Insurance Products

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The Work Injury Benefit Act (WIBA), 2007 is an Act of Parliament to provide for compensation to employees for work related injuries and occupational diseases contracted in the course of their employment. It repealed the workmen's compensation Act cap 236. The Act came into operation as from 2nd June 2008 and to date remains a labour law and a requirement for all employers in Kenya. The benefits stipulated by the act is 96 months or 8 years earning for death or permanent disability arising from occupational illness or injury. Despite the nullification of 9 sections of the act, WIBA is still law and employers are exposed.
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Covers are available for the following categories of vehicles;
Private Cars
Commercial vehicles
Vans and company/school buses
Motor Cycles

For each category of vehicle, three types of covers can be purchased;

Third Party Only (TPO). This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.

Third Party Fire and Theft (TPF&T) In addition to the TPO cover above, this cover extends cover the insured vehicle against the risks of fire and theft, including partial theft.

Comprehensive. This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes etc.

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This is a package cover designed specially for your residence. It is arranged to cater for almost everything you have worked hard for in your household including; The buildings, the contents (furniture, clothing, kitchen equipment cutlery etc), the electronics (TVs, Videos, Cameras, Watches, Music systems etc), domestic servants (in door and out door), sports equipment (Golf, squash, riding etc).

The policy extends to include your personal liability either as an owner or an occupier of the premises to third parties, for damage to third party property or death/injury to third parties arising out of your use of the premises.

Scope of cover;
Fire
Theft
Accidental damage
Liability to third parties
Occupational accidents (death or illness to the servants as per the Workman Compensation Act, including your liability as an employer at common law for acts of negligence)
Cover can be arranged on buildings only, contents only or for both buildings and contents.
Get Domestic Cover »

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The cost of higher education is increasing. The need for access to higher education and the cost will put a financial strain on you and your family. That is why it is important to start planning for your child's education as soon as possible, because the earlier you begin, the more time you allow your money to grow. The child education policy will provide the funds needed by your child to pursue further education and assures that whatever happens in the future, your child will still have the means to pursue some of his/her goals in life.

Choosing a Plan

Consider how much money you want to set aside for your child's education. Make sure that the premium is affordable. Choose a policy that gives you flexibility so you can gradually increase the savings in the future.
Get Education Policy»

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Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, insurance companies develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.

Health insurance cover is available for individuals and it is also available for corporate organizations that are willing to offer a medical benefit to its staff members and their families.
Get Medical Cover »

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Terrorism insurance is insurance purchased by property owners to cover their potential losses and liabilities that might occur due to terrorist activities. Political violence perils are highly unpredictable and can have a catastrophic impact upon a corporations, people, assets and ability to continue trading. Coverage can include;
Physical damage to property worldwide
Business Interruption and extra expense following property damage
Public liability and Employers Liability
Event Cancellation
Lenders Interests.
Perils include: terrorism and sabotage, malicious damage, riots, strikes and civil commotions, war and civil war, coup d'etat, insurrection, rebellion and revolution.
Get Terrorism Cover »

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Professional indemnity insurance (PII) is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.

The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policy holder. These are potential causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.
Get Indemnity Cover »

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Public Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the insured) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.

Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies.
Get Public Liability Cover »

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    Commercial property insurance can shield your business from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, business property insurance protects your business' physical assets.
    For example:


    A fire could destroy your building and the contents inside.
    A burst water pipe could damage your documents, drawings or other valuable papers.
    A storm could damage your outdoor sign.

    Property insurance is one of the most important investments ensuring the future of your business.

Get Office Equipment Cover »

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Golfers' Insurance allows you to enjoy your game with complete peace of mind by providing a comprehensive cover at a golf course premises; including driving ranges.It covers you for loss or damage of your golf equipment, and indemnifies you for celebratory costs on the happy occasion when you score a hole-in-one.

Golfers' Insurance is available to both amateur and professional players and is designed to provide total peace of mind on and off the golf course.
Get Golfer's Policy »

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Life cover provides financial benefits for death or bodily injuries caused by accident to the insured person. The insurance also provides some weekly compensation for loss of income to the accidentally incapacitated persons and also covers medical expenses arising out of the accident.

This cover is available to individual persons, groups or students.


What Is Covered
The insurance provides cover in the event that you sustain injury or die as a result of an accident. The insurance covers all sorts of accidents and is also a 24 hour cover.
Get Life Cover »

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Trade credit insurance, provides a business with protection against the failure of a customer to pay their trade credit debts. This can arise as a result of a customer becoming insolvent or because your customer fails to pay within the agreed credit period. These risks are referred to as 'commercial risks'. The protection covers as standard goods or services sold and delivered, but can be tailored to cover many other risks such as work in progress and binding contracts.

Companies that export can protect themselves against a range of 'political' risks which may prevent or delay payment. Examples include war or civil war in your customer's country; cancellation of the contract by the government of your customer's country; or governmental regulations such as embargo or quotas that prevent the export or import of goods.

Research suggests that 18% of companies that fail do so because they have experienced bad debt or poor working capital. Businesses protect their tangible assets such as property and plant, but often neglect to cover their receivables which can represent 40% of their current assets.

Credit insurance can reduce the unnecessary cost of bad debt and protect hard-earned success, and provide the cornerstone of secure growth.
Get Credit Insurance »

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This insurance provides financial benefits for death or bodily injuries caused by accident to the insured person.The insurance also provides some weekly compensation for loss of income to the accidentally incapacitated persons and also covers medical expenses arising out of the accident and not otherwise.

The policy can be arranged to cover individual persons, employees or associated groups e.g. directors.
Get Accident Cover »

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Travel insurance is short-term insurance available specifically against travel-related emergencies and expenses. International travelers need to obtain travel insurance because it covers medical expenses, but even other travelers may find it useful depending on their plans.

Using insurance begins as you encounter any problem after you've purchased coverage and before or during a trip. A problem that puts your plans at risk and/or that threatens considerable cost beyond what you would normally encounter. (This won't include coverage for essential steps on your trip that you failed to arrange for yourself, e.g., lodging, meals, fully adequate connection times between flights.)

Once you know the details of the problem (and any cost), you promptly contact the claims people for the company that issued your policy. You explain the situation, and they instruct you on what to do for a covered problem.

  1. For problems with modest cost that are covered, you'll likely be told to pay the costs (preferably by credit card), keep all supporting bills/invoices/receipts, and to file a claim with the company after your trip is over.
  2. For problems with great cost (e.g., overseas medical evacuation can cost a fortune), the insurer may do the same, though such costs can easily exceed the maximum "draw" allowed on your charge card. Better travel insurers also have "preferred providers" in numerous countries, one of which may be able to help you at lesser cost than others or even provide the service you need and directly bill the insurer.
  3. If you do not have the means to pay for what you need (and then wait for reimbursement), and no preferred provider can be used, some insurers will transfer funds to help. They do so only after being satisfied about costs encountered, and that they are sending the funds to and for someone who is covered.


To wisely purchase coverage, contact us and we will help you get the right coverage you need.
Get Travel Insurance »