Zambia · InsuranceGeneral LiabilityInsurance
A customer slips on your premises. Your product injures a buyer. Are you covered?
Trusted Cover
Zambia · Acentria
About This Cover
Why General Liability Insurance?
A single liability claim can cost millions — legal fees, compensation, and reputational damage. Yet most Kenyan businesses operate with no public liability cover, leaving owners personally exposed. Acentria General Liability Insurance protects your business against third-party bodily injury, property damage, and legal defence costs — from the first letter of demand to final court judgement.
"A customer slips on your premises. Your product injures a buyer. Are you covered?"
Coverage Details
What's Covered
General Liability Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Public liability — injury or damage to third parties on your premises
Product liability — injury or damage caused by your products
Employer's liability — work-related injury and WIBA compliance
Contractual liability extensions
Legal defence and court costs
Worldwide territorial extensions available
Why Acentria
Why Choose Us
WIBA-Aligned Cover
Kenya's Work Injury Benefits Act (WIBA) mandates employer liability cover. Our plans are structured to meet WIBA requirements — keeping your business legally compliant.
Legal Defence Included
We appoint and fund your legal defence from the first letter of claim. You don't pay legal fees out of pocket while the case is resolved.
Combined Liability Policies
Bundle public liability, product liability, and employer's liability into one combined policy — simpler administration and typically a better premium.
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?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
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 General Liability Insurance.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
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