Risk and insurance are our areas of focus. Coverlink Insurance Brokers is a licensed Risk Management and Insurance Broking firm established in 2022. Coverlink’s insurance solutions are flexible enough to suit your unique Zambian requirements. We cover your business comprehensively from unforeseen incidents, loss or damage.
“Our main business objective is to serve the final consumer appropriately whilst adhering to and supporting the insurance underwriter with innovative solutions.”
We cover you, from life insurance to local and international travel.
Enjoy Zambia with the knowledge that you have financial protection for unexpected events that may occur before or during a trip.
Regulated by the Pensions and Insurance Authority
In Zambia, the regulation of insurance brokers falls under the Pensions and Insurance Authority (PIA). The PIA is the primary regulatory body for the insurance and pensions industry in the country, operating under the Ministry of Finance and National Planning.
Importance of using a broker for your insurance need
Using a broker for your insurance needs is a strategic decision that can provide significant advantages. This is primarily because a broker works for you, not the insurance company.
Unlock your Risk and Insurance Solutions
We assist you to identify appropriate risk and insurance products. We have a wealth of insurance and risk management experience in a diverse range of industry categories and we invite you to make the most of our knowledge and expertise, and call us for quotations and advice, across corporate and personal lines.
Risk management and insurance products
Life Insurance
Financial security for your loved ones if you are no longer there to provide for them
Level Term Life Insurance,
Decreasing Term Life, Convertible Term Life, “Pure” Life Cover, Whole Life-like Policies, Endowment Plans, Universal Life-like, Group Life Assurance, Funeral Insurance/ Funeral Cover, Credit Life Insurance, Education Protector/ Education Benefit, Hospital Cash Back Plan, Critical Illness Cover, Disability Benefits
Health Insurance
A crucial financial tool designed to protect you from the high costs of healthcare
Private Medical Insurance,
Individual Health Insurance, Family Health Insurance, Corporate/ Group Health Insurance, International Health Insurance
Motor Insurance
Financial protection against losses due to damage by vehicular accident
Road Traffic Act (RTA) Only/ Basic Third Party,
Comprehensive Motor Insurance, Third Party Only (TPO), Third Party, Fire & Theft (TPF&T), Commercial Motor Insurance, Motorcycle Insurance, Special Types
Property Insurance
Protection for your tangible assets, primarily buildings & their contents, against various risks
Houseowners Insurance (Buildings Insurance),
Householders Insurance (Contents Insurance), Domestic Package/Combined Policy, Fire and Allied Perils Insurance, Business Interruption (Loss of Profits) Insurance, Office Comprehensive Insurance, Burglary Insurance, All Risks Insurance (Commercial), Engineering Insurance (Specialized for Machinery & Construction)
Business Insurance
Helps protect against a wide array of business financial losses arising from unforeseen events
Agricultural, All Risks Insurance,
Burglary, Directors and Officers (D&O) Liability, Employers’ Liability, Engineering, Fidelity Guarantee, Fire, Goods in Transit, Marine, Money, Professional Indemnity, Public Liability insurance
Travel Insurance
Protects you from financial losses & unexpected events that can occur before or during a trip
International Travel Insurance,
Trip Cancellation & Interruption, Baggage & Personal Belongings, Travel Delays & Disruptions, Personal Accident Cover, Personal Liability, Loss of Documents, 24/7 Emergency Assistance Insurance
Your risk management
Insurance is a cornerstone of your risk management, serving as a powerful tool to deal with the financial consequences of uncertainty. It’s not the only risk management technique, but it is one of the most critical. You can access various solutions to your insurance needs through our broker portal.
Our risk and insurance products can be tailored to your specific needs. Additionally, your risk management is the the bedrock for the products and services we provide to you. Our products also assist in the achievement of our SDGs.
The Pensions and Insurance Authority (PIA) place these products into three main categories; General Insurance, Long-Term Insurance, and Micro-Insurance.
We offer Risk and Insurance Innovative Services
Risk management and insurance services are intrinsically linked. They form a crucial framework for individuals, businesses, and even governments to navigate uncertainties and protect against potential financial losses.
Risk Advisory
Risk advisory, risk management surveys, risk transfer and structured solutions to optimise risk exposure management. This helps us with equipping you with the knowledge you need. Information systems services, relating to risk management. Financial planning.
Risk Identification and Assessment,
Risk Mitigation Strategies, Risk Financing Analysis, Risk Monitoring and Reporting, Cyber Risk Management, Transactional Risk Services, Supply Chain Risk, Environmental, Social, and Governance (ESG) Advisory, Credit Risk, Political Risk, Financial Due Diligence
Training
We carry out training in general insurance, life insurance, risk management and a number of crash courses in conjunction with our various partners.
Premium Payment Structuring
We help you with your premium payment management by agreeing payment plans and offering flexible payment terms. This is part of the process we engage to provide our clients with tailored risk and insurance solutions.
Claims Processing
We help you manage the maze of claims processing. Our strong relationships with insurance companies helps us to deliver value to our clients and other stakeholders.
Claims Advocacy
Loss Control and Prevention
Risk advisory and insurance training are also key objectives of the The Insurance Institute of Zambia (IIZA). These services therefore fall in in with the industry’s effort to improve the quality of insurance solution.
Combining risk management and insurance is crucial for individuals and organisations to effectively protect themselves against potential losses and ensure long-term stability and growth. While risk management focuses on identifying, assessing, and mitigating risks, insurance provides a financial safety net when those risks materialise. Here’s a breakdown of the importance and benefits of integrating these …
Our additional risk management and insurance coverage
• 1: No Poverty
We provide a crucial safety net from unexpected financial shocks, thereby preventing them from falling into or deeper into poverty
•2: Zero Hunger
We provide financial protection to farmers against crop failure, and livestock losses, hence ensuring food security
•3: Good Health and Well-being
We expand access to healthcare services, and provide financial security for families, therefore promoting better health outcomes
•4: Quality Education
We allow investing in children’s education and help educational institutions to recover from disasters
•5: Gender Equality
We tailor insurance solutions and inclusive insurance products to further increase financial access for women
•6: Clean Water and Sanitation
We cover risks associated with water and sanitation projects, additionally water scarcity or pollution
•7: Affordable and Clean Energy
We de-risk investments in renewable energy projects, and in addition products tailored for energy-efficient homes and vehicles
•8: Decent Work and Economic Growth
We protect against property damage, liability and business interruption, and furthermore complement government social protection
•9: Industry, Innovation, and Infrastructure
We facilitate large-scale infrastructure projects and further support innovation in sustainable technologies
•10: Reduced Inequalities
We reach marginalized and vulnerable populations with customised and affordable insurance products
•11: Sustainable Cities and Communities
We use data and risk assessments to inform sustainable urban planning, and in addition to infrastructure development
•12: Responsible Consumption and Production
We offer premium discounts for sustainable consumption and production practices
•13: Climate Action
We provide financial protection against climate-related disasters, and for green investments and sustainable projects, supporting the transition to a low-carbon economy
•14. Life Below Water & 15. Life on Land
We support nature-based solutions, reforestation, afforestation and sustainable land management practices
•17: Partnerships for the Goals
We partner with government, NGOs etc, to develop and scale innovative insurance solutions for sustainable development
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