Tanzania Risk Assessment Guide

Doing Business in Tanzania

The East African nation of Tanzania is a tropical country home to more than 47 million residents. Since the country’s founding, Tanzania has become a commercial center with many attractive features for both expats and foreign travelers alike.

However, living, working or traveling in the country presents a number of risks. Comprehensi

ve international insurance is highly advisable, including appropriate travel and medical coverage. According to the UK Foreign & Commonwealth Office (FCO), the number of violent incidents is on the rise throughout Tanzania, including incidents of crime and piracy. 

Travelers are encouraged to remain cautious and aware of their surroundings. Violent occurrences have taken place in the district of Mtwara in May 2013. In June 2013, explosions marred a political rally in Arusha that killed three people

  • Health
  • Safety & Security
  • Terrorism

On October 30, 2015, the CDC issued a Watch Level 1 for Tanzania due to an increased number of cases of cholera with over 4,400 reported cases and 68 deaths. Cholera is a bacterial disease spread through contaminated food and drinking water. Travelers are encouraged to practice good handwashing procedures. 

You may not have access to acceptable medical facilities in Tanzania. Most treatment centers outside of the capital of Dar es Salaam are limited, and disease is common.

Therefore, you should contact your primary care physician prior to leaving in order to discuss possible vaccinations or other preventative measures recommended for Tanzania. Cases of malaria and dengue fever have been reported throughout the country. Bites from tsetse flies have resulted in sleeping sickness in the north, including the Serengeti. Rural areas have been known to be afflicted with cholera and rift valley fever, mostly due to lack of sanitation.

The UNAIDS/WHO Working Group estimated that roughly 1,200,000 adults over the age of 15 are living with HIV in Tanzania. That equates to a  around 5.6 percent of the country’s population.Clements Worldwide provides International Health coverage, which includes USD 5 million in health care benefits wherever you may go. Coverage allows you to choose from any doctor you want, and offers flexible payment methods and choice of deductible. You can also have an optional War and Terrorism extension, which insures against injury or illness due to acts of war and terror.

In addition, you may need to leave your immediate area in Tanzania in order to access an acceptable level of care. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center is not able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Tanzania.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The political situation in Tanzania can be unstable at times. Political demonstrations are likely throughout the country, including the islands of Unguja and Pemba. These have resulted in casualties, and police may use tear gas for crowd control. You should avoid all such activities, and remain vigilant near any large gatherings.

On June 15, 2013, at least three people were killed and several others injured in an explosion during a political rally for the Tanzanian opposition party, Chadema.  

In June 2013 at least three people died and more were injured following explosions at a political rally in Arusha. In May 2013, violent incidents were reported in Mtwara, and additional instability may continue. 

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions are poor across Tanzania. Accidents occur often, especially related to inter-city buses. These crashes have resulted in fatalities and injuries to foreigners. Clements provides Overseas Car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. You will have stable currency valuation, fast, efficient claims processing and flexible deductible options. Clements insures you whether you are on the road or parked, and Political Violence coverage is included with a Physical Damage policy.

Piracy is also a legitimate threat near the coast of Tanzania, in the Gulf of Aden and the Indian Ocean. Shipping companies which haven't complied with industry best practices are at risk. Attacks have occurred off the coast of the country, and pirates have been known to come extremely close to shore.

A Maritime Security insurance policy from Clements ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Tanzania.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Tanzania. However, potential attacks could target public locations including those visited by expats and foreigners. Therefore, you should exercise caution while in public, crowded areas. 

On September 2, 2016, an arson attack claimed the life of a person and injured two others in the Lushoto region of Tanzania. The attack targeted a building associated with a church-owned university.

On May 20, 2016, three people were killed at a mosque in north-west Tanzania in what police have described as a "terrorist-style attack". More than a dozen attackers carrying machetes and axes attacked. The police made three arrests. The mosque's imam was among the dead.

On July 7, 2014, a bomb exploded in Arusha, the heart of Tanzania’s tourism industry. The explosion left eight people injured. This comes after several other bombings in the area, a total of eight since the beginning of 2014. 

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Tanzania.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions