Underwriter – Agriculture – ZSIC General Insurance Limited

About the Company

ZSIC General Insurance Limited is a provider of general insurance solutions in Zambia, focused on customer service, professionalism, integrity, and strong corporate governance. The company is an equal-opportunity employer and a member of the IDC Group of Companies.

ZSIC General Insurance Limited is seeking a qualified and experienced professional to support its agricultural insurance portfolio across crop, livestock, and agribusiness risks.

About the Role

The Underwriter – Agriculture will support the evaluation, pricing, acceptance, and management of agricultural insurance risks. The role will contribute to maintaining a profitable and compliant agricultural insurance portfolio while ensuring that products and underwriting practices effectively address the needs of clients across the agricultural sector.

The position will involve both office-based underwriting activities and field engagements with farms, cooperatives, agro-dealers, and other agricultural stakeholders.

Key Responsibilities

Agricultural Risk Assessment & Underwriting

• Evaluate and assess insurance risks associated with crops, livestock, and other agricultural enterprises.

• Analyse agricultural production risks and determine appropriate underwriting approaches.

• Develop and implement underwriting guidelines specific to agricultural insurance.

• Ensure agricultural risks are appropriately priced in accordance with ZSIC-GI standards.

• Make decisions regarding the acceptance, rejection, and rating of agricultural risks within delegated authority.

• Provide recommendations to management on high-value or complex agricultural risks.

Product Development & Innovation

• Contribute to the design and enhancement of agricultural insurance products based on market and client needs.

• Work with banks, cooperatives, farmer associations, and other agricultural stakeholders to support tailored insurance solutions.

• Participate in product testing and provide feedback on product performance.

• Identify opportunities for improvements to agricultural insurance products and services.

Policy Administration & Compliance

• Ensure accurate and timely issuance of agricultural insurance policies.

• Review and approve proposals, quotations, and policy endorsements within delegated authority.

• Ensure underwriting activities comply with internal policies and procedures.

• Maintain compliance with applicable industry standards and regulatory requirements.

• Ensure appropriate documentation and records are maintained.

Business Development Support

• Provide technical underwriting input and guidance to the sales team on agricultural insurance products.

• Participate in client meetings, presentations, and training activities.

• Support initiatives aimed at increasing awareness and understanding of agricultural insurance.

• Build and maintain professional relationships with strategic partners in the agricultural sector.

Claims Support

• Liaise with claims teams and provide technical input on agricultural insurance claims.

• Support accurate claims assessment through risk analysis and review of loss history.

• Provide underwriting information relevant to the assessment of agricultural losses.

• Support underwriting practices designed to minimise exposure to fraudulent claims.

Decision-Making & Problem Solving

• Exercise sound judgement when evaluating agricultural risks.

• Balance profitability, client requirements, and overall risk exposure when making underwriting decisions.

• Escalate high-value, unusual, or complex risks to the appropriate level of management.

• Provide recommendations based on risk analysis and available evidence.

Read: Why Workplace Environment Matters as Much as Getting the Job

Minimum Qualifications & Experience

Applicants should possess:

• Grade 12 Certificate with at least five O-Level credits, including Mathematics and English.

• Bachelor's Degree in one of the following or a related field:

  • Insurance

  • Agribusiness

  • Agricultural Economics

  • Agronomy

  • Agro-Forestry

  • Finance

  • Business Administration

  • Risk Management

• Professional insurance qualification such as ACII or CII.

• Valid driver's licence.

• Minimum of three (3) years' experience in underwriting, insurance, or risk assessment.

Technical Skills & Competencies

• Strong understanding of agricultural production systems and associated risks.

• Knowledge of agricultural insurance mechanisms.

• Good understanding of underwriting principles and risk assessment methodologies.

• Knowledge of actuarial pricing concepts.

• Strong analytical and research capabilities.

• Excellent report-writing skills.

• Strong negotiation and stakeholder engagement skills.

• Ability to develop and maintain professional relationships.

• Familiarity with insurance regulatory frameworks in Zambia.

• Computer literacy and proficiency in Microsoft Office applications.

• Ability to work with insurance management systems.

Work Environment

Office-Based Work

The successful candidate will work within the ZSIC-GI office environment and interact with various departments across Head Office and branches.

Field Work

The role also requires travel to agricultural sites, including:

• Farms

• Cooperatives

• Agro-dealers

• Agricultural project sites

Field activities may include agricultural risk assessments, loss verification, client engagement, and interaction with farmers and other industry stakeholders.

Physical Address:
ZSIC General Insurance Limited
Premium House
Independence Avenue
P.O. Box 30894
Lusaka, Zambia

Job Summary

Employer: ZSIC General Insurance Limited
Position: Underwriter – Agriculture
Location: Lusaka, Zambia
Employment Type: Full Time
Department: Agriculture
Reports To: Agriculture Specialist
Industry: Insurance / Agriculture / Risk Management
Minimum Qualification: Bachelor's Degree in Insurance, Agribusiness, Agricultural Economics, Agronomy, Agro-Forestry, Finance, Business Administration, Risk Management, or related field
Experience: Minimum 3 years in underwriting, insurance, or risk assessment
Professional Qualification: ACII or CII
Driver's Licence: Valid driver's licence required
Application Deadline: 25 September 2026
Application Email: careers@zsicgi.co.zm