Insurance arranged with utmost good faith.
TMAS Insurance Brokers Co. Limited is an insurance broking and risk management consulting firm at NHC House, 6th Floor, Samora Street, Dar es Salaam. We survey your risk, take it to the market on your behalf, and place your cover with the underwriter offering the most suitable terms — then manage the claim when you need to make one.
Request a quote
Tell us what needs covering. We survey the market and come back with terms.
A broker, a risk adviser, and an extension of your own office
TMAS was incorporated in 2015 to help individual and commercial clients identify what a financial or physical loss would really cost them — and to put the right cover in place before it happens.
We do business on a personal basis. That is what lets us deliver a high level of service, match products to a client's actual needs rather than a standard template, and respond faster in the event of a claim.
More about TMASOur mission
To provide our customers with excellence in consultation and competitively priced quality insurance products — and to service those products beyond their expectations.
Our vision
To meet the needs and expectations of our customers by providing responsive, reliable and affordable service, always acting with the highest level of integrity.
A wide range of general insurance, placed with the right underwriter
TMAS arranges cover across every major class written in Tanzania, alongside risk management consulting and full claims administration.
Fire & perils
Commercial buildings, industries, private dwellings, goods in trade and domestic or business property against fire and allied perils.
View cover →Motor insurance
Third party only, third party fire & theft, and comprehensive cover for private, commercial and special-type vehicles including tractors, trailers, harvesters and forklifts.
View cover →Liability & workmen's compensation
Employers' liability and workmen's compensation for staff injured on duty, plus public liability for injury or property damage caused to third parties.
View cover →Engineering
Contractors all risks, erection all risks and machinery breakdown — for contract works, plant, construction machinery and installed equipment.
View cover →Marine hull & cargo
Hull cover for craft in Tanzanian waters, and marine cargo for goods in transit by sea, air, rail, road or registered post under the Institute clauses.
View cover →Goods in transit
Protection for goods from the moment they leave your premises to final delivery, including loading, unloading and temporary housing in transit.
View cover →Money, burglary & all risks
Cash in transit and in safes, burglary and theft from business premises, all risks cover for property, and fidelity guarantee against employee dishonesty.
View cover →Bonds & guarantees
Customs bonds, immigration and security bonds, tender and bid bonds, and financial guarantee bonds — with the insurer standing as guarantor.
View cover →Travel insurance
24-hour emergency and medical assistance worldwide, trip cancellation, baggage, personal accident and passport cover — accepted for visa applications.
View cover →What differentiates us from other brokers
Risk and insurance management delivered with a personal touch — dedicated attention committed to each client.
Partnership
We act with an attitude of partnership, always on our client's behalf, as a professional extension of their own capability. Our client is paramount.
Objective
Creative solutions to risk financing and insurance problems, supported by a high standard of excellence and professional service.
Role
To understand our client's business, and as risk advisers help them manage physical and financial risk on the most advantageous terms — taking full account of their capacity to accept risk.
Strategy
To be appreciated as more than a service provider: recognised and trusted as an extension of the client's business — their risk and insurance office.
Adding value
We do not profess to hold every peripheral skill in-house, nor do we believe we should. Our role is to manage the risk and insurance affairs of clients and seek out the best available services when they are needed.
Claims
Insurance represents a promise to pay. We minimise our clients' stress by managing the claim process, advising on necessary action and collating documentation for smooth settlement.
We do business across a desk, not across a form
Every risk is somebody's livelihood. That is why we sit down with clients, go through what they own and what they do, and explain in plain language where a policy protects them and where it stops.
“Insurance represents a promise to pay. Our job is to make sure that promise is kept.”
- A named contact who knows your file, not a call queue
- The exclusions explained before you sign, not after you claim
- Your claim documented and pressed on your behalf
From survey to settlement
Understand
Our work plan begins with understanding your requirements for the whole insurance year. Visits to your sites are an integral part of this groundwork.
Survey
We carry out a risk and insurance cover survey, recommend risk reduction measures that lower your premium, and serve you with a proposed rate at the earliest opportunity.
Place
We effect cover with a selected and mutually agreed underwriter, preparing the policy a week before inception or renewal so you are never left unprotected.
Service
Portfolio administration, mid-term adjustments, renewal notices and claims processing on your behalf, throughout the period of insurance.
Using a broker does not add to your premium
The involvement of TMAS does not in any way increase the cost of your insurance. In practice it reduces it, because the most competitive terms are obtained through surveying the market locally and regionally.
As compensation for acquiring clients on their behalf and providing the required services, the insurance company pays commission to TMAS. That commission is not an additional cost to your organisation.
Three things we weigh on every programme
- Scope — that the cover provided genuinely matches the need
- Cost — the price of securing the programme or scheme
- Service — the level of service actually delivered afterwards
Straight answers
Does using a broker cost me more?
No. Brokers are remunerated by commission paid by the insurance company, built into the premium the insurer charges. It is not an additional cost to you — and because we survey the market on your behalf, the terms we obtain are usually more competitive than buying direct.
Which insurers do you place business with?
TMAS has access to the insurance companies operating in the Tanzanian market. Cover is effected with a selected and mutually agreed underwriter — you will always know which company carries your risk and why we recommended them.
How quickly can motor cover be arranged?
For straightforward private motor, cover can usually be arranged the same working day once we have the vehicle details, registration card and payment. Fleets and unusual risks take longer because they require underwriter referral and, often, a site survey.
What do I do first if I have an accident?
Make sure everyone is safe, report to the nearest police station, photograph the scene before anything is moved, and contact us the same day. Do not authorise repairs before the insurer's assessor has inspected. Full guidance is on our claims page.
Can you review a policy I already hold elsewhere?
Yes. We can review an existing policy, identify where the cover is thin, and take over servicing it at renewal — or place it elsewhere if the market offers better terms. We also maintain up-to-date records of unsettled claims and indicate the anticipated date of settlement.
Let us survey your risk
Tell us what you own or what your organisation does. We will identify what is worth insuring, what it should cost, and where your current cover falls short.