About ZSIC General Insurance

Our History

ZSIC Limited 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. ZSIC General Insurance Company has 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. We have a comprehensive range of insurance services to meet any customer needs.

Our Headquarters

The Company’s Headquarters is situated at Stand No. 7431, Premium House, Independence Avenue, in the Central Business District (CBD) of Lusaka, Zambia. ZSIC General Insurance Company prides itself in maintaining a flexible business attitude to meet the ever-changing needs of its esteemed clients. In addition, management has continued to invest prudently in line with International Insurance Financial Standards. With unmatched expertise, ZSIC General Insurance is the ultimate choice for Business, Personal, Agricultural or Motor Vehicle insurance.


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

Our Mission

To optimize the provision of customer oriented insurance services through motivated and professional staff, guided by good corporate governance principles and best practice


  • Innovation
  • Excellence
  • Leadership
  • Integrity
  • Professionalism
  • Teamwork

Our Leadership

Charles K. NakhozeManaging Director
Sydney ChikutaActing Director - Finance & Administration
Conrad SichandeDirector - Legal & Company Secretary
Sylvia K. NguluweDirector - Technical Operations
Mizinga MasinjaDirector - Branch Operations
Linda M. KalimamukwentoAssistant Director - Enterprise Risk
Kuda NgomaAssistant Director - Marketing
Kalenga MwapeAssistant Director - Human Capital
Suwilanji MulwandaManager - Reinsurance