SME Combined Covers

Fire and Special Perils

This policy will provide cover for damage or destruction to insured property by fire, lightning or explosion of domestic appliances, riot & strike, malicious damage, electrical faults, explosion, earthquake, floods & bush fire. Property may suffer loss from aerial falling objects such as aircrafts. The policy is suitable to cover business assets such as buildings, stocks in trade, work in progress, contents, plant and machinery.

Professional Indemnity

This is a form of insurance that protects professionals from legal liability/lawsuits that may result in financial losses or disrupt operations. These liabilities may arise due to alleged negligence or failure to render your own professional services or skills for others.The policy is suitable to cover business assets such as buildings, stocks in trade, work in progress, contents, plant and machinery.

Fidelity Guarantee Insurance

This policy offers protection against loss of money, securities, property or goods belonging to a business resulting from an act of fraud committed by an employee.


This provides financial compensation for loss or damage to property and valuable items due to burglary. It protects the insured from loss by theft accompanied by visible forcible entry or exit out of the premises.

All Risks Insurance

Covers movable valuable items like; laptops, jewelry or other personal items from accidental damage, destruction and displacement.

Work Injury Benefits Act (WIBA)

WIBA policy covers employees while on duty. It covers against occupational bodily injury and illness suffered by employees while in the course of their work. Reduce healthcare costs for your organization and employees with fewer health risks experience fewer sick days, fewer trips to the doctor, and spend more time working, bringing their best selves to work every day.


The scheme is mandatory for all employers in Kenya. This has been made possible by the WIBA Act of 2007.
WIBA is an insurance cover that protects employees against any injuries sustained whilst in the course of duty. In case of any injury, employees are compensated as per the defined scale of benefits.

Political violence& Terrorism

This covers the physical loss or damage resulting from acts of terrorism or political violence. It is ideal for buildings, vehicles, plant & machinery, stock in trade, contents in office premises and goods in transit.

Public Liability Insurance

Protects an insured person or organization against claims brought about by members of the public (third parties) caused by loss of or damage of third party property or death, bodily injury to third parties, as a result of your business activities.

Employers Liability Insurance

This policy protects employers against legal liability under common law, negligence or breach of statutory duty if an employee or ex-employee sues for illness, injury or even death caused by their work.
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