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about us

Risk Shield Consultants Ltd. is a specialist insurance service provider. We are based in Zambia and we work extensively in sub-Saharan Africa. We also work in Asia, Europe and elsewhere! Our areas of specialization include Actuarial services, Micro-insurance, Microfinance, Banking and Agri-business. Within Micro-insurance, we specialize in developing Weather-Index insurance, other types of Agriculture Insurance products, Health insurance, Life and Personal Accident insurance, Mobile and other Mass-Market insurance products. 


We implement feasibility studies, diagnostics, technical development (data analytics, product design, pricing, reinsurance placement, weather monitoring), operational development (marketing, client management, claims handling), capacity building and trainings. 


We work with insurance companies, reinsurers, distribution channels and governments for implementing insurance products. Products are distributed through a range of distribution partners, which include agribusinesses, farmer organisations, banks, microfinance institutions, mobile network operators, public sector and non-governmental organisations.

We have successfully delivered insurance solutions in Albania, Angola, Armenia, Bangladesh, Botswana, Bosnia and Herzegovina, Cambodia, Ghana, India, Indonesia, Kenya, Lesotho, Malawi, Mozambique, Mongolia, Namibia, Nigeria, Philippines, Rwanda, Sri Lanka, Sudan, Tanzania, Uganda, Zambia and Zimbabwe. We have also worked on related projects in the United Kingdom, United States and Germany


The team has internationally renowned expert consultants with decades of experience of working in Africa and Asia and specialist knowledge and experience of microinsurance and index insurance products. 

The team has a fully qualified actuary from the UK Actuarial Profession with over 12 years of actuarial experience. 

Our Lead Consultants

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Agrotosh Mookerjee
Managing Director and Chief Actuary 

Agrotosh Mookerjee is a fully qualified actuary from the UK Actuarial profession. He has extensive experience of agricultural and index insurance products and has worked in 25+ countries in Africa, Asia and Europe. His areas of expertise include weather-index insurance, yield-index insurance, multi-peril indemnity crop and livestock insurance, micro-health, life, mobile-based and other types of mass-market insurance products.


Agrotosh specializes in product design and pricing and has also worked in other actuarial areas, such a reserving, capital modelling and reinsurance. Before starting Risk Shield in 2015, he was the Principal Actuary of MicroEnsure. He has previously worked with Inter Hannover in London, International Labour Organization in Bangladesh and Aviva in the UK.   

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Joseph Kakweza
Head of Operations 

Joseph Kakweza has over 25 years of experience in banking and agriculture insurance in Africa. He has extensive experience on the operational, technical and capacity building components of weather index insurance projects in Angola, Malawi, Mozambique, Nepal, Nigeria, Rwanda, Tanzania, Zambia and Zimbabwe.


Joseph specializes in feasibility studies, capacity building, training of trainers and other operational processes around mass-market insurance products. 

We have a network of Consultants and Associates in various countries. Our resources in these countries help with the implementation of our work. 

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