• Car Insurance

    A different way to make your car stand out

  • Workers’ Compensation Insurance

    Define what most matters to you

  • House Insurance

    Your true treasure deserves protection

  • Health Insurance

    Nothing is more valuable than life

PreviousNext
1234

  • Car Insurance

    A different way to make your car stand out

  • Workers’ Compensation Insurance

    Define what most matters to you

  • House Insurance

    Your true treasure deserves protection

  • Health Insurance

    Nothing is more valuable than life

PreviousNext

Products

Life and Non-Life Insurance

Private Clients

Car Insurance covers damages caused to third parties (as required by law) and, depending on the selected plan, may also include coverage for your own vehicle, protection against theft, collision, and fire. Coverage options range from mandatory third-party insurance to comprehensive insurance.

Home Multi-Risk Insurance covers damage to the property and its contents caused by fire, flooding, theft, natural phenomena, and other domestic risks. It provides comprehensive protection for both homeowners and tenants.

Fire Insurance covers material damage caused by fire, lightning, explosion, and related risks, protecting residential, commercial, and industrial properties. It is essential to ensure asset recovery after severe incidents.

Home Contents Insurance protects movable property within the residence — such as furniture, appliances, clothing, electronics, and valuables — against risks like fire, theft, flooding, and water damage. It serves as a complementary coverage to multi-risk home insurance and can also be purchased separately.

Personal Liability Insurance covers unintentional damage caused to third parties — whether material, bodily, or moral — within the scope of private life. It is essential protection for families, tenants, pet owners, and individuals engaged in activities that may affect others.

Personal Accident Insurance protects the insured against unexpected events resulting in bodily injury, disability, or death caused by sudden, external, and unforeseen accidents. It can be purchased by individuals, families, or companies on behalf of their employees.

Life Insurance guarantees the payment of a lump sum to the beneficiaries in the event of the insured’s death and may include coverage for total and permanent disability, critical illness, and funeral expenses.

Travel Insurance covers medical expenses, repatriation, trip cancellation, loss of luggage, and personal accidents during domestic or international travel.

Health Insurance covers medical consultations, examinations, hospitalizations, medication, and prosthetics, with options for reimbursement or international medical assistance.

Funeral Expenses Insurance guarantees the payment of costs related to funeral services or repatriation of the body in the event of the insured’s death, offering quick and affordable coverage.

Corporate Clients

Employee Benefits

Corporate Benefits

Empresas

Employee Benefits

Workers’ Compensation Insurance is legally mandatory and covers death, disability, medical assistance, and compensation resulting from accidents suffered by employees during professional activities or while commuting between home and the workplace.

Group Life Insurance provides financial protection to a company’s employees in the event of death, disability, or critical illness, and may include funeral expenses and medical assistance. It is a strategic solution for talent retention and compliance with social responsibility obligations.

Group Personal Accident Insurance protects employees, association members, or teams against death, disability, and medical expenses resulting from accidents occurring inside or outside the workplace. It is a flexible solution that can be contracted by companies, schools, clubs, or institutions.

Group Funeral Expenses Insurance provides quick financial assistance to cover funeral costs for employees, association members, or designated beneficiaries, offering collective coverage and simplified management.

Pension Fund – A financial structure that accumulates contributions over time — made by employers, employees, or both — with the purpose of ensuring a future pension for the beneficiary, in addition to the mandatory social security (INSS).

Health Insurance covers medical consultations, examinations, surgeries, medication, and hospitalizations, with options for network-based care or reimbursement.

Travel Insurance covers medical expenses, repatriation, trip cancellation, loss of luggage, and personal accidents during domestic or international travel.

Corporate Benefits

Fleet Car Insurance is a business solution that allows multiple vehicles — light, heavy, commercial, or administrative — to be insured under a single policy, with coverage tailored to the company’s profile and the vehicles’ usage.

Business Multi-Risk Insurance protects a company’s physical and operational assets against fire, theft, natural phenomena, machinery breakdown, and business interruption. It is a comprehensive and customizable solution.

Fire Insurance covers material damage caused by fire, lightning, or explosion, protecting buildings, contents, and equipment. It is essential for residential, commercial, and industrial properties and can be purchased separately or as part of a multi-risk insurance policy.

