Insurance Jobs in Zambia | The Complete Guide
Insurance jobs in Zambia cover a wide range of careers involving risk assessment, underwriting, claims management, insurance sales, broking, actuarial work, customer service, compliance and insurance administration.
Insurance companies, brokers, regulators and other organisations operating in the insurance sector employ professionals across these different areas. The sector includes general insurance, life insurance, health insurance, reinsurance and insurance intermediary businesses.
The Pensions and Insurance Authority (PIA) regulates and supervises Zambia’s insurance industry, which includes insurers, reinsurers, insurance brokers, reinsurance brokers, insurance agents, assessors, loss adjusters, risk surveyors and claims agents. (Pia)
Types of Insurance Jobs in Zambia
Insurance is a broad field, with different career paths depending on your qualifications and interests.
Insurance Officer Jobs
Insurance Officers can perform a variety of insurance administration, policy, claims and client-service functions.
Their responsibilities may include:
- Processing insurance applications
- Maintaining policy records
- Preparing insurance documentation
- Assisting with renewals
- Processing claims
- Responding to customer enquiries
- Preparing insurance reports
- Liaising with insurers and brokers
- Maintaining insurance databases
Underwriter Jobs
Insurance Underwriters assess applications and determine the risks associated with providing insurance cover.
Their responsibilities can include:
- Assessing insurance applications
- Evaluating risk
- Reviewing claims history
- Determining appropriate premiums
- Setting policy terms and conditions
- Preparing quotations
- Issuing policies
- Monitoring underwriting performance
- Reviewing renewals
A recent Zambian Underwriting Officer vacancy required knowledge of insurance principles and experience in underwriting or claims, demonstrating the analytical nature of the role. (LinkedIn)
Claims Officer Jobs
Claims Officers manage insurance claims from submission through assessment and settlement.
Their work can involve:
- Receiving claims
- Reviewing supporting documentation
- Assessing policy coverage
- Investigating claims
- Communicating with clients
- Liaising with loss adjusters and assessors
- Processing settlements
- Maintaining claims records
- Preparing claims reports
Claims work requires strong attention to detail because professionals must determine whether claims meet the terms and conditions of the relevant policy.
Insurance Broker Jobs
Insurance Brokers act as intermediaries between clients and insurance companies.
They help clients assess their insurance needs, obtain quotations, compare insurance options and arrange suitable coverage.
Broker responsibilities can include:
- Assessing client insurance requirements
- Obtaining quotations
- Negotiating insurance terms
- Placing insurance cover
- Managing policy renewals
- Advising clients
- Managing claims
- Maintaining client relationships
- Preparing insurance reports
Recent broker vacancies in Zambia have included responsibilities such as negotiating placements with insurers, managing renewals and assisting clients with claims. (LinkedIn)
Insurance Sales Jobs
Insurance Sales professionals help individuals and businesses understand and purchase insurance products.
They may sell products such as:
- Life insurance
- Health insurance
- Motor insurance
- Property insurance
- Business insurance
- Travel insurance
- Agriculture insurance
Insurance sales positions typically require strong communication, customer-service and relationship-building skills.
Actuarial Jobs
Actuaries use mathematics, statistics and financial modelling to assess risk and help insurance companies make informed decisions.
Actuarial roles can involve:
- Risk modelling
- Insurance pricing
- Reserving
- Financial modelling
- Solvency analysis
- Actuarial valuations
- Statistical analysis
- Regulatory reporting
Recent actuarial vacancies in Zambia have included actuarial valuations, financial modelling, solvency assessments and reserving analysis. (LinkedIn)
Insurance Risk Surveyor Jobs
Risk Surveyors assess potential risks associated with properties, businesses, equipment and other assets before insurance coverage is provided.
They may inspect properties, identify potential hazards, prepare reports and recommend measures to reduce risks.
Loss Adjuster Jobs
Loss Adjusters investigate and assess insurance claims, particularly more complex or high-value claims.
Their work can include inspecting damaged property, determining the extent of loss, reviewing documentation and preparing reports for insurers.
Insurance Compliance Jobs
Insurance companies need professionals who help ensure that their operations comply with applicable laws, regulations and internal policies.
