COMMERCIAL INSURANCE FOR BUSINESS IN KENYA

We are the leading insurance intermediary for business and individual clients spread out around East Africa.

Our Commercial Insurance products include:

FIRE & PERILS INSURANCE
The basic Fire policy provides indemnity against loss or damage to property described, caused by fire, lightning and explosion.

Our Fire Insurance covers:

• Loss of or Damage to Property resulting from Fire, Lightning, Explosion,
• Earthquake Fire & Shock and Volcanic Eruption,
• Bush Fire,
• Riot, Strike, Malicious Damage,
• Special Perils (A to H) and
• Spontaneous Combustion.

PROPERTY TERRORISM AND SABOTAGE
Indemnity against physical loss of or physical damage to the property insured or for which the Insured is legally responsible, directly caused by:
Act of Terrorism, Sabotage, Riots, Strokes and/ or Civil Commotion,
Malicious Damage, Insurrection, Revolution or Rebellion, Mutiny and/ or
Coup d’état.

SME COMBINED INSURANCE
This policy combines different classes of insurance in one document and is tailor-made for small cum medium size business.

ALL RISKS INSURANCE
The insurance provides indemnity against loss or damage to specified items as a result of any cause within the geographical area specified in the policy.

INDUSTRIAL ALL RISKS INSURANCE
This is an insurance package which mainly incorporates Fire & Allied Perils, Burglary, Accidental damage and Business Interruption and it provides indemnity to the property insured against any loss or damage from any cause not excluded by the policy.

COMPUTER AND ELECTRONIC INSURANCE
This policy provides coverage to your electronic equipment including computers against sudden and unforeseen physical damage to the equipment in a manner necessitating repair or replacement.

ELECTRONIC EQUIPMENT INSURANCE
Indemnity against any unforeseen physical loss of or damage other than by specifically excluded perils. Cover is meant for various Items of Computers, Servers and accessories

This policy provides indemnity to electronic equipment against sudden and unforeseen physical loss or damage to the equipment in a manner necessitating repair or replacement including theft, transit risks and cover to laptops on a worldwide basis.

MONEY INSURANCE
This policy covers loss or damage to money by robbery or theft.

Indemnity against:
- Loss of money and damage to safe or strong room damaged in the course of theft of money
- Loss of money while in transit to the bank
- Loss of money while in the residence of directors or senior managers

PLATE GLASS INSURANCE
The policy provides indemnity to the insured against loss and/or destruction/damage to glass by accident or misfortune of a fortuitous character.

GOODS IN TRANSIT INSURANCE
This policy provides cover for loss or damage to various types of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy.

Our Goods in Transit covers all risks of loss of or damage to goods in transit anywhere within the country.
This includes:
Petroleum products in transit while in East Africa against Public Liability due to death, Theft, etc
Grain products in transit against Theft, etc
Electronic products in transit against theft

MACHINERY BREAKDOWN INSURANCE
Machinery Breakdown Insurance is a type of an accident insurance for machinery and provides cover against sudden and unforeseen physical loss or damage to the insured machinery.

MARINE CARGO INSURANCE
Coverage is meant for transportation of goods or items by sea or air.

CONTRACTORS ALL RISKS INSURANCE
Covers the contractor for loss or damage from insured perils that may occur during the course of construction of buildings, roads, bridges, dams, and other like infrastructure including any liabilities to third parties that may arise there.

Machinery Breakdown: Indemnity against any unforeseen physical loss of or damage to the specified plant as a result of any cause not excluded by the policy. Cover includes loss or damage resulting from mechanical or electrical breakdown.

ERECTION ALL RISKS INSURANCE
Covers the contractor for loss or damage from insured perils that may occur during the course of erection of plant or machinery (in factories), tanks, generators etc.

SME COMBINED INSURANCE
This insurance policy is catered for Medium sized insurance organizations and includes the option of paying insurance in monthly installments.

PROPERTY TERRORISM & SABOTAGE INSURANCE
This insurance has been specifically designed to cover terrorism, sabotage, mutiny, rebellion, insurrection and coup d'Etat (excluding war and civil war), strike, riot and civil commotion.

