1. Trade, Transport & Logistics

This covers: retails, wholesalers, manufacturers etc.

  • Business combined policy: This covers fire & perils, theft, all risks, business interruption, transit risk, money insurance, public liability
  • Motor insurance
  • Marine insurance
  • Trade Credit: This is a risk management offered to protect accounts receivable of business entities from loss due to credit risks such as protracted default, insolvency or bankruptcy.

            Benefits of Trade Credit:

  • Safer business growth through expansion of new and existing markets
  • Your cash flows are protected with a credit insurance policy as you are protected against bad-debt losses
  • Your business has better borrowing and financing options as it can secure better borrowing terms with the security that credit insurance provides
  • Employee Solutions: WIBA Plus, Medical Insurance and Group Life

2. Construction & Real Estate

  • Contractors Plant & Machinery
  • Fire & Perils: This provides indemnity for loss of and/or damage to buildings and contents resulting from one or a combination of the following causes: Fire; Lightening; Explosion; Earthquake and Landslides; Riots, Strike and malicious damage; Flooding and water damage; Falling/Aerial devices.
  • Fire Consequential Loss
  • Contractors All Risk
  • Political Risk & Terrorism

3. Professionals

This covers the following professionals: Doctors, Lawyers, Architects, Engineers, Accountants, etc.

  • Professional indemnity: Provides financial protection (cost of defending claims and any damages payable) in the event that clients suffer financial loss as a result of alleged wrongful or negligent advice, acts or omissions from professionals.
    Cover includes; breach of professional duty, defamation, loss of documents, breach of confidentiality, dishonesty and costs for disciplinary hearings.
  • Office combined policy: This covers fire & perils, theft, all risks, electronic equipment, public liability
  • Employee solutions – medical, group personal accident insurance, group life insurance

4. Learning Institutions & Churches

  • Assets insurance – motor, buildings, computer labs, generator, etc.
  • Group Personal Accident cover for students, teachers & non-teaching staff. This covers death, disability, medical expenses following an accident, artificial appliances, hospital cash and last expense.

5. Agribusiness 

  • Livestock insurance. This covers: Cattle, pigs, goats, sheep, rabbits, poultry, horses, commercial dogs
  • Crop insurance. This covers: Wheat, Barley, Sorghum, Maize, Tea, Tobacco, Vegetables, Sugar cane, flowers, green house crops.
  • Greenhouse insurance
  • Assets insurance e.g. combined harvester, tractors, etc.