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
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.
- 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.