Mozambique Insurance

Specialist Mozambique insurance may be required if you plan to do business in this coastal East African nation. Western businesses have been targeted in Mozambique since 2019, and sporadic violence from Islamic terrorism and armed rebels is always possible, particularly in the gas-rich northern province of Cabo-Delgado. Anyone sending people to work here should ensure that they are properly protected and fully briefed before they come.

Risks to be aware of in Mozambique

Mozambique featured in headlines around the world in 2021, when Islamic extremists mounted a large-scale attack on Palma, in Cabo Delgado province, in which dozens of Westerners were killed. We insured clients working in the gas business here, and have been involved in claims resulting from this action.

Given that many of our clients work in mineral resources and natural gas in the north, we strongly advise robust international Personal Accident insurance with war and terrorism inclusions to protect your people here, and Kidnap and Ransom cover, which will provide a briefing before they go. You may also wish to protect your assets, your business liabilities and consider Trade and Political Risk insurance to cover operational liabilities as appropriate.

Elsewhere in the country, coastal areas are at risk from tropical cyclones during the rainy season (November to April). Widespread flooding can also occur around river basins, especially the Zambezi, Pungue, Buzi, Limpopo and Save. The rainy season (November to April) will also make roads harder to pass, and make some areas impassable. Traffic accidents are common due to the condition of the roads, poor driving and vehicle standards.

Medical facilities are generaly poor; most Westerners would want to carry Medical Evacuation insurance that would enable transfer to quality facilities in South Africa or the Middle-East, should the need arise.