All Risks, One Insurance Partner
Our Insurance Solutions
Every Day Protection
Do not take any risks with your motor vehicles, motor cycles, trailers and accessories. We will place reliable cover for all personal or business risks.
- Motor Comprehensive
- Motor Third Party
- Motor Transit
- Motor Fire & Theft
- Motor Traders
- Motor Sports
- Motor Hire options
We have expertise to facilitate your Medical/Health Insurance either as an individual, family or employer. We understand your need to be secure as well as the need to achieve maximum savings from your health financing solutions. Our services include effective placement of insured health benefits covering outpatient, inpatient, dental and optical care, including evacuation services depending on your need. We also offer prudent health scheme administration services and fund management for clients who do not require insured medical benefits, using our seamless, client-focused system and integrated medical access platform where you can monitor utilisation and other statistics.
- Individual & family medical plans
- Group / corporate employee schemes
- Special inpatient & specialist care plan for families
- Chronic illness management plans
- Managed benefits for individuals, families and employers
Are you an employer and you require a quotation? Request the quotation form and send it to insurance@timecare.co.zm. Are you an individual and you would like to have a health insurance conversation or get a medical quotation? Speak to our broker.
Protect the people who depend on you. We arrange group and individual life cover, funeral policies, and credit life assurance — matched to your family or workforce needs from across the full insurer panel.
- Individual & group life assurance
- Funeral cover for families & staff
- Credit life for loans & mortgages
- Keyman & business continuation cover
- Beneficiary claims support
Secure your group in case of injuries, disability or death arising from accidents while your members or employees are in your activities, including travel to or from your activities. Timecare will provide well-structured stated benefits or group personal accident cover so members can receive compensation for medical expenses, disability and death. This gives peace of mind as a group.
- Cover available for employers, churches, schools, societies and other formal groupings
- Compensation for Medical Expenses
- Compensation for Disability
- Compensation for Loss of Life
- Flexible limits in terms of stated benefits
- Simplifies administrative strain when accidents occur
- Improves employee/member morale and retention
- Increases compliance levels for groups in terms of member protection
Business Risks
Other Insurance Solutions
Protect your premises and assets with tailored Property Insurance covering buildings, plant and contents. This helps businesses recover quickly from fire, storm, theft, vandalism, water damage and other insured perils, keeping operations running and financial exposure controlled.
- Residential & commercial buildings
- Fire, lightning & explosion
- Theft, storm, flood & impact damage
- Contents & business interruption add-ons
- Landlord & tenant liability options
Farming is the backbone of Zambia — and one of its most exposed sectors. We arrange crop, livestock, and farm infrastructure cover tailored to local growing seasons, weather risk, and market realities.
- Crop insurance (weather & multi-peril)
- Livestock mortality & disease cover
- Farm buildings, machinery & irrigation
- Smallholder & commercial farm programmes
- Seasonal risk advisory
One incident can put everything you have built at risk. We arrange public liability, employers' liability, and professional indemnity cover so your business can operate — and grow — with confidence.
- Public & products liability
- Employers' liability / workers' compensation
- Professional indemnity for practitioners
- Directors' & officers' liability
- Legal defence cost cover
Protect shipments and imported vehicles or goods from physical loss or damage while in transit by sea, air, rail or road and during temporary storage. Transit Insurance covers goods moved domestically or internationally, including imported vehicles, containers and RO RO consignments, giving you confidence throughout the supply chain.
- Financial protection against loss or damage in transit
- Simplified import handling with customs clearance and claims support
- Tailored cover to match shipment type, mode of transport and route-specific risks
- Annual open policies for frequent shippers to streamline documentation and administration
This is a guarantee provided by an insurance company as surety to ensure that a person or business fulfils its contractual or legal obligation. If the bonded party fails to meet their obligation, the insurer compensates the affected party up to the insured bond amount.
- Construction projects
- Licensing requirements
- Customs Bonds
- Commercial Contracts
Provides protection against losses or damage of goods, cargo, ships and other vessels during transit by sea, air, rail or road depending on the point of placement. You could have sea/water shipments in your supply chain and may seek specific cover which may be excluded in other insurance policies.
- Goods and cargo protection
- Ships and vessel exposure
- Sea/water shipment cover
- Placement based on route and risk point
- Marine claims support
Specialist Support & Schemes
Support Beyond the Policy
Construction and industrial projects face complex, high-value risks. We arrange contractor's all-risk, erection all-risk, machinery breakdown, and infrastructure project cover for contractors and project owners.
- Contractor's all-risk (CAR)
- Erection all-risk (EAR)
- Machinery breakdown & loss of profits
- Plant & equipment cover
- Project-specific structured programmes
Travel with confidence. We arrange domestic and international travel cover for individuals, families, and corporate travellers — medical emergencies, cancellations, baggage, and more.
- Emergency medical & evacuation
- Trip cancellation & curtailment
- Baggage & personal effects
- Corporate & group travel policies
- Schengen-compliant certificates
For employers who prefer to self-fund staff healthcare rather than buy conventional health insurance, Timecare administers and manages the entire scheme — enrolment, provider network access, claims adjudication, and reporting — on our seamless, client-focused, integrated medical access platform.
- Self-funded employer scheme design
- Member enrolment & card issuance
- Provider network & medical access platform
- Claims adjudication & fraud control
- Utilisation reporting for HR & finance
Who We Serve
Cover for Every Kind of Client
Individuals & Families
Personal motor, health, life, travel, and home cover tailored to your budget.
SMEs
Practical, affordable protection for growing businesses — assets, liability, and staff.
Large Corporates
Structured programmes, employee benefits, and complex risk placement.
Institutions
Government and institutional insurance programmes with full compliance support.
Not sure which cover you need?
Tell us about your situation — our brokers will recommend the right protection, independently.