Compliance roles can involve:
- Regulatory compliance
- Risk management
- Policy reviews
- Internal controls
- Reporting
- Anti-money-laundering requirements
- Regulatory liaison
The PIA conducts supervision and market-conduct oversight of Zambia’s insurance industry, making regulatory and compliance knowledge important within the sector. (Pensions & Insurance Authority of Zambia)
Qualifications for Insurance Jobs in Zambia
The qualification requirements depend on the specific insurance career.
Common qualifications include:
- Diploma in Insurance
- Bachelor’s degree in Insurance
- Bachelor’s degree in Business Administration
- Bachelor’s degree in Finance
- Bachelor’s degree in Economics
- Bachelor’s degree in Accounting
- Actuarial Science degree
- Risk Management qualifications
- Relevant professional insurance qualifications
Some entry-level insurance positions accept a Grade 12 certificate combined with a diploma in Insurance. For example, a recent Underwriting Assistant and Claims Assistant vacancy in Zambia required a Grade 12 certificate, a diploma in Insurance or related field and relevant experience. (Great Zambia Jobs)
Professional Qualifications for Insurance Careers
Professional insurance qualifications can help candidates progress into specialised and senior positions.
Depending on your career path, relevant professional development may include qualifications from recognised insurance professional bodies and programmes such as the Chartered Insurance Institute (CII).
Some employers specifically list professional insurance qualifications as an advantage. (LinkedIn)
Actuarial professionals will generally follow a different professional qualification pathway based on actuarial examinations and professional membership.
Skills Needed for Insurance Jobs
Insurance professionals need a combination of technical, analytical and interpersonal skills.
Important skills include:
- Risk assessment
- Analytical thinking
- Attention to detail
- Communication
- Customer service
- Negotiation
- Report writing
- Numerical ability
- Problem-solving
- Research
- Microsoft Office
- Data analysis
- Decision-making
- Confidentiality
- Time management
The skills required will depend heavily on the particular insurance career.
For example, underwriting places greater emphasis on risk analysis and decision-making, while insurance sales requires strong communication and relationship-building skills.
Industries That Hire Insurance Professionals in Zambia
Insurance professionals can work for insurance companies and brokers, but opportunities also exist in other organisations that manage significant insurance portfolios and risks.
Insurance Companies
Insurance companies employ professionals across underwriting, claims, sales, finance, actuarial services, customer service, compliance and management.
Insurance Brokers
Brokerage firms employ brokers and support staff who arrange insurance cover for individuals and businesses.
Banks and Financial Institutions
Banks and other financial institutions may employ insurance professionals to manage insurance requirements and insurance-related products.
For example, the Bank of Zambia has advertised an Assistant Manager – Insurance Services position involving insurance renewals, placement of insurance cover, claims services, risk assessments and monitoring underwriters. (Boz)
Mining Companies
Large mining companies have substantial assets and operational risks and may employ professionals to manage insurance arrangements, claims and risk.
Government and Regulatory Institutions
The Pensions and Insurance Authority employs professionals involved in the regulation and supervision of Zambia’s insurance industry. In 2026, the Authority advertised Inspector positions within its insurance supervisory functions. (Pia)
NGOs and Large Organisations
Large NGOs, corporations and other organisations may employ insurance or risk professionals to manage their insurance portfolios, claims and risk exposure.
Insurance Jobs for Fresh Graduates
Insurance graduates can enter the industry through internships, graduate programmes, underwriting trainee positions, claims roles and other junior positions.
For example, insurance organisations in Zambia have advertised underwriting internships designed to give graduates practical exposure to insurance and risk management. (Jobweb Zambia)
Some insurance companies also operate graduate programmes. Discover Insurance, for example, states that its graduate programme provides recent graduates with opportunities to work within different departments and gain practical experience. (Discover Insurance)
Potential entry-level positions include:
- Insurance Intern
- Underwriting Intern
- Claims Assistant
- Underwriting Assistant
- Insurance Assistant
- Claims Clerk
- Insurance Sales Representative
- Customer Service Representative
How to Get an Insurance Job in Zambia
1. Choose Your Insurance Career Path
Decide whether you want to work in underwriting, claims, broking, insurance sales, actuarial work, risk management, compliance or another area.
