This package mainly incorporates fire & allied perils, burglary, accidental damage and business interruption. It provides indemnity to property insured against any loss or damage from any cause.
This policy covers loss or damage to money by robbery or theft while:
Financial institutions are exposed to financial loss of criminal nature, such as theft by staff, embezzlement, forgery, hold-ups and fraud. These risks are covered under this policy. It is a comprehensive crime and fidelity package designed specifically for banks and other financial Institutions.
Covers contractors against loss or damage arising from insured perils in the course of construction (of buildings, roads, bridges, dams, and similar infrastructure).
Provides protection against accidental loss or damage to motor vehicles and accessories, as well as protection against legal liability to third parties. Coverage provides comprehensive, Third party fire & theft or third party only.
This form of insurance is also known as Business Interruption. It pays for the consequences of material damage in relation to property used for business purposes. This policy enables the insured to recover gross profit due to a reduction in turnover, as well as reasonable additional expenditure incurred in minimising the reduction in earnings.
This is a flexible, strategic insurance tool designed to help our clients manage environmental risk. The policy offers multiple options to select from so that we can work with our clients to construct an environmental insurance program that matches their business needs.
It covers accidental contamination of food, drink, cosmetics, pharmaceuticals and tobacco products; malicious manipulation of food, drink, cosmetics, pharmaceuticals and tobacco products; product extortion.
Losses covered: Recall costs; business interruption (lost net profit or lost gross profit available); rehabilitation cost; sub-limited to 25%; consultancy costs.
The Work Injury Benefits Act (2007) provides for compensation to employees for work related injuries and diseases contracted in the course of employment.
Covers contractors against loss or damage arising from insured perils in the course of erection of plant or machinery (in factories), tanks, generators etc.
Provides cover against sudden and unforeseen physical loss or damage to insured machinery; firstly to cover the cost of repair or replacement of indemnifiable breakdown or losses; and secondly to give assistance in expediting repairs.
This policy is taken out by corporates and institutions, and gives compensation for death, permanent disability, temporary loss of income due to critical injury, and medical expenses arising from an accident.
Enables one to pay for hospitalisation if one or one’s family are hospitalised on falling sick or after an accident. Coverage is for daily hospital expenses cash benefit for accident or illness, starting from the third day of being admitted.
This insurance covers organisations against financial loss caused by dishonest or fraudulent acts of employees. Cover extends to include loss of property following such acts of any employee.
This policy covers financial risks of kidnapping or alleged kidnapping, extortion, detention or hijacking. Cover may be extended to include cost of evacuation and repatriation.
This cover protects directors and officers from claims that may arise from decisions and actions taken within the scope of their official capacities. It covers personal liability of directors and officers and also reimburses the company in the event that it pays the claim on behalf of the directors and officers in order to protect them. The policy also extends cover to the organisation itself in the event claims are brought against it challenging its decisions or actions. Reimbursement clause that provides coverage to the corporation for amounts lawfully paid by it to indemnify a director or officer for loss resulting from a claim against them. While the corporation is an insured, the insurance ONLY applies to amounts it pays as indemnity for a director or officer in connection to a claim made against them. The policy is a “claims made”policy covering the following: Judgments; Settlements; Defence costs; Separate deductibles for individuals and company; Limit of liability in aggregate, not per occurrence.
Provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises. Assets, such as office equipment, stock in trade, furniture, fixtures and fittings are covered under this category.
Provides protection against accidental loss or damage to personal private motor vehicles, including the standard accessories and spare parts, as well as cover against legal liability to third parties. Coverage provides comprehensive, Third party fire & theft or third party only.
Provides diagnosis benefit of a wide range of critical illnesses if diagnosed during the period of Insurance.
Provides coverage to electronic equipment, including computers, against sudden and unforeseen physical damage in a manner necessitating repair or replacement. Electronic equipment constitutes all electrical gadgets that consume low electrical current. Cover includes mechanical or electrical breakdown, faulty material, faulty design, lightning and over-voltage incidents.
