Spot On Insurance Brokers Limited is a fully Zambian-owned insurance broking firm providing reliable insurance advice, risk management, policy placement, and claims support for individuals, businesses, institutions, and organizations.
Since 2016, we have helped clients understand their risks, compare suitable insurance options, and secure cover that protects what matters most. Our role is simple: we stand on the client’s side, give clear guidance, negotiate with insurers, and support clients when claims arise.
With offices in Kitwe, Ndola, Lusaka, and Chipata, we are positioned to serve clients across Zambia with professional service, strong industry relationships, and a customer-first approach.
Insurance Solutions Made Simple, Reliable & Personal
At Spot On Insurance Brokers Limited, we help individuals, businesses, institutions, and organizations find insurance cover that matches their real needs. Our work goes beyond arranging policies. We help you understand your risks, compare suitable insurance options, negotiate better terms, and support you when claims arise.
1. We Understand the Zambian Market
2. Independent Advice You Can Trust
3. Tailor-Made Insurance Solutions
4.Tailored Cover
4. Strong Relationships With Insurers
5. Experienced Insurance Professionals
6. Recognized for Service Excellence
7. Accessible Offices Across Zambia
Our Team
Who We Serve
1. Individuals & Families
We help individuals and families protect their vehicles, homes, health, travel plans, personal assets, and future financial security.
2. Small & Medium Businesses
We support SMEs with practical insurance solutions for stock, premises, equipment, employees, vehicles, and daily business risks.
3. Corporates & Large Organizations
We provide structured insurance broking, policy reviews, employee benefits, risk assessment, and claims support for larger organizations.
4. Construction & Engineering Companies
We assist contractors, engineers, and project owners with cover for construction works, machinery, plant, equipment, and project risks.
5. Transport & Logistics Operators
We help fleet owners, transporters, and logistics companies protect vehicles, goods in transit, drivers, and third-party liabilities.
6. Mining, Energy & Industrial Clients
We support high-risk sectors with specialist insurance solutions for machinery, operations, liability, assets, and business continuity.
7. Agriculture & Farming Clients
We help farmers and agribusinesses protect crops, livestock, machinery, vehicles, and farming operations.
8. Hospitality, Tourism & Travel Businesses
We assist hotels, lodges, tourism operators, and travel businesses with property, liability, employee, motor, and business protection.
9. Government, Institutions & NGOs
We support public institutions, NGOs, and agencies with transparent insurance advice, asset protection, employee benefits, and claims support.
10. Specialist Industry Clients
We also serve clients with unique risks such as cyber, aviation, oil and gas, professional indemnity, trade credit, and other specialist insurance needs.
Ready to Choose the Right Insurance Cover?
At Spot On Insurance Brokers Limited, we are here to make insurance simple, clear, and reliable. Whether you need personal cover, business insurance, employee benefits, risk management advice, or claims support, our team is ready to guide you every step of the way.
