CarninghamInsurance Brokers

Motor Insurance

Drive with total confidence

From comprehensive and third party policies to commercial fleet cover, we offer reliable protection, rapid claims handling, and hassle free windscreen options tailored to your needs.

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Home Insurance

Protect what matters most under your roof

From the structure itself to your most cherished belongings, safeguard your home against fire, theft, storms, and accidental damage with complete, worry free coverage.

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Life Insurance

Protect What Matters Most

From flexible term assurance to whole of life and endowment plans, build a personalized safety net designed for your family’s needs and budget

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Business Insurance

Keep your business protected and thriving

Property, liability and asset cover built around how your business actually operates.

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Funeral Cover

Dignified cover when family needs it most

Affordable funeral plans with fast pay outs peace of mind for you and your extended family.

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Travel Insurance

Explore the world with zero worry

Single trip and annual cover medical emergencies, cancellations, lost luggage and delays worldwide.

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Disability & Critical Illness Cover

Financial continuity through life's toughest challenges

Immediate lump sum cash funds and ongoing monthly income protection safeguard your independence and family assets when severe illness or sudden disability strikes.

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Workers' Compensation

Protect your workforce, fulfil your statutory duty

Secure mandatory coverage for workplace injuries, medical expenses, lost wages, and occupational diseases keeping your team supported and your enterprise fully compliant.

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Contractors All Risk (CAR)

Build boldly, protect every phase

From groundwork to completion, our comprehensive Contractors All Risk insurance covers civil construction works, on site materials, and third party liabilities against sudden loss or damage.

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Personal Accident Cover

Prepared for the unexpected, protected for the road ahead

Accidents happen without warning, but your financial stability shouldn't be shaken. Secure instant peace of mind and robust income protection while you recover.

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Hospital Cash Benefits

Financial flexibility when you're bedridden

Hospitalization interrupts daily life and earnings. Our Hospital Cash Benefit pays a fixed cash amount for every day in hospital, so you're free to use the funds where you need them most.

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Savings, Education & Retirement Planning

Tailored wealth strategies for life's greatest milestones

Great financial futures are built with intention. Our structured savings and retirement solutions help your children access quality education while securing a comfortable, tax optimized income for your golden years.

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Fire & Allied Risks

Total safeguard against unforeseen disasters

Don't let catastrophic events threaten your hard earned investments. Our Fire & Allied Risks cover protects facilities, stock, and equipment against fire, explosions, weather hazards, and water damage.

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Business Interruption

Financial continuity when the unexpected strikes

Major property damage disrupts more than your building it impacts your bottom line. We bridge the gap by maintaining cash flow, covering payroll and overheads, and replacing lost profits during recovery.

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Liability & Professional Risk

Defend your practice, safeguard your reputation

One legal claim shouldn't jeopardize years of hard work. From professional indemnity to public and general liability, our tailored protection shields your firm against unforeseen claims and legal liabilities.

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Credit Life & Group Benefits

Protect your capital, empower your workforce

From debt cancelling Credit Life solutions to comprehensive Group Life benefit packages, we secure your balance sheet while offering world class protection for your employees.

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Licensed & Regulated

Independent Advice

20+ Insurer Partners

Dedicated Claims Support

Mon to Fri 07:45 to 18:00

Insurance Cover

Protection for every part of your life

One broker, complete cover. Click any card to see what's included.

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Motor Insurance

Comprehensive cover
Third party liability
Fleet & commercial
Windscreen damage
Theft & hijack
Fast claims process

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Home Insurance

Building structure
Home contents
Fire & storm
Theft & burglary
All risk cover
Accidental damage

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Life Insurance

Term life cover
Whole of life
Cashback plan
Hospital cash
Critical illness
Disability cover

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Business Insurance

Theft & BurglaryProfessional IndemnityMoney InsuranceOffice ContentsElectronicsFleet CoverPublic LiabilityFidelity GuaranteeGoods in TransitBusiness Interruption

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Funeral Cover

Main member up to P100k
Children up to P50k
5 kids at price of one
Extended family
Fast pay out
Affordable premiums

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Travel Insurance

Medical emergencies
Trip cancellation
Lost luggage
Flight delays
Local & international
Emergency evacuation

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From private vehicles to commercial operations, our motor policies deliver robust financial defense and effortless claims processing when you need it most.

Full Spectrum Cover

Flexible choices ranging from Third Party liability to full Comprehensive protection.

Fleet & Business Protection

High capacity insurance built around your company's operational demands.

Peril & Security Shield

Total safeguard against fire, theft, hijacking, and windscreen damage.

Fast Track Claims

Streamlined settlement process designed to minimize downtime.

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Your home is your sanctuary and your largest investment. Our comprehensive Home Insurance policies cover every layer of your property from the foundation to your finest personal items against life's unexpected disruptions.

Buildings & Structures

Full coverage for main residential buildings, outbuildings, perimeter walls, gates, and permanently fitted fixtures against fire, storm, lightning, and structural damage.

Household Contents

Protection for your furniture, appliances, electronics, and home decor against theft, housebreakings, power surge damage, and burst pipes.

Valuables & Personal Assets

Worldwide cover for portable items like jewelry, laptops, smartphones, and high value accessories inside or outside the home.

