Products

Life and non-life modalities

Individuals

Insurance that covers loss or damage to any motor vehicle, guaranteeing damages resulting from personal injuries and/or materials caused to third parties  (Civil Liability) or to the vehicle itself, as well as its accessories and spare parts, while in it  (Own Damage ).

Insurance supplements your protection when not covered by compulsory car insurance. It is a cover designed for the driver’s life. It guarantees the driver of motor vehicles compensation for death or permanent disability, medical expenses and funeral expenses, due to an accident occurring when the driver is in control of the vehicle.

It is a personal accident any sudden event, sudden and abnormal, due to external and extraneous cause to the will of the person and in this, cause bodily harm. The cover guarantees the payment of compensation as a result of an accident, causing:

  • Total and Permanent Death or Invalidity;
  • Medical, Medical and Hospital Expenses;
  • Temporary Incapacity (Absolute or Partial);
  • Funeral expenses.

It ensures the protection of persons against the risk of incurring medical expenses. By paying a premium, users ensure the benefit of receiving medical care from the best providers of health services at no additional cost.

Value offer

  • Integrated Service to Facilitate the Life of Users with Regard to Health and Health Care;
  • Facilitated Access to a Wide Net of Hospitals, Clinics, Laboratories and Pharmacies;
  • Benefits of Internment;
  • Health Specialists;
  • Service Assistance 24/24 hours (every day and every year);
  • Ambulatory Care;
  • National and International Evacuation;
  • Advanced Program for Chronic Disease Management.

Product designed to satisfy the assistance needs of those who travel, whether on leisure or for professional reasons.

Coverings

  1. Safe Travel Insurance: Death or Permanent Disability; Medical and repatriation expenses.
  2. Travel Assistance Insurance: Emergency medical assistance abroad, medical expenses, pharmaceutical, surgical and hospitalization, repatriation or transportation, medical information, search and transportation of lost luggage, among others.

Guarantees the protection for instalment credit, guaranteeing the payment of the balance due or of part of the financing in the event of an unexpected situation foreseen in the contract

Guarantees in the event of the death of any insured person up to the limit of the insurance capital, the full compensation of the insured capital to the beneficiaries indicated in the policy.

It guarantees the protection of your assets in unforeseen situations, covering damage caused to real estate (home) and/or furniture (furniture). They are insurable under the policy Multirisco Housing:

Building  (housing, apartment) intended exclusively for housing, built and covered with non-combustible materials (masonry walls covered with a cement slab, zinc sheets, asbestos cement laid or not, in wooden slabs);

Filling of Housing  (furniture, appliances, image and sound equipment, computers, personal and household objects).

Guarantees compensation for property damage and non-property damage resulting from personal injury and/or material caused by the contractual activity legally attributed to the insured, as a result of the operation of the establishment or in the course of their professional activity. These professionals may be hired by insurance professionals, statutory auditor, pharmacist, engineers, architects, lawyers, economists; Consultants, Physicians, Auditors, among others.

Guarantees the coverage of physical losses or damages to the electronic equipment described in the particular conditions of the policy and in any specified place, in the insured’s premises

Companies

Insurance that covers loss or damage to any motor vehicle, guaranteeing damages resulting from personal injuries and/or materials caused to third parties (Civil Liability) or to the vehicle itself, as well as its accessories and spare parts, while in it  (Own Damage ).

Insurance supplements your protection when not covered by compulsory car insurance. It is a cover designed for the driver’s life. It guarantees the driver of motor vehicles compensation for death or permanent disability, medical expenses and funeral expenses, due to an accident occurring when the driver is in control of the vehicle.

It guarantees to the employees of the company, compensation for damages suffered in the event of an accident occurring during working hours or on the way to and from the workplace. The insurance also guarantees protection against any temporary or permanent illness or incapacity caused by professional activity.

Product designed to satisfy the assistance needs of those who travel, whether on leisure or for professional reasons.

Coverings

  1. Safe Travel Insurance: Death or Permanent Disability; Medical and repatriation expenses.
  2. Travel Assistance Insurance: Emergency medical assistance abroad, medical expenses, pharmaceutical, surgical and hospitalization, repatriation or transportation, medical information, search and transportation of lost luggage, among others.

It is a personal accident any sudden event, sudden and abnormal, due to external and extraneous cause to the will of the person and in this, cause bodily harm. The cover guarantees the payment of compensation as a result of an accident, causing:

  • Total and Permanent Death or Invalidity;
  • Medical, Medical and Hospital Expenses;
  • Temporary Incapacity (Absolute or Partial);
  • Funeral expenses.

Guarantees the payment of compensation as a result of an accident (in a group) causing:

  • Total and Permanent Death or Invalidity;
  • Medical, Medical and Hospital Expenses;
  • Temporary Incapacity (Absolute or Partial);
  • Funeral expenses.

It ensures the protection of persons against the risk of incurring medical expenses. By paying a premium, users ensure the benefit of receiving medical care from the best providers of health services at no additional cost.

Value offer

  • Integrated Service to Facilitate the Life of Users with Regard to Health and Health Care;
  • Facilitated Access to a Wide Net of Hospitals, Clinics, Laboratories and Pharmacies;
  • Benefits of Internment;
  • Health Specialists;
  • Service Assistance 24/7;
  • Ambulatory Care;
  • National and International Evacuation;
  • Advanced Program for Chronic Disease Management

Guarantees in the event of the death of any insured person up to the limit of the insurance capital, the full compensation of the insured capital to the beneficiaries indicated in the policy.

