🏠 Property & Asset Protection
Valtex Insurance Brokers provides comprehensive property and asset protection solutions tailored to safeguard both residential and commercial properties. Whether you’re a homeowner, landlord, or business owner, our policies are designed to protect the physical structures you rely on — and the valuable contents within.
Our Building or Contents Insurance ensures that your property is covered against loss, theft, or damage, offering you financial stability in the face of unexpected events. For broader protection, our Fire and Allied Perils Insurance covers your buildings against risks such as fire, lightning, explosions, and natural disasters. Additionally, our Homeowners and Renters Insurance provides peace of mind by protecting both owner-occupied and rented properties from unforeseen damages and liabilities.
With Valtex, you don’t just get a policy — you gain a trusted partner committed to protecting your investments and restoring your peace of mind when it matters most.
🚗 Vehicle & Transit Insurance
At Valtex Insurance Brokers, we offer robust Vehicle and Transit Insurance solutions that ensure your mobility, logistics, and cargo are protected at every stage of movement — whether by land or sea.
Our Motor Vehicle Insurance covers both private and commercial vehicles, providing financial protection against accidents, theft, damage, and third-party liabilities. Whether you’re a personal driver or managing a fleet, Valtex tailors coverage to match your usage and risk profile.
For businesses involved in transportation or delivery, our Cargo and Goods in Transit Insurance ensures your goods are covered while being moved from one location to another. This protection includes loss, theft, and damage during transit — whether via road, rail, or air.
Additionally, our Marine Insurance extends protection to goods and vessels involved in international shipping and inland waterway operations, helping you manage the unique risks of marine transport with confidence.
Valtex stands by you to keep your operations moving and your assets secure — no matter the distance.
🛠️ Engineering Insurance
Valtex Insurance Brokers provides specialized Engineering Insurance solutions tailored to the needs of contractors, developers, manufacturers, and infrastructure projects. We help safeguard complex technical operations and equipment from the ground up — ensuring business continuity and project stability.
Our Contractors All Risks (CAR) Insurance offers comprehensive protection for civil construction projects, covering damage to works, materials, and third-party liabilities during construction phases. This is ideal for building contractors, road projects, and other infrastructure developments.
For mechanical and installation-based projects, our Erection All Risks (EAR) Insurance covers the assembly and installation of machinery, equipment, and steel structures — from unloading to testing and commissioning.
We also offer Electronic Equipment Insurance, which provides all-risk cover for computers, servers, medical devices, and other high-value electronics, protecting against damage, theft, or electrical faults.
In addition, Deterioration of Stock Insurance is available to protect perishable goods stored in cold rooms or temperature-sensitive environments, often essential for manufacturers, wholesalers, and food processors.
With Valtex, your technical investments and infrastructure developments are in safe hands — backed by expert risk assessment and responsive support.
👥 Group & Personal Protection
At Valtex Insurance Brokers, we believe that people are your most valuable asset — and protecting their wellbeing is essential. Our Group and Personal Protection solutions are designed to provide financial security and peace of mind for individuals, employees, and entire organizations.
We offer Group Personal Accident Insurance that protects employees against accidental injury, disability, or death — ensuring your workforce is covered on and off the job. For self-employed professionals or individuals, our Individual Personal Accident Insurance offers similar protection with flexible cover tailored to personal risk profiles.
Our comprehensive Life Insurance policies ensure your loved ones or dependents are financially protected in the event of your passing, while our Health & Hospitalization Insurance provides access to medical care, covering hospital stays, treatments, and outpatient services.
To further support employers and employees, our Disability and Workmen’s Compensation Insurance covers job-related injuries, permanent or temporary disability, and wage replacement — fully aligned with Zambia’s labor regulations.
Whether for individuals or institutions, Valtex offers protection that empowers people to live and work with confidence.
✈️ Aviation Insurance
Valtex Insurance Brokers provides tailored Aviation Insurance solutions to meet the unique demands of the aviation sector — covering both aircraft operators and aviation service providers.
Our Aircraft Hull and Liability Cover protects aircraft owners against physical damage to the aircraft itself, as well as legal liability arising from third-party injuries or property damage. Whether operating for private, commercial, or charter purposes, this policy ensures your aviation assets and operations are fully safeguarded.
In addition, our Ground Risk Insurance provides essential coverage while the aircraft is on the ground — whether it’s being parked, stored, refueled, or undergoing maintenance. This includes protection against fire, theft, vandalism, or accidental damage outside of flight operations.
