Zenisk Insurance Brokers

Commercial Insurance for SMEs, MSMEs and Industry

Advisory Led. Claims Ready.

From factories and infrastructure projects to seafood exporters, hotels, and premium vehicles, we structure protection around how your business actually operates.

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Business and commercial insurance

Start With the Risk, Not Just the Policy Name

We help promoters, finance teams, and operations leaders organise business exposures into an insurer-ready programme.

SME and MSME protection

Bring property, machinery, liability, transit, and employee risks into one structured review.

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Assets and projects

Review fire, engineering, project, equipment, stock, and business interruption exposures.

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People and liabilities

Consider employee benefits, public and product liability, professional exposure, and statutory covers.

Review liability risks Help

A loss has occurred

Get help with claim notification, filing, evidence, survey coordination, and insurer follow-up.

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From Risk Review to Claim Support

Understand the operation

We review activities, locations, assets, contracts, people, loss history, and existing controls.

Build a comparable submission

Insurer responses are organised around premium, limits, deductibles, extensions, and exclusions.

Support the policy lifecycle

Stay supported through issuance, endorsements, renewals, claim filing, and insurer coordination.

Insurance Built Around the Enterprise

For growing businesses, the right programme should connect assets, contracts, people, and continuity rather than treat each policy in isolation.

Your Business

We identify exposures specific to your activity and operating footprint, then help assemble a clear submission for insurers. The goal is practical protection that can stand up to scrutiny when a loss occurs.

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Fire & Property Engineering & Projects Liability Employee Benefits Commercial Motor Risk Advisory

You and Your Family

Our retail focus is deliberately practical: health protection, term life, retirement income, and motor insurance. We help compare the details that affect outcomes, not premium alone.

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Health Term Insurance Pension & Annuity Motor

Commercial Risk Solutions

Core covers that can be combined around the needs of an SME, MSME, project, or industrial operation.

Fire, Property & Interruption

Protect premises, plant, stock, and the financial impact of an insured interruption.

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Engineering & Project Risk

Cover construction, erection, testing, plant, machinery, and third-party exposures.

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Marine Cargo & Transit

Structure domestic, import, and export transit protection around actual trade movement.

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Liability Protection

Review public, product, employer, professional, and contractual liability exposures.

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Employee Benefits

Support employee health and accident protection with structured census and claims review.

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Claims Consultancy & Filing

Assistance with notification, filing, documentation, survey coordination, and escalation.

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Priority sectors

Industry Context Changes the Insurance Conversation

We are building deeper risk and claims expertise in four sectors where operational detail matters.

Seafood & MarineProcessing, cold chain, cargo, export, and marine exposures

Engineering, Construction and Infrastructure

Engineering, Construction & InfrastructureProjects, equipment, contracts, liability, and delay risks

Hotels & TourismProperty, guests, food liability, interruption, and events

Premium & Super CarsHigh-value vehicles, specialised repairs, add-ons, and claims

Practical Starting Points

Prepare a better insurance discussion before approaching the market.

Building an Insurer-Ready Business Submission

Organise locations, assets, activities, loss history, contracts, and controls before quotation.

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What to Do Immediately After a Loss

Preserve evidence, notify the right parties, mitigate further loss, and build a clear claim record.

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Retail Protection That Deserves a Closer Look

Compare health, term, pension, and motor protection on benefits and conditions, not price alone.

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Claims-first support

Claims consultancy from first notice to insurer follow-up.

Zenisk can help clients notify and file claims, organise supporting evidence, coordinate with surveyors or TPAs, track insurer requirements, and structure escalations when authorised by the client.

File or Track a Claim How We Support Claims

Insurance Partners We Work With

We engage with insurers across life, health, and general insurance based on client requirements and available products.