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Licensed insurance companies in Zambia

Licensed insurance companies in Zambia (PIA list 2026)

Insurers & your rights2 min read · Reviewed on by the Tulinde editorial team · how we check facts

Short answerChecked 31 October 2026
The Pensions and Insurance Authority's list of licensed insurance entities for 2026 (published 2 October 2026) names 24 general insurers (motor, property, travel and other short-term cover), 9 long-term insurers (life, funeral and health policies) and 5 reinsurers. Only a licensed insurer may carry on insurance business in Zambia (Insurance Act No. 38 of 2021, section 6), and insuring Zambian assets with an unlicensed insurer is an offence (section 166). By premiums in 2025 the largest general insurer was Professional Insurance (27%) and the largest long-term insurer Prudential (28%).
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Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

What should I check before I buy cover?What is an excess?How do I prepare a claim?
On this page · 5 sections
  1. How to check an insurer before you buy
  2. Market shares published by the PIA (2025)
  3. General, long-term, reinsurer: what the lists mean
  4. FAQ
  5. Sources

How to check an insurer before you buy

  1. Find the insurer named on your policy in the list below or in the PIA's Licensed Insurance Entities 2026.
  2. Check the broker or agent on the same list: brokers are listed together, agents under the insurer they represent.
  3. In doubt, ask the PIA before you pay: +260 211 251401, pia@pia.org.zm (PIA).

Step by step: check an insurer, broker or agent.

Market shares published by the PIA (2025)

Long-term insurer (as named by the PIA)Share of long-term premiums, 2025
Prudential28%
Sanlam Life15%
Madison Life12%
SES (Specialty Emergency Services)11%
One Life11%
General insurer (as named by the PIA)Share of general insurance premiums, 2025
PICZ (Professional Insurance Corporation Zambia)27%
ZSIC General13%
NICO11%
Hollard General9%
Goldman8%

Shares of gross written premium, January to December 2025, from the PIA's Insurance Industry Report Q4 2025: the five largest general insurers wrote 67% of general premiums, and the three largest long-term insurers 66% of long-term premiums. Size says nothing about how an insurer handles claims; Tulinde does not rank insurers.

General, long-term, reinsurer: what the lists mean

  • General insurers sell motor, property, travel, liability and other short-term cover. A company licensed for general business cannot also hold a long-term licence (Insurance Act, section 9).
  • Long-term insurers sell life, funeral and health policies. Health insurance made up 54% of long-term premiums in 2025 (PIA, Q4 2025).
  • Reinsurers insure the insurers; they do not sell to the public.

The list: 38 licensed insurers in Zambia

As published by the Pensions and Insurance Authority — Licensed Insurance Entities 2026 (PIA list of licensed insurance entities for 2026, published 2 October 2026). Names are reproduced as the regulator lists them. Being on this list means a company is licensed; it is not a rating or a recommendation.

General insurers 24

  • A Plus General Insurance Limited
  • Adelvis General Insurance Limited
  • Advantage Insurance Limited
  • Africa Pride Insurance Company Limited
  • 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
  • Lion General 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 9

  • 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

Reinsurers 5

Reinsurers insure insurers; they do not sell to the public.

  • Emeritus Reinsurance Zambia Limited
  • Finsbury Reinsurance Limited
  • Kenya Reinsurance Corporation Zambia Limited
  • Klapton Reinsurance Limited
  • Zambia Reinsurance Plc
Names as the PIA publishes them, for the year ending 31 December 2026. The same list names 95 insurance brokers, 20 reinsurance brokers and each insurer's licensed agents, plus underwriting agents, claims agents, assessors, loss adjusters and risk surveyors.

Insurer profiles in Zambia

The main insurance groups, with every licensed company behind the brand and where else it is licensed.

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Next step

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Frequently asked questions

How many insurance companies are licensed in Zambia?

The PIA's list for 2026 names 24 general insurers, 9 long-term insurers and 5 reinsurers.

How do I know if an insurance company is licensed in Zambia?

Look for it on the PIA's Licensed Insurance Entities 2026 on pia.org.zm, or ask the PIA on +260 211 251401 or pia@pia.org.zm.

Which is the biggest insurance company in Zambia?

By 2025 premiums, Professional Insurance Corporation Zambia among general insurers (27%) and Prudential among long-term insurers (28%), according to the PIA's Q4 2025 report. Tulinde does not rank insurers on service.

Is ZSIC a licensed insurer?

Yes. ZSIC General Insurance Limited and ZSIC Life Limited are both on the PIA's list for 2026.

Sources

  1. Pensions and Insurance Authority — Licensed Insurance Entities 2026 (public notice, published 2 October 2026)
  2. Pensions and Insurance Authority — Insurance Industry Report, Quarter 4 2025 (published 7 April 2026)
  3. Insurance Act No. 38 of 2021 — Pensions and Insurance Authority copy
  4. Pensions and Insurance Authority — Contact us

Same guide in other countries

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Regulator in Zambia: PIA

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