Guarantees compensation for property damage and non-property damage resulting from personal injury and/or material caused by the contractual activity legally attributed to the insured, as a result of the operation of the establishment or in the course of their professional activity. These professionals may be hired by insurance professionals, statutory auditor, pharmacist, engineers, architects, lawyers, economists; Consultants, Physicians, Auditors, among others.

Guarantees the legal liability of companies arising from the exercise of their commercial and/or industrial activity. Guarantees the payment of damages for property damage or non-property damage resulting from personal injury and/or material and its direct consequences accidentally caused to third parties.

Generally guarantees the legal liability of the company in its capacity as producer for the damages that its goods (products) can cause to third parties, namely to the final consumers, by its vice or defect.

It covers damages to any property described in the particular conditions, or the part thereof, belonging to the insured or for which he is responsible, including changes made by him as a tenant of buildings and structures.

Covered Risks:  Fire; Radius or Fall of Lightning; Explosion; Other Additional Risks that are specified in the particular conditions their inclusion.

Guarantees the coverage of physical losses or damages to the electronic equipment described in the particular conditions of the policy and in any specified place, in the insured’s premises

It covers losses or damages to any filling that is the property of the insured or for which it is responsible

Guarantees the coverage for losses or damages suffered by goods, during their transportation by any means, either by land, road or rail.

Guarantees compensation for theft and fire or means used for its extinction, disappearance, destruction or destruction as a result of an accident of the transporting vehicle.

It covers all risks of loss or damage resulting from the construction activity, with the exception of the exclusions contained in the policy.

Guarantees the non-contractual legal liability attributable to the insured for the property and non-property damage resulting from personal injury and / or material damage caused to third parties as a result of an accident, fire or explosion in the garage, service station, workshop or damage to vehicles that are entrusted to the insured for the collection, washing, lubrication, performance, repair or painting, when collected and during their stay in the garage, service station or workshop

Guarantees the payment of compensation in the event of loss or damage to the filling not covered by other insurance, including the fixed and ancillary facilities of the policyholder or for which he is responsible and the property belonging to any member or director or employee of the insured within the limits

Guarantees the coverage of “All Risks”, protecting the insured against loss or damage to the machines, resulting from any cause that occurs to them, in the course of their activity or at rest, or in maintenance operations.

Covers accidental physical damage to the aircraft during operation, at rest, or in maintenance operations, while operated by or under the responsibility of the insured.

Insurance that guarantees the payment of compensation for loss or damage resulting from accident, disaster to the insured books of accounts and files in the accounting facilities or residence of any Director, Member and Employee, as a result of which he is unable to discover or establish the balances receivable in full or in part.

Guarantees payment of compensation as a result of losses or damages to money that occur in the Republic of Mozambique.

Guarantees the proper fulfilment of the legal or contractual obligations assumed by a Company (Policyholder), before the Beneficiary of the Surety (Insured), namely:

  • Obligations of contractors in works contracts;
  • Obligations of suppliers in supply contracts;
  • Payment to Customs, taxation and customs duties;
  • Other obligations before the Public Administration or other public or private entities, which must be subject to collateral.

Guarantees the coverage of “All Risks”, protecting the insured against losses or damages resulting from the malfunction of the safe machinery

Guarantees compensation to the insured for loss of money and/or other property belonging to the insured, to the responsibility of his employee, or for financial loss suffered, resulting from fraud or dishonesty of the employee of the insured.

Insurance guarantees the payment of compensation for loss or damage to the interior and exterior glass (including mirrors), recording and treatment of the same in the secure premises, which are owned by the insured or for which he is responsible.

Guarantees coverage for loss or damage to all contents of any building (secure facilities described in the particular conditions) accompanied by forced / violent entry into the building, violent or forced exit of the building, or any attempt to do so, resulting in theft or attempted theft.

It assures different types of boats, from recreational boats, boats, rowing, sailing, dredgers, tugboats, passengers, cargo, barges.

Guarantees the coverage of “All Risks”, protecting the insured against loss or damage to the work itself  in the scope of Assembly , as well as the machinery, the construction equipment employed in the work and against claims of Third Parties with respect to personal injury or material arising in connection with the execution of the work.

Guarantees coverage for loss or damage to all or part of the property, in any part of the world by accident or misfortune, provided that the insured is responsible for the deductible specified in the particular conditions for each accident.

Guarantees the coverage of “All Risks”, protecting the insured against loss or damage to the stock, due to the failure of the refrigeration system.

It guarantees coverage to a company against a multitude of risks that can affect your business, the occurrence of a fire, a robbery or damages caused by the bursting of a pipe.

Guarantees:
The property where the company is located; goods, machinery, furniture and other assets that it possesses, and it is always possible to adapt the insurance to the specific characteristics of the company, through a complete set of optional coverage’s, according to the characteristics of the risks to be insured.

It ensures the company’s coverage against a multitude of risks that can seriously affect the business.

Who we are

We are a new company in the insurance brokerage field in Mozambique and we propose, within our strategic vision and integration in this segment to offer world-class sevices in the context of globalization and regional integration.

  • Our Mission

    Give and Advise our clients, suitable choices in insurance products tailored to their needs at competitive prices

  • Vision

    Become our clients most reliable source and professional advisors on the insurance field

  • Values

    Professionalism, Integrity, Responsibility, Competence, Quality, Dedication, Technical Values, Confidentiality, Reliability and Transparency

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) 21 321 056 / 87 08 08 07 0