2. Obtain a Relevant Qualification
Study Insurance, Finance, Business, Economics, Actuarial Science or another relevant discipline depending on your preferred career.
3. Gain Practical Experience
Internships, attachments and graduate programmes can help you develop practical insurance knowledge and improve your chances of securing permanent employment.
4. Develop Industry Knowledge
Learn the fundamentals of insurance products, risk assessment, underwriting, claims and insurance regulations.
5. Consider Professional Qualifications
Professional insurance qualifications can help you develop specialised knowledge and progress into more advanced roles.
6. Develop Strong Communication Skills
Insurance professionals regularly interact with clients, brokers, insurers, assessors and other stakeholders.
7. Apply for Insurance Vacancies
Regularly monitor Insurance jobs in Zambia and apply for positions that match your qualifications, experience and specialisation.
Insurance Jobs Without a Degree in Zambia
Not every insurance position requires a bachelor’s degree.
Some entry-level and administrative insurance positions may accept a Grade 12 certificate, diploma or relevant professional qualification.
For example, a recent Underwriting Assistant and Claims Assistant vacancy required a Grade 12 certificate and diploma-level Insurance qualification rather than a bachelor’s degree. (Great Zambia Jobs)
However, more specialised and senior positions may require a bachelor’s degree, professional qualifications and several years of experience.
Insurance Salary in Zambia
Insurance salaries in Zambia vary depending on qualifications, experience, employer, specialisation and seniority.
An Insurance Assistant or Claims Clerk will generally have a different compensation package from an experienced Underwriter, Actuary, Insurance Broker or Insurance Manager.
Specialised areas such as actuarial work, underwriting, risk management and senior insurance management can require additional qualifications and experience.
When comparing insurance jobs, consider the complete employment package, including:
- Basic salary
- Allowances
- Bonuses
- Commission
- Medical benefits
- Pension contributions
- Training opportunities
- Other employment benefits
Insurance sales positions may also have commission structures, so total earnings can differ significantly depending on the role.
Career Progression in Insurance
Insurance offers several career paths.
A general underwriting career could progress from:
Underwriting Assistant → Underwriter → Senior Underwriter → Underwriting Manager → Head of Underwriting
A claims career could progress from:
Claims Clerk → Claims Assistant → Claims Officer → Senior Claims Officer → Claims Manager
A broking career could progress from:
Broker Assistant → Insurance Broker → Senior Broker → Broking Manager → Head of Broking
Professionals can also move into:
- Risk Management
- Compliance
- Actuarial Services
- Insurance Management
- Corporate Risk
- Reinsurance
- Insurance Consulting
Frequently Asked Questions
What qualifications do I need for insurance jobs in Zambia?
Requirements vary by position. Common qualifications include diplomas and degrees in Insurance, Finance, Business, Economics, Accounting, Actuarial Science and related fields.
Can I get an insurance job with a diploma?
Yes. Some junior positions, including underwriting and claims roles, accept diploma-level Insurance qualifications. (Great Zambia Jobs)
What types of insurance jobs are available in Zambia?
Common careers include Underwriter, Claims Officer, Insurance Broker, Insurance Sales Representative, Insurance Officer, Actuary, Risk Surveyor, Loss Adjuster and Insurance Manager.
Can fresh graduates get insurance jobs in Zambia?
Yes. Internships, graduate programmes and junior underwriting and claims positions can provide entry points into the industry. (Discover Insurance)
Where can insurance professionals work in Zambia?
Insurance professionals can work for insurance companies, brokers, banks, mining companies, government institutions, NGOs and other large organisations that manage insurance and risk.
Is insurance a good career in Zambia?
Insurance offers several career paths, from customer-facing sales and claims roles to analytical careers in underwriting, actuarial science and risk management.
What skills are important for insurance jobs?
Analytical thinking, communication, attention to detail, customer service, negotiation, numerical ability and risk assessment are important skills across many insurance careers.
Find Insurance Jobs in Zambia
If you are looking for an insurance career in Zambia, regularly monitor new vacancies and focus on positions that match your qualifications, professional training, experience and preferred area of insurance.
[Browse Insurance Jobs in Zambia above and apply for positions that match your career profile.]
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