This is taken out by individuals, and gives compensation for death, permanent disability, temporary loss of income due to disablement, and medical expenses arising from an accident.
Same as in the case of Private Motor Vehicle Insurance.
This policy combines different classes of insurance in one document, and is tailor-made for small-to-medium-size businesses with a sum insured of up to Ksh500,000,000. Insurers also offer segmented and specific products to clients, such as educational institutions, food and beverage outlets, saloons, spas and barbershops, offices, apartments, bungalows and commercial buildings, as well as retail business units.
The policy provides indemnity to the insured against loss and/or destruction/damage to glass by accident or misfortune of a fortuitous nature. There are options either to replace the broken glass according to description or to pay the sum equivalent to the value of the broken glass at the time of loss, destruction or breakage up to the insurance value. Cover can be arranged for cabinet glass, display signs, fixed glass and glass partitions on premises.
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 defined in the policy. Cover may be “All Risks” or for specified perils, and may be taken out for specific consignments or annual periods.
This cover is meant for transportation of goods or items by sea or air. It provides indemnity against loss or damage for goods being transported by sea or air and incidental land transportation. Either single voyage policies or annual policies are offered.
Provides protection against claims arising from accidental bodily injury to any person and accidental loss of, or damage to property, happening in connection with business, and occurring within the territorial limits described, and within the period of insurance. Since the promise to indemnify is the basis of the policy, we are not liable to pay until the insured has been found legally liable to shoulder damages.
(Lawyers, Accountants, Architects, Surveyors, Brokers & Hoteliers)
It covers professionals against any claim that may arise out of their work. Cover includes professional errors and omissions and/or negligence. The policy pays for cost of litigation and any settlement that may be awarded. Cover may be extended to include loss of documents and dishonesty by employees.
It is specifically designed to cover risks associated with sabotage, terrorism, mutiny, rebellion, insurrection and coup d’état (excluding war and civil war). It is best suited for multinational companies operating in countries where these risks are normally excluded from standard insurance programmes. Coverage for strike, riot and civil commotion can be included by endorsement.
The basic fire policy provides indemnity against loss or damage to property caused by fire, lightning or explosion. The policy can also be extended to cover riots, strikes, malicious damage, storm, earthquake, as well as impact by vehicles, aircraft and other aerial devices. Others are subterranean fire, spontaneous combustion, explosion of industrial boilers and economisers, flooding, water damage due to bursting or overflowing of tanks, apparatus and pipes. It also covers assets such as buildings, plant and machinery, stock, furniture, fixtures and fittings, as well as office equipment
Designed for primary school pupils, as well as secondary and university students, to cover the risk of financial consequences resulting from accidents. This cover can be taken out by individuals or education institutions.
Tailored to meet all needs of students, groups, individuals, and corporate business travellers. It covers accidental injuries, medical expenses, loss of personal effects and travel delays; hijack, personal liability, legal expenses etc.
Designed to mitigate the sudden, unforeseen financial consequences associated with evacuating personnel from countries experiencing political instability and military action. Concerns that present unplanned and, possibly, significant financial exposure include transportation to safety, salary expenses during the period of displacement, and the cost of resettlement.
This provides cover to trustees of pension organisations and/or corporate trustees against claims that may arise from their decisions or actions while acting in their official capacities. It provides cover for cost of litigation and any civil settlement that may be awarded.
This policy provides cover for all stocks against loss or damage by fire & allied perils, as well as theft, while stored in the insured’s owned or leased premises or while in transit anywhere in Kenya.
Gives protection to the homeowners/tenants against loss or damage to private dwellings/ buildings, household goods and personal belongings against fire, theft, riot and strike; malicious damage, floods, explosion, lightning and thunderbolt; personal liability to third parties by the insured, workmen’s compensation to domestic servants and golfers liability.
It provides indemnity against loss or damage to specified items as a result of any cause within the geographical area specified in the policy. This includes theft, fire, riot and strike breakage and any other cause not excluded under the policy.
Protects policyholder’s liability to third parties in the premises in case of death or injury. It also covers medical expenses third parties may incur due to that injury.