A real needs analysis
We work through your buildings, stock, plant, vehicles, staff and liabilities line by line — the same schedule we use for corporate accounts. It is the difference between a policy that looks right and one that is right.
Licensed insurance agent · Gaborone & Francistown
Buying the policy is easy. Making sure it pays is the work.
Most people find out what their policy actually covers on the worst day of their life. INERCA exists to make that day a non-event — we analyse your risk line by line before you sign, structure the cover to match it, and act for you when you claim. Our specialists carry more than 29 years of combined experience in Botswana's insurance industry.
29+ yearsCombined insurance experience across our specialists
NBFIRA licensedLicence 2/10/686 · Insurance Industry Act 2015
40+ classesFrom motor and household to aviation, marine and bonds
Two officesGaborone CBD and Francistown
Our approach
Three things that decide whether a claim pays.
Almost every declined claim traces back to a decision made long before the loss — the wrong sum insured, a section left off, a condition nobody explained. This is where we do our work.
Cover structured, not sold
Sums insured set against real replacement values, the right sections selected, and the exclusions pointed out in plain language rather than buried in a schedule you will never open.
We argue your claim
Claims advocacy is the part people only value once. We prepare the claim, push it through the insurer, and challenge a repudiation we believe is wrong. You are not doing that alone.
Free tool · no obligation
Find out what your business is exposed to. Three minutes.
The needs analysis we run for corporate accounts, turned into something you can do yourself on your phone. Tap through a handful of questions about how your business operates — no policy numbers, no documents, no exact figures — and get a written risk profile naming the covers that apply to you and the gaps that matter most.
You see your profile before we ask for a single contact detail.
Your profile so far
12covers identified
Workers Compensation
Business Interruption
Public Liability
Motor — Commercial & Fleet
Goods in Transit
Fidelity Guarantee
Cover placed with insurers who can pay it.
Your policy is issued and your claim is settled by the underwriter. Our job is getting you to the right product and holding the process to account.
Who carries the risk
Who actually carries your risk.
INERCA Holdings (Pty) Ltd is licensed by NBFIRA to act as an insurance agent for two underwriters. Your policy is issued and your claim is paid by them; our job is to get you to the right product and to hold the process to account.
Hollard Insurance Company of Botswana
The largest non-life insurer in Botswana following its amalgamation with Regent Botswana, and part of the Hollard Group — founded in 1980, privately owned, with more than 10 million policyholders across four continents and a presence throughout the SADC region.
Covers everything from motor and household through to engineering, marine, aviation and liability classes.
Westlife Insurance Botswana
Our appointed life underwriter, covering life assurance, funeral benefits and the personal protection side of a household or employee benefits programme.
Where a family needs both — a funeral plan and cover on the house it lives in — we structure them together rather than as two unrelated products.
Schedule of cover
What we place.
From a single bakkie to contractors all risks on a live site. If you are not sure which of these applies to you, that is exactly what the needs analysis is for — start with a conversation, not a product.
Part A
A01 / MOTMotor — private vehiclesCars and bakkies, comprehensive or third partyGet quote →
A02 / HOBHouse ownersThe building itself — structure, walls, fixturesGet quote →
A03 / HHDHouseholders & all risksContents, plus the items you carry out of the houseGet quote →
A04 / LIFLife insuranceIncome replacement for the people who depend on youGet quote →
A05 / FUNFuneral coverImmediate cash for the family, extended-family optionsGet quote →
A06 / PACPersonal accidentInjury, disability and death benefits outside of workGet quote →
A07 / TRVTravel insuranceMedical, cancellation and baggage cover abroadGet quote →
Personal & family
Individuals, young professionals and households
Part B
B01 / FIRFire & allied perilsPremises, stock and plant against fire, storm, floodGet quote →
B02 / CSLConsequential lossThe income you lose while you cannot tradeGet quote →
B03 / BURBurglary & theftForced-entry loss of stock, equipment and cashGet quote →
B04 / OFCOffice combinedContents, machines, documents and liability in oneGet quote →
B05 / MNYCash / moneyTakings in the safe, in transit, and on the personGet quote →
B06 / GITGoods in transitStock on the road, cross-border haulageGet quote →
B07 / ELEElectronic equipmentServers, POS, specialised electronics and dataGet quote →
B08 / PLTPlant all risksMobile plant, yellow machines, owned or hired inGet quote →
B09 / FIDFidelity guaranteeTheft or fraud committed by your own employeesGet quote →
B10 / WCAWorkers compensationStatutory cover for injury on dutyGet quote →
B11 / GLSPlate glassShopfronts, display windows and internal glazingGet quote →
B12 / AGRAgricultureLivestock, crops, irrigation and farm assetsGet quote →
B13 / MTCMotor — commercial & tradeFleets, trucks, motor trade internal and externalGet quote →
Business & commercial
SMEs, contractors and corporates
Part C
C01 / CARContractors all risksThe works, plant and liability on a live siteGet quote →
C02 / EARErection all risksInstallation and commissioning of plantGet quote →
C03 / ENGEngineering & machinery breakdownMachinery, boilers and pressure vesselsGet quote →
C04 / BNDBonds & guaranteesPerformance, advance payment and retention bondsGet quote →
Engineering, construction & bonds
Contractors, consultants and project owners
Part D
D01 / PPLPublic & products liabilityWhen your operation or product injures a third partyGet quote →
D02 / PINProfessional indemnityConsultants, engineers, accountants, medical practicesGet quote →
D03 / CARCarriers liabilityLoss or damage to goods you carry for othersGet quote →
D04 / DNODirectors & officersPersonal liability of the people who run the companyGet quote →
Liabilities
When someone else's loss becomes your bill
Part E
E01 / MHLMarine hull & cargoVessels, imports and consignments in transitGet quote →
E02 / AVHAviation hull & liabilityHull, passenger and third-party liability, sparesGet quote →
E03 / APLPilots personal accident & loss of licenceCover for the crew, not just the aircraftGet quote →
E04 / HWPHull war & political risksExposures outside the standard aviation policyGet quote →
Marine & aviation
Specialist classes, placed on referral
How it works
Five steps, and you only do the first one.
