RISKCAPE
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Insurance technology

The best operating platform for African insurance

Underwriting, claims, broking, reinsurance, credit control and finance: one platform, one ledger, built for how insurance actually runs in our markets.
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RISKCAPE Insurer

Every module. One ledger.

Twenty-five operational modules — underwriting to reinsurance to payroll — post to a single double-entry general ledger. Month-end stops being archaeology.
  • Quote-to-bind underwriting across all short-term lines
  • Claims with reserves, salvage and subrogation built in
  • PIA returns generated from live data
Explore RISKCAPE Insurer

Capabilities

Built for the whole value chain

Claims that reconcile themselves

FNOL to settlement with reserves, assessor workflows and recoveries posting automatically to the GL.

Salvage marketplace

Public timed auctions with reserves, increments and bidder controls.

Broker suite

Placement, client money and insurer remittances with printable advices.

2

Multi-currency

ZMW and USD side by side with adopted rates.

Mobile apps

Native Android & iOS for policyholders — claims, payments, salvage bids.

One platform, every workflow

See the whole operation

Dashboards that read from operational tables, not exports — production, claims, cash and compliance in real time.

  • Live production and claims KPIs
  • Drill from board pack to source journal

25+ Modules

Platform tour
Overview

Underwrite and settle with guardrails

Authority limits, referral workflows and gap-free numbering keep every action inside policy.

  • Underwriting authority limits
  • Claims approval chains
  • Full audit on every record
Operations

Returns without the spreadsheet season

PIA, levy and IFRS 17 outputs generated from the same ledgers you operate on.

  • PIA insurer & broker returns
  • IFRS 17 measurement pack
Reporting

Let the platform do the posting

Every operational event writes its own journals, numbers its own documents and notifies the right people.

  • Auto GL posting
  • Email and in-app notifications
Automation

Self-service that customers actually use

Portal and native apps for policies, claims, payments and salvage bidding.

  • Native Android & iOS
  • Mobile-money premium payment
Customer experience

How it works

From cover to recovery

  1. Quote & bind

    Rate, quote and bind with frozen premium breakdowns and instant document packs.

  2. Collect

    Debit notes, receipts and mobile-money collections allocated to the policy.

  3. Settle claims

    Reserves, assessments and settlements with finance visibility from FNOL.

  4. Recover salvage

    Write-offs go to public auction; winning bids post back to the claim.

  5. Report

    Month-end and regulatory returns straight from the ledger.

The platform in numbers

25+
Operational modules

From underwriting to payroll

2
Currencies per tenant

ZMW and USD throughout

99.9%
Uptime target

Managed cloud SLA

8
Weeks to first go-live

Single line of business

Ecosystem

Connected to the rails that matter

Mobile-money collection, regulatory submissions and an open API for everything else.

Talk to us about integrations
  • Airtel Money
  • MTN MoMo
  • ZRA
  • PIA
  • ZIDB
  • SMTP
  • REST API
POST /api/v1/claims 200 OK 
{
  "policy_no": "POL/2026/001234",
  "loss_date": "2026-07-01",
  "description": "Front-end collision, Great East Rd",
  "documents": ["photo_1.jpg", "police_report.pdf"]
}

Frequently asked questions

RISKCAPE is an insurance operating platform: a core system for insurers, a broker administration system, a public salvage marketplace and native mobile apps — all sharing one data model.

General insurers, brokers, bancassurance distributors and microinsurance schemes operating in African markets, with Zambia as our home market.

Either. Most customers run our managed cloud; regulated entities with data-residency requirements can deploy on infrastructure in-country.

A single line of business is typically live in 8–12 weeks. Full multi-line migrations run one line at a time over a quarter or two.

Yes — policies, claims, ledgers and documents. Migration tooling and reconciliation reports are part of every implementation.

Yes. Insurer and broker returns are generated from live operational data, aligned to the Pensions and Insurance Authority templates.

See RISKCAPE on your own portfolio

A 30-minute walkthrough with our product team — your lines of business, your workflows, your questions.

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