercial properties, plant and construction projects.
- Fire & allied perils
- Business interruption
- Contractors’ all risks
- Erection all risks
Property Insurance
Cover for homes, household contents and offices, including fire and business interruption.
- Fire & business interruption
- Office comprehensive
- House owners
- Householders
Marine & Transit
Goods in transit, cargo and hull cover for importers, exporters, transporters and boat owners.
- Goods in transit
- Marine specific
- Single inland transit
- Marine open cover
Agriculture Insurance
Crop, livestock and game-ranching cover for commercial and emerging farmers.
- Crop insurance
- Livestock insurance
- Game ranching
Protect your business
Liability, contracts and the everyday exposures that come with running an organisation.
Liability Insurance
Professional indemnity, directors’ & officers’, public, employers’ and cyber liability cover.
- Professional indemnity
- Directors’ & officers’ liability
- Employers’ liability
- Public liability
Bonds & Guarantees
Bid bonds, performance guarantees and other surety instruments for contractors and suppliers.
- Bid bonds
- Performance bonds
- Advance payment guarantees
- Retention bonds
Accident & Specialty
All risks, personal accident, money, burglary and fidelity guarantee cover.
- All risks
- Personal accident
- Money insurance
- Burglary insurance
Risk Management
Risk advisory and on-site risk surveys that reduce losses before they happen.
- Risk advisory
- Risk surveys
- Insurance programme reviews
Protect your people
Life, health and long-term financial security for you, your family and your team.
Life & Assurance
Life, savings, education, funeral, term, keyman and travel assurance.
- Individual life assurance
- Whole life assurance
- Term assurance
- Savings & education policies
Medical & Health
Private medical cover for individuals, families and employee groups.
- In-patient cover
- Out-patient benefits
- Chronic conditions
- Dental & optical
Good to know
Questions we’re often asked.
Can’t find your answer? Call us on +260 977 769 071 — we’re always happy to talk.
Does using a broker cost more than going direct?
In most cases, no. Brokers are usually paid a commission by the insurer that is already built into the premium, so you typically pay the same — and often less, because we compare and negotiate across several insurers on your behalf.
Which insurers do you work with?
We work with a panel of licensed insurers in Zambia, including Professional Insurance, Hollard, Madison General Insurance, NICO Insurance, SES, Prudential, Sanlam and Veritas General Insurance, among others. We choose the insurer that best fits each client’s needs.
Are you regulated?
Yes. Symmetric Insurance Solutions Limited is licensed by the Pensions and Insurance Authority as an insurance broker, Licence No. 2023/IB/25.
What happens when I need to make a claim?
Call or message us as soon as possible. We tell you exactly what documents are needed, lodge the claim with the insurer on your behalf and follow it through to settlement, keeping you informed at every step.
Can you review the policies I already have?
Absolutely. We regularly review existing insurance programmes to identify gaps, overlaps and under-insurance, and we will tell you honestly if your current cover is already right for you.