With Valtex, you benefit from a deep understanding of aviation risk, expert underwriting, and the support of a team committed to ensuring safe, compliant, and financially secure operations across Zambian skies and beyond.
❤️ Health and Life Insurance
At Valtex Insurance Brokers, we understand that your greatest asset is your life and health — and protecting it is essential. That’s why we offer expertly sourced Health and Life Insurance solutions from Zambia’s most trusted underwriters, tailored to individuals, families, and organizations.
Our Health Insurance plans provide reliable coverage for medical expenses, including hospitalization, outpatient care, surgeries, maternity, and chronic illness management. Whether you need individual protection or group cover for your employees, Valtex helps you access flexible policies with the right benefits, provider networks, and premium options. We also assist with claim processing and guide you through provider selections to ensure peace of mind during medical emergencies.
Life Insurance from Valtex ensures that your loved ones are financially secure in the event of death or terminal illness. From simple term life to comprehensive cover with investment-linked options, we help you choose a policy that aligns with your income, dependents, and long-term goals. Our team provides personalized risk analysis, policy comparisons, and premium negotiation — so you get both coverage and value.
✅ WHY VALTEX
We compare multiple insurers to get you the best value
We negotiate favorable premiums and policy terms
We provide ongoing support — from onboarding to claims
We ensure all policies comply with Zambia’s regulatory standards
💼 Financial & Pecuniary Insurance
Valtex Insurance Brokers offers strategic Financial and Pecuniary Insurance solutions designed to protect businesses against financial losses arising from employee dishonesty, operational disruptions, or legal liabilities. These covers are essential for organizations seeking stability, compliance, and resilience in an ever-changing economic landscape.
Our Fidelity Guarantee Insurance protects employers against financial losses caused by dishonest or fraudulent acts by employees — offering confidence in internal controls and trust within teams.
To help businesses remain financially secure during unforeseen operational disruptions, Business Interruption Insurance provides compensation for lost income, fixed costs, and temporary relocation expenses until normal operations resume.
For companies handling large sums of money, Cash-in-Transit Insurance safeguards funds while being transported to or from banks, clients, or between business locations — whether by staff or professional couriers.
Our Professional Indemnity Insurance covers professionals and consultants against legal claims resulting from negligence, errors, or omissions in the provision of their services, ensuring reputational and financial protection.
Finally, Comprehensive Projects Cover combines multiple insurance types into a single tailored package for large-scale projects, protecting stakeholders from various risks throughout a project’s lifecycle.
With Valtex, your financial wellbeing is secured with precision, experience, and integrity.
🧾 Bonds & Guarantees
Valtex Insurance Brokers offers a full suite of Bonds and Guarantee solutions to support contractors, suppliers, and service providers in meeting their contractual obligations with confidence and credibility.
Our Performance Bonds assure project owners that the contractor will fulfill their duties as agreed. Should there be any default, the bond provides financial compensation to the project owner — securing trust and accountability throughout the contract.
Bid Bonds are essential during the tendering process. They guarantee that the bidder will enter into the contract if awarded and will furnish the required performance bond, helping companies participate in competitive bids with assurance.
Advance Payment Guarantees protect employers who provide upfront payments by ensuring that the contractor will deliver the project or service as specified, or the funds will be reimbursed.
These instruments are critical for business continuity, compliance with procurement regulations, and strengthening credibility with government and private sector clients. With Valtex, you gain access to fast, reliable bond issuance backed by expert underwriting and a deep understanding of Zambia’s construction and procurement landscape.
🧑🌾 Agriculture Insurance
Valtex Insurance Brokers understands the vital role agriculture plays in Zambia’s economy — and the risks farmers face every season. Our Agriculture Insurance solutions are specifically designed to protect farmers, agribusinesses, and cooperatives from financial loss due to unpredictable natural and market-related risks.
We offer Livestock and Crop Insurance that shields farmers from losses caused by disease outbreaks, theft, fire, drought, or floods. Whether you’re raising cattle or cultivating maize, our policies provide critical financial support to help you recover quickly and sustain your productivity.
Additionally, our Weather-Indexed Agriculture Protection offers a modern, data-driven approach to risk management. This innovative cover uses weather data—like rainfall patterns and temperature fluctuations—as triggers for payouts, ensuring fast and transparent compensation during climate-related disruptions.
With Valtex, farmers gain more than coverage — they gain a partner in resilience, growth, and food security.