Spot On Insurance Brokers Limited is a fully Zambian-owned insurance broking firm providing reliable insurance advice, risk management solutions, policy placement, and claims support for individuals, businesses, institutions, and organizations across Zambia.
Established in 2016, we exist to make insurance easier to understand and easier to access. We help our clients identify their risks, compare suitable insurance options, negotiate better terms, and choose cover that fits their real needs. Our role is to stand on the client’s side, giving independent guidance and practical support before, during, and after a policy is arranged.
Whether you need personal insurance, business cover, employee benefits, motor insurance, construction insurance, agriculture insurance, mining insurance, health cover, or specialist risk solutions, Spot On is here to help you make confident insurance decisions.
With offices in Kitwe, Ndola, Lusaka, and Chipata, we are positioned to serve clients in key locations across Zambia. Our team combines professional experience, strong insurer relationships, and a client-first approach to deliver insurance solutions that are clear, dependable, and built around your needs
Our Team
Why Work With an Insurance Broker?
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.
