Zambia · InsuranceCommercial PropertyInsurance
Fire. Theft. Business interruption. Comprehensive cover for Kenyan business premises.
Trusted Cover
Zambia · Acentria
About This Cover
Why Commercial Property Insurance?
A warehouse fire in Industrial Area. A break-in at your Westlands office over the Christmas weekend. Flash flooding in your Kisumu retail unit. Every one of these scenarios can cost millions — and months of lost revenue. Acentria Commercial Property Insurance covers not just the physical damage but the business interruption losses while you rebuild. One policy, complete protection for your entire premises.
"Fire. Theft. Business interruption. Comprehensive cover for Kenyan business premises."
Coverage Details
What's Covered
Commercial Property Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Building structure — offices, factories, warehouses, retail
Machinery, plant, and equipment
Stock and inventory (including refrigerated stock)
Business interruption — lost revenue during downtime
Money in transit and on premises (safe and till)
Glass breakage (shopfronts, partitions)
Employer's liability
All-risks extension for specified valuable equipment
Why Acentria
Why Choose Us
Business Interruption Included
Physical damage alone doesn't tell the full story. Our policies cover your lost profit and ongoing fixed costs (rent, salaries, utilities) while your premises are being restored.
Sector-Specific Underwriting
We understand the difference between a cold-storage facility, a manufacturing plant, and a Nairobi CBD office block. Our cover is tailored, not generic.
Reinstatement Value Cover
We cover full rebuilding and replacement costs at today's prices — no depreciation. Your business is restored, not just partially compensated.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
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Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
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Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Mining Equipment — Breakdown & Fire
Copperbelt Mining Support
A Copperbelt mining support company suffered a combined breakdown and fire incident involving a key excavator. Acentria mobilised a specialist engineering adjuster within 48 hours and coordinated the valuation and replacement process. Full replacement value was paid within 14 working days and operations resumed on schedule.
Amount Paid
ZMW 850,000
Settlement
14 days
Motor — Fleet Vehicle Accident
Lusaka Logistics Company
A Lusaka logistics company's fleet vehicle was involved in an accident on the Great East Road, sustaining significant bodywork and mechanical damage. Acentria lodged the claim, managed the assessment process, and confirmed an approved repairer. Full repair costs were settled in 9 working days, keeping the fleet operational.
Amount Paid
ZMW 95,000
Settlement
9 days
Home — Burglary During Travel
Private Individual
A Kabulonga homeowner returned from an international trip to find the property had been burgled and electronics and valuables stolen. Acentria guided the client through the police report and documentation requirements. New-for-old replacement at current market value was settled within 7 working days — no depreciation applied.
Amount Paid
ZMW 45,000
Settlement
7 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Reinsurance solutions that are responsive, expertly structured, and competitively priced. Acentria is our first call for any African risk placement.
Solomon Nyirenda
Chief Risk Officer, Zanaco Bank
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Lusaka
Cairo Road, City Centre, Lusaka
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Commercial Property Insurance.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
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