Office Contents Insurance protects movable assets and equipment used in professional activities — such as furniture, computers, printers, documents, and decorative items — against risks like fire, theft, flooding, and electrical damage. It is an essential coverage for companies, offices, and institutions.

Electronic Equipment Insurance protects devices such as computers, servers, printers, communication, and diagnostic systems against physical damage, sudden breakdowns, theft, and operational failures. It is essential for companies, clinics, schools, and institutions with technological assets.

All-Risks Business Insurance is a type of multi-risk insurance that provides broad (“all risks”) coverage, protecting a company’s assets and operations against all risks not expressly excluded in the policy. It is particularly recommended for companies with significant assets, critical operations, or international contractual requirements.

Business Interruption Insurance covers the financial losses a company incurs when its operations are interrupted by a covered event such as fire, flooding, theft, or equipment breakdown. It ensures financial continuity until business activities resume.

Fidelity Guarantee Insurance protects companies against financial losses resulting from dishonest acts committed by employees, such as fraud, theft, or misappropriation of goods or money. It is particularly relevant for sectors involving financial transactions, logistics, or access to valuable assets.

Money Insurance protects businesses against financial losses resulting from theft, burglary, or loss of cash, cheques, vouchers, and valuable documents, both in transit and within the premises. It is essential for financial institutions, retailers, transport companies, and businesses that handle cash operations.

Machinery Breakdown Insurance covers sudden and unforeseen damage to industrial, commercial, or technical equipment such as boilers, generators, compressors, refrigeration systems, medical devices, and electronic equipment. It is essential for businesses that rely on machinery to operate.

O seguro de Máquinas Casco, protege equipamentos móveis, como máquinas agrícolas, industriais ou de construção, contra danos acidentais, colisões, capotamentos, incêndios, roubo e outros riscos externos. É ideal para empresas de construção, logística, mineração e agroindústria.

Theft and Burglary Insurance protects movable property, equipment, goods, and valuables against qualified theft or burglary, including break-ins, invasions, armed robbery, or breach of trust. It can be purchased separately or as an additional clause within multi-risk, contents, money, or equipment insurance policies.

General Liability Insurance (GLI) protects businesses against third-party claims for material, bodily, or moral damages caused in the course of their operations. It is essential for any organization that interacts with the public, clients, or business partners.

Professional Liability Insurance (PLI) protects professionals and businesses against third-party claims arising from errors, omissions, or negligence in the performance of their professional duties. It is essential for lawyers, doctors, engineers, consultants, accountants, and technical service providers.

Environmental Liability Insurance (ELI) covers damages caused to the environment by business activities, including pollution, soil and water contamination, and harm to public health.

Product Liability Insurance (PLI) protects manufacturers, distributors, and retailers against third-party claims arising from defective, contaminated, or improperly labeled products. It is essential for companies that place goods on the market.

Goods in Warehouse Insurance protects stored goods against risks such as fire, theft, flooding, damage, and deterioration. It is essential for commercial, industrial, and logistics companies that keep inventory in their own or third-party warehouses.

Stock Deterioration Insurance covers losses caused by failures in refrigeration or preservation systems, protecting perishable goods such as food, medicines, and chemical products.

Cash in Transit Insurance protects businesses against financial losses resulting from theft, burglary, loss, or destruction of cash, cheques, securities, and other valuable documents while being transported between authorized locations. It is essential for banks, supermarkets, cash transport companies, and businesses with significant cash flow operations.

Cargo Insurance protects goods against loss or damage during land, sea, air, or river transportation, whether in domestic operations, imports, or exports.

Engineering and Construction Insurance provides comprehensive protection for civil construction projects, industrial installations, and public or private works, covering material damage, liability, and risks associated with technical execution. It is essential for contractors, developers, engineers, and investors.

Aviation Insurance covers aircraft, crew, passengers, cargo, and third-party liability. It is essential for air operators, charter companies, flight schools, and private aircraft owners.

Marine Hull Insurance protects vessels against physical damage caused by accidents, weather conditions, collisions, shipwrecks, and other maritime risks.

Surety Insurance guarantees the fulfillment of contractual obligations, replacing financial guarantees and strengthening trust between contracting parties. It is widely used in public contracts, construction, supply, and service agreements.

Agricultural Insurance in Mozambique covers losses caused by climatic risks, pests, diseases, and other events that affect agricultural and livestock production. It is offered by insurers such as Hollard and EMOSE, focusing on small producers and strategic value chains.

