Eswatini Royal Insurance Corporation (ESRIC)

Serving the heart of Mbabane and the broader Hhohho District, Eswatini Royal Insurance Corporation (ESRIC) stands as a pillar of financial security and protection. For decades, ESRIC has been safeguarding what matters most to emaSwati, building a reputation not just on comprehensive policies, but on a foundation of genuine care and respect. As the leading insurance company in the nation, we understand the unique landscape of Eswatini, from the bustling commercial hubs in Mbabane to the quiet family homes across the countryside, and we tailor our solutions to fit every stage of life and business.

Our commitment is simple: to ensure your tomorrow, today. This promise is woven into every interaction, from the initial consultation at our head office, Insika House on Somhlolo Road, to the swift and empathetic handling of a claim. We are not just an insurance provider; we are a partner in your journey, helping individuals, families, and businesses navigate uncertainty with confidence. The corporation is deeply interwoven with the Eswatini economy, providing a robust safety net that empowers industries and individuals to thrive.

Comprehensive Life Insurance Solutions

Planning for the future requires more than just hope; it demands a solid strategy. Our life insurance portfolio is designed to protect your loved ones, secure your business interests, and build a lasting legacy. We offer a full spectrum of policies that cater to both personal ambitions and corporate responsibilities, ensuring that no matter what tomorrow brings, your plans remain intact.

Personal Life & Investment Plans

For individuals and families, we provide essential protection through policies like Wonkhe Wonkhe Funeral Cover, which eases the financial burden during a time of loss, and Individual Life Policies that can be customized to your needs. Beyond protection, we help you grow your wealth with a suite of investment products. Our LILUNGA Pure Endowment, Endowment Assurance, and Single Premium Investment Plans are designed to help you reach key milestones, whether it's funding a child's education at the University of Eswatini or securing a comfortable retirement in the Hhohho hills.

Corporate Life & Group Benefits

Businesses, from small enterprises to large industries that form the stronghold of the Eswatini economy, rely on our corporate life solutions. Our Group Life Assurance, Credit Life, and Business Pension plans help attract and retain top talent. The Mortgage Protection Plan (MPP) safeguards a company's most valuable assets, while our Group Funeral Cover and Disability Cover demonstrate a profound commitment to employee welfare. A key differentiator is our Beneficiary Fund, which ensures that death benefits are managed responsibly for the long-term security of dependents.

Robust Non-Life & General Insurance Coverage

Life’s uncertainties don't always involve mortality; they also come in the form of accidents, theft, and property damage. Our Non-Life division provides a fortress around your assets, giving you the freedom to live and operate without fear. From your very first car to the home you build and the business you grow, ESRIC shields what you've worked so hard to acquire.

Personal Asset Protection

Our personal lines are crafted for the Eswatini lifestyle. Our widely trusted Private Motor Insurance offers options like Zero Excess, Cashback, and Pay-As-You-Drive (PAYD) to reward safe driving on roads from the MR3 highway to local routes. We protect your sanctuary with House Owners and House Contents Insurance, and we offer Personal Liability cover in case of unforeseen claims against you. For the adventurous emaSwati, our Travel Insurance and innovative Cellphone Insurance provide a global and digital safety net, ensuring you're covered whether you're crossing borders or just crossing the street.

Business & Commercial Shield

For the commercial sector, we are a strategic partner in risk management. Our Workmen's Compensation policy is a legal and moral imperative for any employer, while Fidelity Guarantee protects businesses from internal financial risks. Our fire insurance policies for commercial properties are backed by our extensive experience, offering some of the most reliable coverage in the Hhohho District. We understand that a claim's speed is as important as its payout; our dedicated claims department, reachable at dept.claims@sric.sz, works tirelessly to get businesses back on their feet with minimal disruption.

Why Our Clients in Mbabane & Beyond Choose ESRIC

In a market with choices, the Eswatini Royal Insurance Corporation consistently earns the trust of individuals, families, and corporations. Our clients don’t just choose a policy; they choose a relationship built on a 4.5-star reputation, active community engagement, and a deep-seated respect for every person who walks through our doors. The reviews consistently highlight our excellent customer service and the respectful treatment they receive, which is a direct result of our core corporate values.

• Exceptional Customer Service: We are renowned for our warm, respectful, and efficient service. From the moment you dial +268 2408 1600 or visit our Mbabane or Manzini offices, you are met with a team that genuinely cares.
• Active Community Engagement: As a true corporate citizen, we don't just insure Eswatini—we build it. Through initiatives like the Mbabane Monthly Mug, Eswatini Business League, Charity Walks, and various CSI projects, we invest in the health, sport, and unity of our nation.
• Nationwide Accessibility: With our head office in Mbabane, a major branch in Manzini (on Du Toit Street), an office in Nhlangano, and a network of authorised brokers, we are always within reach. Our multi-channel customer service includes a free SMS line (start your SMS with ESRIC to 2600), WhatsApp, and multiple dedicated email addresses for every department.
• Digital Convenience: Access policy information, submit KYC forms, and even report fraud via our dedicated whistleblowing line. Our upcoming mobile app functionality promises to bring even more control directly to your fingertips.

Serving Mbabane, Manzini & All of Eswatini

Our roots in Eswatini run deep. We are strategically positioned to serve clients across every region. Our landmark headquarters at Insika House on Somhlolo Road in Mbabane serves as the central hub for strategic management, life and non-life underwriting, marketing, and corporate affairs. This central location in the executive capital allows us to stay closely connected to the nation's legislative and economic pulse.

For clients in the commercial heart of the country, our Manzini branch at ESRIC House provides full-service support, from underwriting to claims, ensuring businesses in the region have immediate access to expert advisors. Our Nhlangano office extends these vital services to the southern part of the kingdom. This physical presence is complemented by our open lines of communication, with departments like claims (dept.claims@sric.sz), underwriting (dept.underwriting@sric.sz), and general management (sric@sric.sz) directly accessible to the public.

Your Journey to Security Starts Here

Becoming an ESRIC client means gaining more than a policy document; it means gaining peace of mind. We’ve streamlined the process to be transparent and client-focused. Start by exploring our products online or calling our customer service team. You can visit any of our branches, where our consultants—who are famed for their respectful and thorough approach—will conduct a comprehensive needs-gap analysis to ensure you are perfectly covered. We actively seek to prevent you from being under-insured or over-insured, embodying our role as a true client advisor.

We embrace technology with our online forms for funeral and investment claims, and we provide a clear complaint procedure for complete transparency. As an equal opportunity employer, we continuously seek talented sales agents to join our mission, a testament to our growth and commitment to the local job market. With ESRIC, a secure future isn't a question—it's a guarantee, crafted with care and delivered with integrity.

Office Hours, Location & Directions

Our team is ready to serve you during our standard business hours. Visit us at our Mbabane head office or our branch locations. We are easily accessible via public transport and major roadways, with sufficient parking available for visitors.

• Operating Hours: Monday to Friday, 08:00 to 16:45. Closed on weekends and public holidays.
• Head Office: Insika House, Somhlolo Road, Mbabane, Eswatini. P.O. Box 917, Mbabane, H100.
• Manzini Office: ESRIC House, Du Toit Street, Manzini. P.O. Box 2592, Manzini, M200.
• Nhlangano Office: EWSC Regional Office Building, Velempi Street, Nhlangano.