CarninghamInsurance BrokersBased in Francistown, Carningham Insurance Brokers works exclusively for you not the insurance companies. We deliver impartial advice, tailored risk solutions, and competitive rates you can count on.
Carningham Insurance Brokers was established in 2005 to pioneer client first financial and risk advisory services in Botswana. Registered and regulated as a Non-Bank Financial Institution by NBFIRA, Carningham operates from its head office in Francistown, supporting clients across all regions of Botswana.
Unlike single insurer corporate agents, Carningham operates with total independence. We act as your fiduciary advocate, analysing competing products across both short term (property, casualty, commercial) and long term (life assurance, pensions, group benefits) sectors. This enables us to structure cost effective, high value insurance portfolios designed explicitly for your needs.
Bringing over two decades of collective market expertise, our firm combines technical precision with personal service. We stand by our clients from initial risk assessment through to rapid claim resolution, earning long term partnerships built on transparency, technical competence, and unwavering support.
To safeguard what matters most to individuals, families, and businesses across Botswana by providing transparent, independent insurance advisory and swift claims advocacy.
We are not tied to any single underwriter. Operating with total independence, our advice remains strictly impartial. We answer directly to you, recommending coverage that serves your best financial interests and nothing else.
We deliver straightforward, honest counsel in plain language, free from insurance jargon or high pressure tactics. You will always understand the full scope of your coverage and the exact reasoning behind our recommendations.
Fully licensed and compliant under NBFIRA regulations, we bring profound insight into Botswana's unique risk landscape. Our local presence ensures your protection is engineered for the real challenges Batswana face.
You receive direct access to an expert advisor, not a generic call centre. The dedicated professional who structures your policy is the same specialist who guides you whenever you need support.
We systematically analyse and compare solutions across Botswana's premier short term and long term insurance markets. This broad access allows us to secure superior coverage and optimal value without added effort on your part.
When adversity strikes, we stand firmly in your corner. We handle complex paperwork, manage negotiations with underwriters, and advocate aggressively to ensure your claims are paid fairly and without unnecessary delays.
Direct insurers sell you their products. Independent brokers source the right products for you. We leverage market wide access to compare rates, terms, and coverage across Botswana's leading insurers, delivering unbiased recommendations backed by end to end client advocacy.
Unbiased Market Comparison
Access competitive rates and broad coverage options across multiple top tier insurers.
Precision Underwriting Review
Clear interpretation of policy terms and realistic sum insured assessments to protect your assets.
Fiduciary Claims Advocacy
Professional representation during claims, removing administrative burden and accelerating payouts.
Carningham Insurance Brokers operates as a fully licensed and supervised insurance brokerage under the authority of the Non-Bank Financial Institutions Regulatory Authority (NBFIRA).
In strict compliance with the Insurance Industry Act, 2015, insurance brokers in Botswana are subject to rigorous statutory benchmarks before advising clients or handling premium transactions. These statutory safeguards include:
Capital Adequacy Standards
Maintaining sound financial solvency and minimum capital reserves to ensure operational stability.
Professional Indemnity Protection
Carrying robust Professional Indemnity insurance to safeguard clients against professional errors, omissions, or financial loss.
Fit and Proper Governance
Meeting strict governance criteria regarding integrity, technical competence, and leadership capability for company directors and key officers.
This stringent regulatory framework guarantees that when you partner with Carningham, you work with a fully accountable, audited, and supervised risk advisory firm dedicated to protecting your interests.
Generally, no. Broker fees and commissions are already structured into standard market premiums by insurance underwriters. As a result, partnering with an independent broker typically costs you no more than purchasing directly from an insurer, while delivering significantly greater value. When you choose Carningham, your premium includes:
Unbiased Market Access
Whole of market comparisons across Botswana's top short term and long term insurers to negotiate optimal rates.
Expert Fine Print Analysis
Professional risk assessment to ensure accurate policy structures and prevent costly under insurance.
Fiduciary Claims Advocacy
Full representation during loss adjustments to secure fast, fair claim payouts without the administrative burden.
In short, you receive independent expertise, personalised advisory, and dedicated claims support, delivering far more value for every Pula invested.
Let Carningham compare Botswana's leading insurers for you and structure cover that genuinely fits your needs. Honest advice, dedicated claims support, and zero obligation.