CONSEQUENTIAL LOSS INSURANCE
This form of insurance is also known as Business Interruption. It covers indemnity against loss of revenue due to business interruption following any unforeseen physical loss of or damage to the plant and machinery insured under the Machinery Breakdown policy.

STOCK FLOATER INSURANCE
This policy provides cover for all stocks against loss or damage by fire & Allied perils and theft whilst stored in the insured’s owned or leased premises or in transit anywhere in Kenya.

PUBLIC / PRODUCTS LIABILITY INSURANCE
Public/Products Insurance provides protection against claims arising from accidental bodily injury to any person and accidental loss of or damage to property.

WORK INJURY BENEFIT ACT (WIBA) INSURANCE
Provides for compensation to employees for work related injuries & diseases contracted in the course of employment.

EMPLOYER’S LIABILITY INSURANCE
Provides cover for legal liability consequent upon death of or bodily injury to or illness of an employee’s which occurs during and in the course of employment and which results in a claim or claims first being made against the insured during the period of insurance.

FIDELITY GUARANTEE INSURANCE
Fidelity implies the faithful or loyal performance of a duty and a fidelity guarantee policy is an insurance against the results of dishonesty or disloyalty, both of which stem from a lack of fidelity.

Fidelity Guarantee Insurance is insurance that covers indemnity against direct pecuniary loss resulting from fraud or dishonesty of employees in the course of employment.

PROFESSIONAL INDEMNITY INSURANCE
The policy pays on behalf of the insured all sums which the insured becomes legally obligated to pay as damages by reason of liability arising out of any negligent act, error, mistake, or omission in the rendering of or failure to render professional services for others in the insured’s capacity as a professional.

PLATE GLASS
This covers indemnity against the cost of replacing glass following accidental breakage including:
Cabinets, Glass Signs & Display Signs
Lettering & Sign-writing
Cost of Temporary Boarding-up

CONTAMINATED PRODUCTS INSURANCE
Coverage includes accidental Contamination of Food, drink, cosmetics, pharmaceuticals and tobacco products; malicious Tampering of Food, drink, cosmetics, pharmaceuticals and tobacco products; product extortion

KIDNAP & RANSOM INSURANCE
Kidnap and Ransom/Extortion Insurance not only protects against financial loss but also provides the services of Kroll Associates, leading crisis management and security consultants, to manage incidents on the policyholder's behalf.

PENSION TRUSTEES LIABILITY INSURANCE
The pension fund trustee liability insurance provides protection for the trustees, the employees, the employer company and the scheme itself in event of claims brought against them.

DIRECTORS & OFFICERS LIABILITY INSURANCE
Provides coverage to past and future Directors and Officers for losses arising out of a claim made against him for which he has not been indemnified by the corporation he is serving.

This insurance covers compensation against amounts which the insured shall become legally liable to pay as compensation, including agreed defense costs and expenses resulting from any wrongful act by the insured in their capacities as directors, officers or employees of the Insured company.

BANKERS BLANKET BOND INSURANCE
Banks and other financial institutions face a higher level of exposure to financial loss resulting from criminal behavior than most other institutions.

Indemnity against fidelity guarantee risks; property damage resulting from theft, larceny. burglary, robbery or hold-up whilst on the premises, furnishings  fixtures, equipment (other than computers) and other contents caused by burglary, robbery  hold-up, theft, larceny or attempt thereat. The standard cover is extended to cover counterfeit currency, loss of subscription rights, extortion (threat to both property and persons) and computer fraud.

TRAVEL INSURANCE
Travel Policy: Briefly the policy provides the following cover to the Insured whilst traveling anywhere in the World:
Medical expenses and hospitalization abroad
Cost of medical evacuation and repatriation in case of illness or accident
Cost of prolongation of stay due to illness
Cost of emergency return home following death of a family member
Cost of returning home mortal remains of the Insured.

PUBLIC LIABILITY
Indemnity against legal liability to third parties for accidental death, bodily injury and / or illness and / or loss of or damage to property incurred in the course of the Insured’s business.

PERSONAL ACCIDENT
Personal Accident: Compensation for death or disability, and medical expenses incurred in connection therewith, occurring at any time (24 hour cover) caused by accidental, violent, external and visible means.