General Insurance Products
General insurance products
This is a package that is designed for home owners and tenants against loss or damage to the following elements in a home;
- Residential property
- Contents in the home
- Personal effects
- Domestic employees
- Third party liabilities
The policy offers protection from all types of fire, lightning, full explosion, earthquake, impact, riot, strikes, all types of water damage, theft and falling trees.
Terrorism may be included on request as an extension.
This provides indemnity to business premises, contents and stocks against loss or damage to property caused by;
- Political violence & terrorism
- All risks
This policy is ideal for property developers, industrial companies with respect to their plant and machinery, general contents, office equipment and stocks in trade.
- Electronic Equipment Insurance
- This policy provides coverage to your electronic equipment against sudden mechanical and electrical breakdown, faulty material and design, lightning, over voltages and unforeseen physical damage.
This policy covers loss or damage to money by robbery or theft whilst:
- In transit from your premises to the bank and vice versa
- In your premises during business hours
- In your premises in locked safes/strong rooms outside business hours
- In the hands of senior employees/authorized personnel of the company
- Damage to safes and /or strong rooms
This policy is ideal for institutions handling money such as Banks, Mpesa shops, betting shops, and jewellery dealers.
Contractors All Risks Insurance
Covers the contractor for loss or damage from insured perils that may occur during construction for buildings, roads, bridges, dams, and other like infrastructure.
This policy is ideal for civil engineers, construction companies in property development and maintenance of bridges, roads, dams, sewerage and other infrastructural erection.
- Machinery Breakdown Insurance
- Machinery breakdown insurance provides cover against sudden and unforeseen physical loss or damage to the insured machinery.
This covers the cost of repairing or replacing indemnifiable breakdown or losses to machinery.
Consequential loss/Business interruption/Loss of profits Insurance
This policy covers the lost income/profit which would have been achieved by the business if the interruption due to material damage had never happened.
This policy is ideal for, rentals, schools and colleges, professional firms such as estate agents, solicitors, accountants & doctors, manufacturing companies, storage companies and traders of stocks.
Travel insurance has been tailored to meet all needs of students, groups, individuals and corporate business travelers. Travel insurance is tailored to provide indemnity for accidental Injuries, medical expenses, losses of personal effects, travel delays, hijack, personal liability, legal expenses, repatriation of mortal remains amongst other risks.
Marine Cargo Insurance
This policy covers goods being transported by sea or air against loss from sinking, stranding, fire, collision, sea water, heavy weather, contact, explosion, damage during discharge or loading, special charges incurred at the point of distress and a wide range of other perils.
Marine Hull Insurance
The policy provides cover for loss or damage to insured vessel including legal liabilities to third parties, legal costs and salvage charges.
The purpose of liability insurance is to provide indemnity to the insured in respect of the financial consequence of legal liabilities towards third parties arising out of business activities.
The main classes of liability insurances are:
- Public liability
- Product liability
- Employers liability
- Work Injury Benefits Act
- Professional Indemnity
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 nature. Cover can be arranged for glass windows, cabinet glass, display signs, fixed glass and glass partitions on premises.
Transit of goods
This policy provides cover for loss or damage of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy.
This policy is ideal for transport companies, individual transporters and logistics companies involved in transportation of letters or package.