This policy provides indemnity for loss of and/or damage to buildings, plant and machinery, stock in trade, etc. resulting from fire, lightening, explosion of gas or boilers used for domestic purposes, earthquake, subsistence and landslip, impact by moving objects, aircraft damage, riots, strikes and malicious damage, water damage by burst pipes or apparatus.
This policy covers your staff/ employees against accidental death or bodily injury on a worldwide 24-hour basis including weekends and public holidays during the period of insurance
Indemnity against any unforeseen physical loss of or damage other than by specifically excluded perils. Cover is meant for various Items of Computer Equipment and accessories.
This gives the widest coverage ever. The insured is indemnified against all risks apart from those particularly excluded in the policy. The policy covers Fire, theft, accident, floods etc
The Workers’ Compensation Act provides that employers must provide compensation to employees’ injuries. The injury or disease must arise out of and in course of employment. This policy therefore covers all employees regardless of position and salary. Benefits as per the Workers’ Compensation Act 2000,
This cover would be required for indemnity against “All Risks” of physical loss and/or damage to money whilst in transit to and from the premises and whilst in the premises during and after working hours. Money as defined;
i) Insured’s premises after business hours in locked safe
ii) At insured’s premises during business hours
iii) Cash in Transit
iv) Cash with Authorized Official
v) Estimated Annual Carry
This policy indemnifies the employer all such direct pecuniary loss not exceeding the amount of guarantee resulting from any act of fraud or dishonesty committed by the insured’s employees.
The policy covers any unforeseen and sudden physical loss or damage from any cause to the property insured other than those specifically excluded in a manner necessitating repair or replacement.
The policy applies whether the Insured property is functioning or at rest, being dismantled for the purpose of cleaning or overhauling, or in the course of re-erection but only after successful commissioning.
This policy provides protection against loss of movable items by theft accompanied by violent entry into and/or exist from the premises. In view of the remote possibility of total loss by the theft of all the items at various locations in a single burglary event, we would recommend incorporation of the first loss sum insured to act as the insurers limit of liability for anyone loss and also the maximum under the policy
The Loan Protection Insurance cover protects banks, microfinance institutions and SACCOs against the unexpected loss following the death or total permanent disability of the borrower.
In the event of the Client Debtor losing his capacity to maintain his monthly instalments or servicing his loan or over draft as a result of:
-Death/Disappearance from any un-excluded cause
-Total Permanent Disablement
-Temporary Total Disablement
This Insurance protects Professionals such as Accountants, lawyers, medical personnel, Insurance brokers, Engineers etc against claims which might be made alleging that injury or loss resulted from their actions or advice..
This policy provides indemnity to the insured for legal liability to third parties for death, personal injury or loss of or damages to property occurring in connection with conducting the business insured under the policy.
This policy covers the following sections:
This section covers any unforeseen and sudden physical loss or damage from any cause to the property insured while under construction, other than those specifically excluded in a manner necessitating repair or replacement up to the limit stated in the policy
Third party liability
This section indemnifies the insured up to a limit stated in the policy if legally reliable to pay such damages as below.
-Accidental bodily injury or death of third parties.
-Accidental loss of or damage to property belonging to third parties occurring in direct connection with the construction or project and happening on or in the immediate vicinity of the site during the period.
This policy provides cover against risks of accidental breakdown or damage to valued plants and machinery as a consequence of breakdown.
An extension of this policy can be arranged to enable your business to meet fixed financial obligations such as payment of salaries, rent, etc, whilst the machinery is under repair.
This policy offers indeminity against the risk of accidental breakage of glass of show rooms, office buildings etc.
These policies protect the insured against risk of damage and loss of goods whilst in transit locally or internationally. The goods may be carried by road, rail, air or sea or a combination of modes of transport