Providing customised insurance and risk financing solutions to mining, power generation, manufacturing, retail, hospitality, agriculture and SMEs sectors.
Products Liability
Cover for legal claims resulting from injury or damage caused by the insured’s products.
Assets All Risks
Cover for all tangible organizational assets against fire and related perils on an all-risks basis.
Public Liability
Protection against third-party claims for injury or damage arising from the insured’s business activities.
Honeygold Motorsure
Commercial vehicle insurance for fleets or single company vehicles with comprehensive, third-party, fire, theft, and optional roadside assistance.
Group Personal Accident with Funeral
Employee cover for death, disability, or medical costs from accidents, including funeral expenses in case of death.
Bankers Blanket Bond
Package policy for financial institutions covering crime-related losses, fidelity guarantees, and professional indemnity risks.
Professional Indemnity
Protection against legal claims from errors, negligence, or omissions committed by professionals in the course of their work.
Fidelity Guarantee
Safeguard for organizations against losses due to employee theft, fraud, or embezzlement.
Contractors All Risks
Insurance for construction projects covering property damage and third-party injury or damage during contract works.
Open Marine
Cover for goods in transit from origin to destination against loss or damage during transportation.
Honeygold Agrisure
Comprehensive farming insurance covering buildings, equipment, livestock, crops, and other agricultural assets.
Enterprise-wide Risk Management (EWRM)
Holistic solution helping organizations identify and manage both insurable and non-insurable risks across all operations.
From SMEs to Large Corporates—Complete Protection, Tailored for You
At Cell Insurance, we believe every business deserves robust, adaptable protection—no matter its size. Our Commercial Insurance portfolio is designed to support Zimbabwe’s diverse economic landscape, from ambitious small enterprises to established multinationals. We protect a wide spectrum of risks, including crop yields, professional malpractice, employee theft, asset damage, and everything in between.
Built for Every Business, Every Risk
Whether you’re a small shop, a growing farm, a consultancy, or a large manufacturer, we have a solution that fits. Our flexible, sector-aware products are crafted to address both common and complex risks—so you can focus on running your business with confidence.
Designed to Grow With You
- Scalable Solutions – Start with basic coverage and expand as your business grows.
- Wide Risk Spectrum – Protect against financial loss, liability, property damage, employee dishonesty, professional errors, and agricultural shortfalls.
- Multi-Industry Expertise – Specialized products for retail, agriculture, professional services, manufacturing, mining, hospitality, and more.
- Accessible & Affordable – Competitive premiums and flexible terms designed for SMEs and large corporates alike.
Why Choose Cell Insurance for Commercial Protection?
- All-in-One Risk Coverage – From fidelity guarantees and crop insurance to professional indemnity and asset protection.
- Local Understanding, Global Standards – We know the Zimbabwe market and deliver internationally recognized security.
- Fast, Fair Claims – Streamlined claims process to keep your business moving.
- Personal Risk Advice – Dedicated advisors who help you identify and cover what matters most.
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