Liability Protection

Financial defense against legal claims if guests or third parties suffer accidental injury or property damage on your premises.

Get a quote for Home cover

We offer a comprehensive suite of life, health, and investment solutions designed to safeguard your family, secure your assets, and protect your business at every stage of life.

Term Assurance

Budget friendly coverage that provides pure financial protection for a specified period.

Whole of Life Assurance

Lifelong guaranteed financial cover ensuring a permanent safety net for your family.

Joint Life Assurance

Dual cover policies designed for couples and business partners under a single plan.

Credit Life / Mortgage Protector

Dedicated policies that pay off mortgages, personal debt, or commercial credit lines upon death, disability, or severe illness.

Keyman Insurance

Financial protection shielding your business from loss if a critical executive or vital team member passes away or becomes disabled.

Education & Savings Plans

Purpose built investment solutions structured to fund your children's academic future.

Endowment Assurance

Balanced savings and life protection plans designed to reach major medium to long term financial goals.

Get a quote for Life cover

We offer comprehensive funeral protection delivered through leading insurance partners for main members, spouses, children, parents, extended family dependants and domestic workers.

24 Hour Claim Settlement

Rapid payout processing when every hour counts.

Extended Family Coverage

Complete peace of mind for parents and dependants.

Cross Border Flexibility

Covers family members resident in Botswana and abroad (within territorial limits).

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A comfortable retirement doesn't happen by chance; it starts with proactive planning. Our tailored Retirement Annuity Plans maximize your capital growth while offering optimized tax advantages, giving you a steady financial stream for a stress free, fulfilling post career life.

Tax Optimized Growth

Capitalize on government tax incentives to accelerate your wealth.

Reliable Income Stream

Guaranteed monthly payouts to sustain your desired lifestyle.

Personalized Independence

Flexible contribution structures built around your goals.

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Whether you're saving for a major asset, building an emergency fund, or creating a legacy for your family, we have the right investment strategy for you. Our flexible savings and capital accumulation plans are tailored to grow your wealth safely and consistently.

Goal Focused Strategies

Structured plans designed for education, property, or major milestones.

Capital Accumulation

Optimized returns to accelerate long term personal wealth.

Flexible Contributions

Customized investment limits tailored to your cash flow.

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Higher education costs continue to rise, but your child's ambition shouldn't be limited by financial constraints. Our dedicated education plans provide disciplined capital growth paired with guaranteed payouts upon maturity ensuring your child's academic journey is completely secure, no matter what happens.

Tuition & Academic Fees

Guaranteed funds to cover university, college, or school fees at key academic milestones.

Learning Materials & Expenses

Direct funding for textbooks, essential technology, and specialized study equipment.

Living & Accommodation Costs

Financial support to assist with housing and living allowances during study years.

Guaranteed Maturity Payout

Safe, systematic wealth accumulation delivering a lump sum payout when your child comes of age.

Premium Protection Waiver

Built in safeguards ensuring policy contributions continue even in the event of parental death or disability.

Get a quote for the Educator Plan

Your ability to earn an income is your most valuable asset. Our Disability Cover ensures that a sudden health crisis or accident doesn't disrupt your family's lifestyle or long term financial independence, giving you the time and resources to recover with confidence.

Lump Sum Payouts

Upfront capital payouts to clear major debts, cover medical modifications, or adjust your living arrangements.

Monthly Income Replacement

Regular financial support replacing your earnings to cover ongoing family bills and daily expenses.

Total & Partial Cover

Tailored policies protecting against temporary injuries, permanent disablement, or specialized career disability.

Get a quote for Disability cover

Hospital stays bring hidden costs that standard medical aid doesn't touch. Our Hospital Cash Plan delivers direct, tax free daily cash stipends for every day you are admitted, giving you complete freedom to handle groceries, travel costs, and monthly living expenses without financial stress.

Direct Cash Payouts

Fixed daily funds paid directly to your bank account not the hospital.

Unrestricted Spending

Use your payouts for household bills, family travel, home care, or lost daily income.

Zero Medical Aid Friction

Works independently alongside any existing health insurance or medical scheme.

Immediate Relief

Fast claims processing to support your family while you recover.

Get a quote for Hospital Cash

A major diagnosis brings enough emotional stress without the burden of soaring healthcare bills or scheme limits running out. We bridge the financial gap with lump sum cash payouts, allowing you to access world class treatment, fund specialized therapies, and focus entirely on your recovery.

High Value Lump Sum Payouts

Upfront cash funds paid directly to you upon diagnosis of conditions like cancer, stroke, or heart attack.

Bypasses Medical Aid Limits

Bridges financial gaps when traditional healthcare schemes cap benefits or exclude specialized procedures.

Complete Financial Freedom

Use payouts for advanced private treatments, rehabilitation, travel expenses, or lifestyle adjustments.

Estate & Asset Protection

Protects your family savings and assets from being liquidated to cover medical emergencies.

Get a quote for Critical Illness cover

A great employee benefits program is the foundation of a competitive business. Our tailored Group Solutions combine life cover, disability support, and immediate funeral benefits into a single, cost effective package designed to safeguard your team's financial well being.