Energy, Oil and Gas Insurance in Mozambique covers complex risks in exploration, production, transportation, and distribution projects, both onshore and offshore. It is offered by insurers such as Hollard and GRIB, with access to international reinsurance and specific clauses for wells, facilities, and environmental liability.

Employee Benefits

Workers’ Compensation Insurance is legally mandatory and covers death, disability, medical assistance, and compensation resulting from accidents suffered by employees during professional activities or while commuting between home and the workplace.

Group Life Insurance provides financial protection to a company’s employees in the event of death, disability, or critical illness, and may include funeral expenses and medical assistance. It is a strategic solution for talent retention and compliance with social responsibility obligations.

Group Personal Accident Insurance protects employees, association members, or teams against death, disability, and medical expenses resulting from accidents occurring inside or outside the workplace. It is a flexible solution that can be contracted by companies, schools, clubs, or institutions.

Group Funeral Expenses Insurance provides quick financial assistance to cover funeral costs for employees, association members, or designated beneficiaries, offering collective coverage and simplified management.

Pension Fund – A financial structure that accumulates contributions over time — made by employers, employees, or both — with the purpose of ensuring a future pension for the beneficiary, in addition to the mandatory social security (INSS).

Health Insurance covers medical consultations, examinations, surgeries, medication, and hospitalizations, with options for network-based care or reimbursement.

Travel Insurance covers medical expenses, repatriation, trip cancellation, loss of luggage, and personal accidents during domestic or international travel.

Corporate Benefits

Fleet Car Insurance is a business solution that allows multiple vehicles — light, heavy, commercial, or administrative — to be insured under a single policy, with coverage tailored to the company’s profile and the vehicles’ usage.

Business Multi-Risk Insurance protects a company’s physical and operational assets against fire, theft, natural phenomena, machinery breakdown, and business interruption. It is a comprehensive and customizable solution.

Fire Insurance covers material damage caused by fire, lightning, or explosion, protecting buildings, contents, and equipment. It is essential for residential, commercial, and industrial properties and can be purchased separately or as part of a multi-risk insurance policy.

Office Contents Insurance protects movable assets and equipment used in professional activities — such as furniture, computers, printers, documents, and decorative items — against risks like fire, theft, flooding, and electrical damage. It is an essential coverage for companies, offices, and institutions.

Electronic Equipment Insurance protects devices such as computers, servers, printers, communication, and diagnostic systems against physical damage, sudden breakdowns, theft, and operational failures. It is essential for companies, clinics, schools, and institutions with technological assets.

All-Risks Business Insurance is a type of multi-risk insurance that provides broad (“all risks”) coverage, protecting a company’s assets and operations against all risks not expressly excluded in the policy. It is particularly recommended for companies with significant assets, critical operations, or international contractual requirements.

Business Interruption Insurance covers the financial losses a company incurs when its operations are interrupted by a covered event such as fire, flooding, theft, or equipment breakdown. It ensures financial continuity until business activities resume.

Fidelity Guarantee Insurance protects companies against financial losses resulting from dishonest acts committed by employees, such as fraud, theft, or misappropriation of goods or money. It is particularly relevant for sectors involving financial transactions, logistics, or access to valuable assets.

Money Insurance protects businesses against financial losses resulting from theft, burglary, or loss of cash, cheques, vouchers, and valuable documents, both in transit and within the premises. It is essential for financial institutions, retailers, transport companies, and businesses that handle cash operations.

Machinery Breakdown Insurance covers sudden and unforeseen damage to industrial, commercial, or technical equipment such as boilers, generators, compressors, refrigeration systems, medical devices, and electronic equipment. It is essential for businesses that rely on machinery to operate.

O seguro de Máquinas Casco, protege equipamentos móveis, como máquinas agrícolas, industriais ou de construção, contra danos acidentais, colisões, capotamentos, incêndios, roubo e outros riscos externos. É ideal para empresas de construção, logística, mineração e agroindústria.

Theft and Burglary Insurance protects movable property, equipment, goods, and valuables against qualified theft or burglary, including break-ins, invasions, armed robbery, or breach of trust. It can be purchased separately or as an additional clause within multi-risk, contents, money, or equipment insurance policies.

General Liability Insurance (GLI) protects businesses against third-party claims for material, bodily, or moral damages caused in the course of their operations. It is essential for any organization that interacts with the public, clients, or business partners.

