General Insurance Plans
Protect your property, business, employees and livelihood with comprehensive general insurance coverage
Marine Insurance
Protection for ships, vessels and cargo in transit
- Cover for loss or damage to ships, vessels and cargo
- Risks associated with loading, unloading and transit
- Hull cover for vessel owners and operators
- Cargo cover for importers, exporters and traders
- Subject to policy terms and declared voyages
Fire and Special Perils
Protection for your property against fire and specified perils
- Cover against fire, lightning and explosion damage
- Optional extensions for floods, storms and riots
- Covers buildings, contents and stock
- Ideal for homeowners, landlords and businesses
- Sum insured based on reinstatement value
Burglary Insurance
Protect your property, stock, cash and valuables from theft
- Cover against burglary and housebreaking
- Protects stock, cash, valuables and equipment
- Suitable for shops, offices and homes
- Option to extend cover while in transit
- Requires evidence of forcible entry
All Risk Insurance
Accidental loss or damage to your portable equipment and valuables
- Cover for specified portable equipment and valuables
- Protects items used away from business premises
- Laptops, phones, cameras, tools and instruments
- Cover anywhere, not just at your premises
- Subject to policy exclusions and item schedules
Public Liability
Protect your business from third-party injury and property claims
- Covers legal claims for third-party bodily injury
- Covers third-party property damage
- Legal defence costs and settlement payments
- Essential for shops, hotels, contractors and events
- Limits available from KES 1 million upwards
Money Insurance
Cover your business money on premises, in transit and in safes
- Cover while on premises and in approved safes
- Cover for money in transit to the bank
- Cover in the custody of authorized employees
- Flexible limits to match your cash handling
- Optional extension for staff residence money
Work Injury Benefits Act (WIBA)
Meet your legal obligations to employees under Kenya's WIBA
- Statutory cover for work-related injuries
- Covers occupational diseases and accidental death
- Weekly earnings benefits for temporary disability
- Lump-sum payments for permanent disability
- Required by law for all employers in Kenya
Group Personal Accident
Accident benefits for your entire team or group
- Accidental death and permanent disability benefits
- Temporary total disability weekly benefits
- Medical and funeral benefits where included
- Covers employees, members or association groups
- Cost-effective blanket cover for whole groups
Employers' Liability
Protect your business against employee injury claims
- Covers legal liability for employee injury or illness
- Covers death arising in the course of employment
- Legal expenses and compensation payments
- Complements WIBA statutory cover
- Protects against eligible third-party style claims
Contractors All Risks
Comprehensive protection for construction projects
- Cover for contract works, materials and plant
- Covers physical loss or damage on-site
- Third-party injury and property damage liability
- For builders, developers and contractors
- Policy runs for the duration of the project
Golf Insurance
Cover for your golfing equipment, yourself and others on the course
- Cover for golf equipment and personal effects
- Personal accident benefits while playing
- Third-party liability for stray balls and shots
- Hole-in-one expense cover on some policies
- Ideal for club members and tournament players
Animal and Crop Insurance
Protect your livestock and crops against insured perils
- Livestock cover against death and specified disease
- Crop damage from fire, drought and flooding
- Adverse weather and natural perils covered
- For smallholder and commercial farmers
- Helps secure loans and agricultural investments
Credit Insurance
Protect your revenue against borrower and buyer default
- Protection against outstanding loan repayment loss
- Cover against a buyer failing to pay a trade debt
- Protects cash flow and business revenue
- Supports safer lending and credit terms
- Products for lenders and businesses alike
Need help choosing the right cover?
Talk to us today and let us find the right general insurance protection for your property, business and people.
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