Photo: LittleT889, Wikimedia Commons, CC BY-SA 4.0Check an insurer, broker or agent in Zambia
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Step by step
- Download the Licensed Insurance Entities 2026 from the PIA's licensed entities page.
- Find the insurer named on your policy or receipt. General insurers sell motor, property and other short-term cover; long-term insurers sell life, funeral and health policies.
- Find the person who sold you the policy: brokers are listed together; agents are listed under the insurer they work for. An agent should appear under the insurer named on your policy.
- If the name is missing, do not pay. Ask the insurer to confirm in writing, and report the seller to the Registrar (pia@pia.org.zm).
What the 2026 list contains
| Licence | Number on the 2026 list |
|---|---|
| General insurers | 24 |
| Long-term insurers | 9 |
| Reinsurers | 5 |
| Reinsurance brokers | 20 |
| Insurance brokers | 95 |
| Underwriting agents | 5 |
| Claims agents | 5 |
| Assessors | 7 |
| Loss adjusters | 9 |
| Risk surveyors | 2 |
| Insurance agents | Listed under each insurer |
Counted from the PIA list. The register of licensees is also open for inspection at the PIA's offices (Insurance Act, section 168). The full list of insurers: licensed insurance companies.
Why it matters
Insurance on assets, liabilities and interests in Zambia must be placed with a licensed insurer (section 166), and an insurer that accepts business from an unlicensed person breaks the Act (section 18). A premium paid to the licensed broker who arranged your policy counts as paid to the insurer (section 26(4)) (Insurance Act 2021).
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Frequently asked questions
How do I know if an insurance company is licensed in Zambia?
Look for it on the PIA's Licensed Insurance Entities 2026, published on pia.org.zm on 2 October 2026, or ask the PIA (+260 211 251401, pia@pia.org.zm).
How many insurance brokers are licensed in Zambia?
95 insurance brokers and 20 reinsurance brokers are on the PIA's list for 2026.
Is it illegal to sell insurance without a licence in Zambia?
Yes. Section 6 of the Insurance Act 2021 makes it an offence to carry on insurance business or hold oneself out as an insurer or intermediary without a licence.