Corporate Benefits

Professional Liability Insurance (PLI) protects professionals and businesses against third-party claims arising from errors, omissions, or negligence in the performance of their professional duties. It is essential for lawyers, doctors, engineers, consultants, accountants, and technical service providers.

Environmental Liability Insurance (ELI) covers damages caused to the environment by business activities, including pollution, soil and water contamination, and harm to public health.

Product Liability Insurance (PLI) protects manufacturers, distributors, and retailers against third-party claims arising from defective, contaminated, or improperly labeled products. It is essential for companies that place goods on the market.

Goods in Warehouse Insurance protects stored goods against risks such as fire, theft, flooding, damage, and deterioration. It is essential for commercial, industrial, and logistics companies that keep inventory in their own or third-party warehouses.

Stock Deterioration Insurance covers losses caused by failures in refrigeration or preservation systems, protecting perishable goods such as food, medicines, and chemical products.

Cash in Transit Insurance protects businesses against financial losses resulting from theft, burglary, loss, or destruction of cash, cheques, securities, and other valuable documents while being transported between authorized locations. It is essential for banks, supermarkets, cash transport companies, and businesses with significant cash flow operations.

Cargo Insurance protects goods against loss or damage during land, sea, air, or river transportation, whether in domestic operations, imports, or exports.

Engineering and Construction Insurance provides comprehensive protection for civil construction projects, industrial installations, and public or private works, covering material damage, liability, and risks associated with technical execution. It is essential for contractors, developers, engineers, and investors.

Aviation Insurance covers aircraft, crew, passengers, cargo, and third-party liability. It is essential for air operators, charter companies, flight schools, and private aircraft owners.

Marine Hull Insurance protects vessels against physical damage caused by accidents, weather conditions, collisions, shipwrecks, and other maritime risks.

Surety Insurance guarantees the fulfillment of contractual obligations, replacing financial guarantees and strengthening trust between contracting parties. It is widely used in public contracts, construction, supply, and service agreements.

Agricultural Insurance in Mozambique covers losses caused by climatic risks, pests, diseases, and other events that affect agricultural and livestock production. It is offered by insurers such as Hollard and EMOSE, focusing on small producers and strategic value chains.

Energy, Oil and Gas Insurance in Mozambique covers complex risks in exploration, production, transportation, and distribution projects, both onshore and offshore. It is offered by insurers such as Hollard and GRIB, with access to international reinsurance and specific clauses for wells, facilities, and environmental liability.

Who we are

Laços Insurance Broker, Lda is a leading Mozambican company operating in the insurance brokerage and advisory sector, dedicated to protecting what truly matters most to its clients.
With a clear and solid vision, we build lasting relationships founded on trust, integrity, and excellence, providing insurance solutions that ensure peace of mind, security, and continuity.

Our highly skilled team, with deep knowledge of the local and international markets, positions Laços as a strategic partner in risk management and asset protection, fully committed to the highest standards of quality and compliance.

  • Our Mission

    To advise, protect, and ensure financial stability.
    Our mission is to safeguard our clients’ financial exposure by offering tailor-made insurance solutions that combine strong protection, proven quality, and cost-effective conditions, always aligned with each client’s profile, needs, and priorities — whether individuals, companies, or institutions.

  • Vision

    To be recognized as Mozambique’s leading insurance broker, distinguished by trust, excellence, innovation, and strong proximity to clients, suppliers, organizations, and business partners.

  • Values

    • Ethics and Compliance – We operate with integrity and in full compliance with all applicable laws and regulations, ensuring transparency in every interaction.

    • Transparency and Integrity – We uphold honesty and accountability as the foundation of long-term, trustworthy relationships.

    • Responsibility and Commitment – We honor our promises with focus, diligence, and dedication to achieving client satisfaction and measurable results.

    • Partnership and Proactivity – We anticipate our clients’ needs and develop innovative, value-adding solutions that exceed expectations.

Contact Us

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Information

The client will have at his disposal an after sales services offered free of charge by Laços Corretora de Seguros, Lda, which consist in permanent availability of an assistant / insurance manager for all questions that the client needs clarification

Address

Avenida 25 de Setembro, nº 1509, Bairro da Central, Cidade de Maputo, Mozambique.

Phones:  (+258) 84 616 1033 / 82 433 3460