Mining & Quarry Insurance
All-risk coverage for open-pit and underground mining operations across Zambia's Copperbelt and North-Western Province. We cover property damage, business interruption, and environmental liability with policies tailored to the specific extraction methods and ore types at your site.
- Open-pit & underground cover
- Business interruption
- Environmental liability
- Tailings dam coverage
- Contractor liability
- Regulatory compliance cover
Precious Metals & Gemstones
Specialised all-risk coverage for copper cathodes, gold bullion, emeralds, and cobalt from extraction to final delivery. Our policies cover mysterious disappearance, transit by road and air, vault storage, and processing facility coverage with valuations in ZMW or USD.
- Mysterious disappearance
- Inland & air transit
- Vault & storage cover
- Processing facility cover
- ZMW & USD valuations
- Armed escort transit
Cargo & Marine Transit
Inland and marine cargo insurance for shipments via Dar es Salaam, Durban, Walvis Bay, and Beira. We cover container, bulk, and break-bulk shipments with ICC A, B, and C clauses. War risks and SRCC (Strikes, Riots, Civil Commotion) available for high-risk corridors.
- ICC A, B, C clauses
- War & SRCC cover
- Container & bulk cargo
- Cross-border transit
- Warehouse-to-warehouse
- Delayed shipment cover
Plant & Equipment
Heavy machinery insurance for excavators, haul trucks, processing plants, crushers, and drilling rigs. Covers breakdown, fire, theft, accidental damage, and consequential loss. We understand the lead times for replacement parts in Zambia and structure policies accordingly.
- Machinery breakdown
- Fire & explosion
- Theft & vandalism
- Consequential loss
- Downtime cover
- Hire of replacement plant
Property & Liability
Comprehensive property cover for mine offices, warehouses, processing facilities, and accommodation camps. Includes public liability, employer's liability, and environmental impairment. We also cover contractors' all-risk for construction and expansion projects.
- Buildings & contents
- Public liability
- Employer's liability
- Environmental impairment
- Contractors all-risk
- Erection all-risk
Group Life & Medical
Employee benefits for mining workforces including group life, personal accident, and medical cover. Tailored for both expatriate and local employee schemes. We understand the medical evacuation requirements for remote mine sites and structure coverage accordingly.
- Group life assurance
- Personal accident
- Medical evacuation
- Expatriate & local schemes
- Disability cover
- Funeral benefits