Life & people
4
Accident & Miscellaneous
Cover for injury to people and for losses caused by the dishonesty of those you employ.
Agriculture
Cover for crops, livestock and yield, including weather index parametric products.
- Covers
- 4
- Typically for
- Commercial farms, smallholder schemes and agribusiness lenders.
In practice
Agriculture is the class where Zambian conditions matter most, and where the product has changed the most. Conventional crop cover requires a loss assessor to visit and measure the damage, which is slow and expensive across scattered smallholdings.
Index-based cover works differently. It pays when a measured trigger is breached — rainfall below a threshold, or a satellite-assessed yield below expectation — regardless of what happened on any individual field. Settlement is faster and administration is lighter, at the cost of basis risk: the index may not match your own outcome exactly. Which structure suits you depends on the size of the operation and how the cover interacts with any lending against the crop.
What it covers
4 covers
- Crop
- Growing crops against hail, fire and windstorm, extendable to other named perils through to harvest.
- Livestock
- Death of animals from accident, illness or named perils, extendable to transit and theft.
- Horticulture
- Greenhouse structures, irrigation and high-value horticultural crops.
- Aerial Yield and Weather Index Parametric Covers
- Pays on a measured trigger such as rainfall or satellite-assessed yield rather than on a physical loss assessment, so settlement is quicker.
Cover names are those used in the Zambian market; the exact scope of any policy depends on its wording and endorsements. We will set out what a quotation does and does not include before you bind it.
Get in touch
Ask about agriculture
Tell us what you need to cover and a broker will come back with options from the licensed market. There is no charge for a quotation.
Related classes
All classesBusiness insurance
2
Liability
Cover for claims brought against you by third parties, including claims arising from professional advice.
Life & people
4
Life & Health
Cover for individuals, families and staff, from medical schemes through to keyman protection.