Treaty placement
Structured placement of proportional and non-proportional programmes aligned to underwriting strategy, retention, and market capacity.
Licensed Reinsurance Intermediary · Lusaka, Zambia · Independent
Sapphire Reinsurance Brokers Limited
Independent intermediary services connecting insurers in Zambia and the wider region with global reinsurance markets through disciplined placement, technical insight, and responsive execution.
Focused on treaty and facultative placement, claims support, and advisory solutions shaped by technical judgement and market discipline.
Services
Disciplined risk transfer, delivered across core services.
Sapphire supports insurers with treaty and facultative placement, claims recovery, and risk advisory through a disciplined, technically grounded approach.
Facultative placement
Targeted facultative placement for large, complex, or sensitive risks requiring bespoke structuring and direct market negotiation.
Claims advocacy and recovery
End-to-end claims and recovery support, from notification through resolution, ensuring coordinated engagement and efficient recoveries.
Risk advisory and training
Portfolio structuring, technical advisory, and targeted training to strengthen underwriting discipline and internal capability.
Approach
A structured approach to risk, placement, and execution.
Sapphire operates through a disciplined, technically grounded approach, combining independent placement, structured analysis, and close market engagement to deliver consistent outcomes.
Market Resilience
Independent placement and disciplined structuring enable clients to respond to changing market conditions with confidence and continuity.
Strategic Renewals
Renewals are approached as strategic inflection points to reassess retention, optimise programme structure, and align coverage with evolving priorities.
Market Intelligence
Technical analysis and market insight support informed decision-making, enabling clearer positioning and more effective engagement with reinsurance markets.
Leadership and Governance
Experienced leadership, grounded in technical and strategic expertise.
Sapphire’s leadership brings experience across reinsurance, finance, legal, and corporate governance, providing technical judgement and strategic oversight from the outset.
Board and Executive Leadership
M’boo Mumba
Board Chair
Brings over 20 years of experience in finance, banking, and corporate leadership, including senior roles at Zambeef Products PLC and Standard Chartered Bank Zambia PLC.
Margaret Banda Kambobe
Non-Executive Director
Has over 23 years of experience in Zambia’s insurance industry across reinsurance, underwriting, claims, and marketing, including leadership roles at NICO Insurance Zambia and PICZ.
Pethel Chambwe Phiri
Non-Executive Director
Brings over 20 years of experience across finance, audit, and corporate governance. Currently Director of Finance at ZICTA, with prior senior roles including Acting Director General at ZICTA and Director of Finance at the Energy Regulation Board.
Christabel Musumali Lungu
Chief Executive Officer
Brings over 10 years of experience in general insurance, including 7 years in reinsurance, with prior roles at Sovereign Reinsurance Brokers, Guardian Reinsurance Brokers, and Focus General Insurance.
Thantwe Kwenda
Chief Financial Officer
Brings over 20 years of experience in audit, accounting, and business advisory across Zambia, Mozambique, and the Channel Islands, including roles at Rock Insurance Brokers, Deloitte, KPMG, and BDO.
Legal Advisory
Mwimba Chimuka Simwinga
Group Company Secretary, Legal and Compliance
Brings expertise in corporate and commercial law, governance, and regulatory compliance as well as her experience as an Advocate of the High Court of Zambia. She holds an LLB from Cavendish University and an LLM from the University of Cape Town, with experience serving as Company Secretary and Legal Counsel within the insurance sector.
Advisory Scope
Supports legal review, regulatory alignment, corporate governance, contracting, and general structuring matters as the firm develops its operating platform and market relationships.
Values
Values that anchor how we operate.
Our work is guided by eight core principles, applied consistently across every client engagement and market interaction.
Careful management of risk, capital, and relationships.
Ownership of advice, placements, and commitments.
Technical accuracy, discipline, and compliance.
Long-term relationships with clients and market collaborators.
Transparency in every transaction.
Strategic risk solutions for evolving markets.
Timely execution and responsive service.
Continuous improvement and strong performance in every engagement.
Strategic Direction
A strong local foundation with a regional outlook.
Sapphire is focused on disciplined growth, building strong partnerships, and developing technical capability to support clients across regional markets.
Our focus is on sustainable growth, strong market relationships, and consistent delivery across reinsurance placements.
Contact
Start a conversation with Sapphire.
Connect with Sapphire to discuss reinsurance placement, claims support, or advisory needs.