A genuine sequence, not a slogan. Here is what happens between your first message and your policy documents.
You tell us what to protect
Ten minutes on WhatsApp, the phone, or the form on this page. No documents needed yet.
TodayWe run the needs analysis
Buildings, stock, plant, vehicles, staff and liabilities, worked through line by line and turned into insurance data.
1 working dayWe quote and recommend
You get the cover priced, the sections explained, and a written recommendation with the reasoning behind it.
1–2 working daysCover is placed
You accept, we place and confirm cover with the underwriter, and your policy schedule and documents follow.
Same dayWe stay on it
Service meetings quarterly or on demand, a renewal review each year, and claims advocacy whenever you need it.
Ongoing
Already a client
Lodge a claim.
Report it to us as soon as it happens, even if you are not sure it is claimable — late notification is one of the most common reasons a valid claim gets repudiated. Lodging online fills in Hollard's own claim form for you and hands it back as a PDF, so you are not printing anything or deciphering an insurer's layout.
Have these ready if you can
- 01Your policy number — on your schedule, or we will look it up
- 02Date, time and place of the incident
- 03Photographs of the damage or loss
- 04Police report or case number for theft, accident or malicious damage
- 05Quotations or invoices for repair or replacement
- 06Third-party details where another person was involved
What we stand on
Our values.
Our vision is to deliver customised risk management solutions to our clients on a convenient management information systems platform, through empowered employees and communities.
Trust
Our relationship with clients and stakeholders is built on trust and respect.
Loyalty
Long-term relationships, kept current through continued research into our clients' trading environment.
Integrity
We uphold the highest standards of integrity in all our operations.
Collaboration
Our people are empowered to serve clients in conjunction with our stakeholders.
Community
We form partnerships with the communities we operate from, and prioritise youth empowerment.
Corporate social responsibility
The communities we work in are stakeholders, not an audience.
Our communities are key stakeholders in our business operations. We prioritise serving them through continuous engagement with the representatives who speak for them — for information, for validation, and for support. Two things we have done about it.
01 · Seepapitso Senior Secondary School, Kanye
A court reclaimed, a future renewed
The netball court at Seepapitso had been losing ground to bush for years. It is where students learn teamwork, build confidence and find out what they are good at — and it was disappearing under the vegetation.
To mark our fifth anniversary we chose to commemorate the milestone by clearing it. Our team worked alongside the school community, with plant on site, until the court and its surroundings were usable again. Not a cheque and a photograph — days of work, finished.
02 · INERCA Baby
Touching hearts, one bundle at a time
We launched INERCA Baby with a visit to the clinic — donating bundles of baby clothes, warm blankets and feeding bottles to mothers and their newborns, so that a family's first weeks start with a little less to worry about.
The day was carried by the people who turned out for it. Together we are building a warmer, brighter future for the next generation.
Five years of INERCA, measured not only by business but by the lives it touches and the communities it strengthens.
Get a quote
Tell us what you need covered.
Fill this in and it opens a message to our WhatsApp with your details already written out — you just press send. Or email it instead. Either way a person who understands the cover picks it up, not a call centre.
No cost to enquire
Quoting and advising costs you nothing. Our commission is paid by the insurer.
Analysis before product
We work out what you are exposed to first, then price it — not the other way round.
One person, start to finish
Whoever quotes you handles your renewal and your claim. You will know their name.
Gaborone and Francistown
Two offices, and a WhatsApp line that is monitored for claims outside office hours.
Find us
Come in, or reach us where you are.
Two offices, one service desk. If you are outside Gaborone and Francistown, WhatsApp is the fastest way to reach a person.
Gaborone
3rd Floor, Unit 6
Morojwa Mews, Plot 74770
CBD, Gaborone
Botswana
Service desk
service@inerca.co.bw WhatsApp +267 72 102 097New quotes, policy changes, claims and renewals all start here.
Office hours
Monday – Friday
08:00 – 17:00
WhatsApp is monitored outside these hours for claims and emergencies.
Document centre
Open the document centre
Every Hollard wording, claim form and KYC form.
Searchable, free to download, no login. Stop waiting for someone to email you a policy wording.