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About Us

ZSIC General Insurance (ZSIC GI) Limited is a subsidiary of the Industrial Development Corporation (IDC), which is a holding company wholly owned by the Government of the Republic of Zambia.

Established in 1968, we continue to exemplify customer service excellence, professionalism and integrity. Therefore, we have consistently been ranked among the top three preferred insurance companies in Zambia.

With unmatched expertise, ZSIC GI is the ultimate choice for Motor Vehicle, Home, Business, and Agricultural insurance. We pride ourselves in maintaining a flexible business attitude to meet the ever-changing needs of our esteemed clients.

Our Headquarters is situated at Stand No. 7431, Premium House, Independence Avenue, in the Central Business District (CBD) of Lusaka, Zambia.

In addition, we have the largest network of branches in Zambia with representation in all the 10 provinces. This provides convenient access to all our products and services to clients countrywide.


ZSIC GI was previously a composite insurance company called the Zambia State Insurance Corporation Limited.

Before the liberalization of the insurance industry, the Zambia State Insurance Corporation Limited was the only insurance company in the market, and therefore gained vast experience in transacting both short and long term insurances.

In line with the provisions of the Insurance Act No. 27 of 1997 as amended by Act No. 26 of 2005, the Zambia State Insurance Corporation Limited underwent a restructuring and compliance exercise.

As a result of the restructuring and compliance exercise, the Zambia State Insurance Corporation Limited was split into three separate business entities, namely ZSIC Limited; which was the initial Holding Company, ZSIC General Insurance Company and ZSIC Life Company as subsidiary companies.

In March 2017, IDC assumed the role of the holding company which lead to the dissolution of ZSIC Holdings and maintained the separation of ZSIC General Insurance from ZSIC Life.


To be market leaders in the provision of world class general insurance services in Zambia.

Mission Statement

To provide customer oriented insurance services through motivated and professional staff guided by good corporate governance principles and best practice.


a) Innovation

b) Excellence

c) Leadership

d) Integrity

e) Professionalism

f) Teamwork

Our Leadership

Charles K. Nakhoze

Position: Managing Director

Mwenya K. Chama

Position: Director – Finance & Administration

Conrad Sichande:

Position: Director - Legal & Company Secretary

Sylvia K. Nguluwe:

Position: Director – Technical Operations

Mizinga Masinja

Position: Director – Branch Operations

Linda M. Kalimamukwento:

Position: Assistant Director - Enterprise Risk

Kuda Ngoma

Position: Assistant Director – Marketing

Kalenga Mwape

Position: Assistant Director - Human capital

Sydney Chikuta

Position: Manager – Finance

Phillip Mushabati

Position: Manager – IT

Suwilanji Mulwanda

Position: Manager – Reinsurance

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