Comprehensive Insurance Solutions for Individuals & Businesses

Fire & Special Perils

Protects buildings, furniture, plant and machinery, and stock against loss or damage from fire, lightning, explosion, earthquake, volcanic eruption, bush fire, riot, strike, malicious damage, and special perils. Optional extensions include flood and water damage from burst pipes.

• Buildings, furniture, fixtures & fittings, plant & machinery, stock
• Fire, lightning, explosion, earthquake, bush fire
• Riot, strike, malicious damage, and special perils A–H
• Optional: flood, burst water tanks, spontaneous combustion

Burglary Insurance

Covers loss or damage to property following forcible or violent entry or exit from insured premises, and extends to losses without forcible entry. Cover includes furniture, plant and machinery, and includes optional hold-up or threat of assault extension.

• Furniture, fixtures, fittings, plant & machinery
• Includes optional hold-up / threat of assault extension
• Riot, strike, civil commotion extension available
• First Loss endorsement available

Business Interruption Insurance

Also known as Consequential Loss, this policy covers loss of profit, loss of rent, loss of wages, and increased cost of working arising from fire and allied perils losses. Indemnity period is typically 12 months.

• Loss of gross profit or revenue
• Wages and increased cost of working
• Audit fees for claim preparation
• Standard indemnity period: 12 months

Electronic Equipment Insurance

Covers loss or damage to electronic equipment including computers and hardware caused by fire, theft, electrical, or accidental physical damage. Also covers reinstatement of data and increased cost of working. Portable items covered worldwide.

• Computer hardware, data reinstatement, increased cost of working
• Covers fire, theft, electrical, and accidental damage
• Portable items: worldwide cover
• New-for-old replacement if under 3 years old

All Risks Insurance

Covers specified items against accidental physical loss or damage from any cause not specifically excluded — including theft, fire, riot, strike, and accidental damage. Portable items are covered worldwide; all others within Kenya.

Domestic Package Insurance

A comprehensive home insurance package covering buildings, contents, all-risks items (mobile phones, laptops, jewellery), domestic employee WIBA cover, and owner/occupier liability — all under one policy.

• Section A: Buildings — private dwelling, garage, outbuildings, walls, gates
• Section B: Contents — furniture, appliances, personal effects
• Section C: All Risks — portable items (phones, cameras, laptops, watches, jewellery)
• Section D: WIBA cover for domestic employees
• Section E: Owner/Occupier & Personal Liability

Goods in Transit Insurance

Covers loss or damage to goods caused by fire, theft, or accident while in transit by road, rail, or inland waterway within Kenya and East Africa. Extends to temporary storage in the ordinary course of transit.

• Any one transit and annual aggregate limits
• Cover extended to East Africa
• Includes hold-up, hijack, loading/unloading

Money Insurance

Covers loss of money by theft in transit (premises to bank), on premises during and outside business hours, and in the hands of authorized staff. Includes cash, bank notes, stamps, gift vouchers, traveller's cheques, and foreign currency.

• Money in transit — premises to bank and back
• Money in premises (business hours and after hours in locked safe)
• Cash with authorized employees
• Includes keys clause and hold-up / hijack extension

Marine Open Cover

Provides indemnity against loss of or damage to goods belonging to the insured or held in their custody, in transit by sea, air, or inland waterway. Cover includes Institute Cargo Clauses (A), war risks, and strikes clauses.

Political Risks Insurance

Covers buildings, furniture, plant and machinery against acts of terrorism, sabotage, riots, strikes, civil commotion, civil war, malicious damage, insurrection, revolution, rebellion, mutiny, and coup d'état.

Other Property Covers

We also arrange the following specialist property covers. Contact us for details and quotations:

• Machinery Breakdown — sudden/unforeseen damage to machinery at work, rest, or during inspection
• Industrial All Risks — combined property damage + business interruption cover
• Plant All Risk — accidental physical loss/damage to specified plant & machinery
• Contractors All Risks — construction project cover including third-party liability
• Stock Floater Insurance — all-risks cover for insured stock at multiple locations
• Plate Glass Insurance — accidental loss/damage to glass on business premises

Work Injury Benefits Act (WIBA) Insurance

WIBA insurance lifts the employer's statutory financial obligation to compensate workers injured in the course of employment, as required under the Work Injury Benefits Act, Chapter 13 of 2007 (Laws of Kenya).

Group Personal Accident (GPA) Insurance

Covers employees against accidental loss of life or disability arising from an accident while on duty or at leisure, on a 24-hour basis. Benefits include accidental death (5 years' earnings), permanent total disablement, TTD weekly payments, and medical expenses.

• 24-hour cover — duty or pleasure
• Accidental Death: 5 years' earnings
• PTD: 5 years' earnings
• Medical expenses: Kshs. 500,000 per person
• Funeral expenses: Kshs. 100,000 per deceased
• Worldwide exposure

Key Man Insurance

Protects a business against the financial impact of the unexpected death, permanent disability, or critical illness of a key person such as a CEO, director, or owner. Provides business continuity funding and loan repayment cover.

• Life cover with last expense
• Loan repayment on death or permanent disability
• Age limits: 18–70 years
• Includes worldwide exposure and disappearance clause

Employer's Liability Insurance

Indemnifies the employer against legal liability under common law for damages awarded to employees injured at work. Four tiered cover options available:

• Option A: up to Kshs. 20,000,000 per period
• Option B: up to Kshs. 30,000,000 per period
• Option C: up to Kshs. 40,000,000 per period
• Option D: up to Kshs. 50,000,000 per period