Advice
Personalized
Experienced team providing expert guidance and tailors insurance plans that perfectly fit your needs.
Expert insurance.
Simplified.
No more confusion. Expert brokers simplify insurance for individuals and businesses. Get a free quote today.
- Classes of business
- 9
- Policies arranged
- 500+
- Quotations
- Free
About Clover
Simplifying insurance for individuals and businesses
Clover simplifies insurance. Our expert brokers craft customized solutions for individuals and businesses.
We leverage industry knowledge and strong insurer relationships to navigate complex landscapes. We prioritize long-term partnerships and go beyond quotes, ensuring smooth claims and ongoing support.
How we work
A broker sits on your side of the table
We understand that choosing the right insurance partner is crucial. We’re dedicated to providing exceptional service and exceeding your expectations.
Placement
Less Hassle
Clover negotiates on your behalf to secure the best coverage at competitive rates.
Partnership
Long Term
Building long-term relationships, providing ongoing support ensuring you have the right coverage.
What we cover
Nine classes of business
From a single vehicle to a farm, a fleet, a cargo or a construction bond — every class below is placed with our panel of insurers and quoted against your actual exposure.
Property & Casualty
5 covers
Protection for buildings, plant and stock, and for the income lost while damage is being put right.
Accident & Miscellaneous
4 covers
Cover for injury to people and for losses caused by the dishonesty of those you employ.
Specialty Insurance
5 covers
Cover for travel, and for portable, high-value or easily removed property.
Marine
2 covers
Cover for goods in transit, for the vessels that carry them, and for the liabilities that arise at sea.
Liability
2 covers
Cover for claims brought against you by third parties, including claims arising from professional advice.
Motor
2 covers
Cover for private and commercial vehicles, from statutory third party through to comprehensive.
Agriculture
4 covers
Cover for crops, livestock and yield, including weather index parametric products.
Surety & Bonds
3 covers
Guarantees that support tendering, contract performance and banking obligations.
Life & Health
4 covers
Cover for individuals, families and staff, from medical schemes through to keyman protection.
What cover is for
The day it goes wrong
Insurance is bought long before it is needed and judged entirely on the day it is. That day is the whole point of getting the wording right.
Flood and storm
A street goes under, and takes the vehicles with it
Flood is not automatically included. Whether the building, the stock and the vehicle each respond depends on three separate wordings — which is the conversation to have before the rains, not after.
Fire and business interruption
A trading district burns overnight
Rebuilding is only part of it. Business interruption answers for the trading lost while you are shut, debris removal for clearing the site, and professional fees for the people who put it back.
Insurers
The market we place in
As brokers we are not tied to one insurer. We approach the market on your behalf and put the terms side by side. Below is every general and long-term insurer licensed to write business in Zambia.
General insurers
Non-life · 23
- A Plus General Insurance Limited
- Adelvis General Insurance Limited
- Advantage Insurance Limited
- Africa Pride Insurance Company
- African Grey Insurance Limited
- Discover Insurance Company Limited
- General Alliance Insurance Zambia Limited
- Golden Lotus Insurance Company Limited
- Goldman Insurance Limited
- Hollard Insurance Zambia Limited
- Indigo General Insurance Limited
- Innovate General Insurance Limited
- Klapton Insurance Zambia Limited
- Madison General Insurance Company Zambia Limited
- Mayfair Insurance Company (Z) Limited
- Meanwood General Insurance Limited
- Nico Insurance Zambia Limited
- Phoenix of Zambia Assurance Company (2009) Limited
- Professional Insurance Corporation Zambia PLC
- Savenda General Insurance Limited
- Swan General Insurance Company Zambia Limited
- Veritas General Insurance PLC
- ZSIC General Insurance Limited
Long-term insurers
Life · 10
- ABSA Life Zambia Limited
- Best Life Insurance Limited
- Hollard Life Assurance Zambia Limited
- Liberty Life Zambia Limited
- Madison Life Insurance Company Zambia Limited
- One Life Assurance Zambia Limited
- Prudential Life Assurance Zambia Limited
- Sanlam Life Insurance Zambia Limited
- Specialty Emergency Services Limited
- ZSIC Life Limited
Register of licensed insurance entities published by the Pensions and Insurance Authority, 2024. Insurers are licensed annually — check the Authority's current register before relying on this list.
Claims
Prompt, smooth, easy
When you experience a loss, we are here to assist throughout the life of your claim — gathering documentation, liaising with the insurer, and pressing for a fair and timely settlement.
Questions
Frequently asked
What types of insurance products does Clover offer?
We offer a wide range of insurance products to cater to diverse needs including motor vehicle insurance (third-party and comprehensive), property insurance (residential and commercial), business insurance, life insurance, health insurance, travel insurance, and specialized insurance solutions tailored for specific industries.
How do I choose the right insurance policy for my needs and budget?
Our experienced team is here to help you make informed decisions. We’ll assess your individual requirements, risk profile, and budget to recommend suitable policies that provide comprehensive coverage without breaking the bank. We prioritize understanding your needs and finding the best fit for you.
What is the claims process like if I need to file a claim with Clover?
We strive to make the claims process as smooth as possible. In the event of a claim, simply notify us promptly, and our dedicated claims team will guide you through the necessary steps. We’ll assist you with documentation, liaise with the insurance company, and advocate for a fair and timely settlement.
Why should I choose Clover over others?
As a locally rooted broker with global standards, we deliver insurance solutions that resonate with your personal or business priorities.
Get in touch
Tell us what you need to cover
Send us the details and a broker will come back to you with options. There is no charge for a quotation.