Motor Vehicle insurance

Motor Insurance cushions you against financial loss in the unfortunate event that your motor vehicle, its accessories or spare parts are stolen or damaged because of an accident, fire or riots. The policy also covers third party liabilities which means that the cover will extend to compensation for any other party (other than yourself or the person you have authorized to use your car) should you be the party that caused the incident or injury. There are four categories under private motor insurance: Comprehensive, Third Party Only, Third Party Fire & Theft & Motorcycle.

All Risk insurance Cover

This insurance product provides cover against accidental physical loss or damage to specified items as a result of any cause which is not specifically excluded from the policy.

Work Injury Benefits ACT (WIBA) & Group Personal Accident Insurance

Work Injury Benefits ACT (WIBA) Insurance covers employees injured while in the service of the employer. It also covers Occupational -related illnesses. The Work Injury benefits Act is usually combined with Group Personal Accident to make it comprehensive coverage covering employees on a 24 hours basis while in the working environment and away.

General liability insurance

General Liability is a core insurance policy that protects a business from financial loss if it’s held legally liable for bodily injury, property damage, or personal injury to third parties arising out of its operations, products, or services. It’s one of the most common and essential covers for any organization, often forming part of a wider business insurance package.

Fire and Perils Insurance

Fire and Perils Insurance is a property insurance policy that provides financial protection against loss or damage caused by fire and other named perils usually specified in the policy document. It is common for businesses, homeowners, and institutions to take this cover to protect buildings, contents, stock, and equipment. In the Kenyan insurance market, it’s often a called Fire and Allied Perils Policy.

Burglary Insurance

Burglary insurance is a policy that protects against loss or damage to property caused by burglary, housebreaking, or attempted theft involving forcible and violent entry (or exit) from the insured premises. It’s common for both business premises and homes, often purchased alongside fire and perils insurance for more complete protection.

Plate Glass Insurance

Plate Glass insurance is a policy designed to cover the cost of replacing or repairing fixed glass (such as shop windows, display panels, or office partitions) if it is accidentally broken. It is most taken by retailers, restaurants, offices, and commercial property owners where glass plays a significant role in the building’s aesthetics or security.

Directors and Officers (D&O) Liability Insurance

Directors and Officers (D&O) Liability Insurance is a specialized cover that protects company directors, officers, and senior managers against personal financial loss if they are sued for alleged wrongful acts in managing the company.

Professional Indemnity Insurance (PI)

Professional Indemnity Insurance (PI) (E&O)) protects professionals and service providers against legal liability for negligence, errors, omissions, or breach of professional duty that cause a client to suffer financial loss. It’s essential for professions where advice, design, consultancy, or specialized services are provided.

Travel Insurance

Travel Insurance is a short-term insurance policy that provides financial protection for travelers against risks and losses that may occur before or during a trip. It typically covers medical emergencies, trip cancellation, lost luggage, delays, and personal liability while traveling domestically or internationally.

Engineering Insurance

Engineering Insurance is a category of insurance products designed to cover risks associated with engineering projects, machinery, and equipment — during construction, erection, operation, or maintenance. It is widely used in construction, manufacturing, infrastructure development, and industries using heavy machinery. In the Kenyan market, it’s often called Engineering Classes of Insurance and includes multiple sub-policies.

• Contractors’ All Risks (CAR) Insurance
• Erection All Risks (EAR) Insurance
• Machinery Breakdown (MB) Insurance
• Boiler & Pressure Vessel Insurance
• Electronic Equipment Insurance (EEI)
• Contractor’s Plant & Machinery (CPM) Insurance
• Loss of Profits Following Machinery Breakdown (MLOP)

Group Medical Insurance

Group Medical Insurance cover is a health insurance policy purchased by an employer (or an association) to cover employees and their dependents within a single policy while still in service of the employer. It’s one of the most valued employee benefits because it provides healthcare coverage at negotiated rates and spreads the risk across a group, making premiums more affordable than individual health plans.

Group Life Assurance

Group life Assurance is an employer-sponsored insurance policy that provides a lump-sum death benefit to the beneficiaries of employees who pass on while still in the service of the employer and covered under the plan. It’s one of the most common employee benefits in Kenya and is valued because it gives financial security to employees’ families at a relatively low cost to the employer. The required parameter for quotation is usually cumulative annual earnings and the number of the staff count.

Group Personal Accident and WIBA

Group Personal Accident & WIBA covers employees against accidental injury and occupational-related illnesses on a 24-hour basis while in the working environment and away.

Group Credit Life Insurance

Group Credit Life Insurance (GCLI) is a specialized group life cover designed to protect lenders (such as banks, SACCOs, MFIs, or cooperative societies) against the risk of a borrower dying before fully repaying a loan. The core purpose is to settle outstanding loan obligations in the event of a borrower’s death (sometimes also disability or critical illness).

Keyman Policy Insurance

Keyman Policy Insurance (also called Key Person Insurance) is a life insurance policy that a business takes out on the life of a key employee, director, or business owner whose knowledge, skills, reputation, or leadership is crucial to the company’s success. If that person dies or becomes disabled, the policy pays the business (not the family) a lump-sum benefit to help it survive the financial impact.

Group Last Expense Insurance

Provides immediate cash to cater for funeral and burial expenses upon the death of an employee or covered dependent. It relieves the family of the financial strain associated with funeral arrangements.

Pension

A financial arrangement that guarantees income during retirement. It includes: - State/Statutory Pensions (e.g., NSSF in Kenya): Government-managed, mandatory, and providing a basic safety net. - Employer-Sponsored Pensions: Can be Defined Benefit (DB), where payout is guaranteed, or Defined Contribution (DC), where payout depends on contributions and investment performance. These arrangements promote long-term financial security for employees post-retirement.