Fire and fire-related perils
Protects against loss or damage due to fire and allied perils such as floods, earthquakes and riots. This covers only tangible, material damage.
Burglary
Covers only theft following violent entry to or exit from the premises. Proof of forced entry or exit is required.
Goods in transit
Protects against loss of goods during transit related to business within the country by road or rail.
Money
This covers physical loss of or damage to money due to all risks, including robbery and damage.
Marine insurance
Covers loss of or damage to import or export goods from warehouse to warehouse. It can also be arranged on a voyage-by-voyage basis.
Business all risks
Cover against loss of or damage to valuable portable business tools and equipment used away from the business premises.
Contractors all risks
Covers damage to contract works and construction material. Includes fire and allied perils, theft, and liability to third parties for damage to property and bodily injury.
Electronic equipment
Cover against accidental loss of or damage to computers, mechanical and electrical breakdowns, including power surges. Can be extended to cover increased cost of working.
Employer’s liability
To cover your business’ legal liability in the event of an employee being injured in the course of duty. This is contingent cover in case the employer is sued under common law, when the outcome is potentially more onerous liability than provided for under statutory liability.
Public liability
Covers your business’
legal liability to third parties arising out of accident, death or injury due to your activities in the course of business. Death or injury caused by products is excluded and must be insured under a separate policy.
Group personal accident
Pays out a predetermined amount, linked to the employee’s earnings and the extent of the disability, in the event of the death or permanent or temporary disability of an employee. It covers employees outside working hours as well.
Workmen’s compensation
Cover for employees in accordance with statutory requirements under the Workmen’s Compensation Act.
Business interruption
Protects your business against loss of profit as a result of damage covered under fire and related perils. The actual damage suffered is often less than the subsequent loss of profit.
Fidelity guarantee
Covers loss arising out of fraud or dishonesty by your employees (this is excluded under the burglary policy). Where an employee helps an outsider to commit theft, it is regarded as infidelity by the employee and will be covered under this policy.
Electronic equipment
- Police abstract for theft or fire
- Witness statement or insured’s statement highlighting the circumstances of loss
- Technical report in cases of damage to electronic equipment
- Documents in support of amount being claimed, such as invoices and receipts
- Documents to proof the existence of items such as purchase receipts
Please contact your nearest branch for a claim form.
Contractors all risks
- Police abstract for theft or fire
- Witness statement or insured’s statement highlighting the circumstances of loss
- Documents in support of amount being claimed, such as invoices and receipts
Please contact your nearest branch for a claim form.
Group personal accident
- Medical certificate
- Witness statement or insured’s statement highlighting the circumstances of loss
- Police abstract for cases like road accidents and murder
- Death certificate for fatal cases
- Payslip for claimant in the month prior to the accident
- Hospital and medical bills
Please contact your nearest branch for a claim form.
Business all risks (office/business equipment)
- Police abstract for theft or fire
- Witness statement or insured’s statement highlighting the circumstances of loss
- Technical report in cases of damage to electronic equipment
- Documents in support of amount being claimed, such as invoices and receipts
- Where possible, documents to proof the existence of items such as purchase receipts
Goods in transit
- Police abstract
- Witness statement or insured’s statement highlighting the circumstances of loss
- Documents in support of amount being claimed, such as supplier’s invoice and receipts
- For third-party goods: demand notices, debit notes, waybill, contract of carriage and consignment note
Engineering
- Technical report
- Service record from the maintenance company
- Documents in support of amount being claimed, such as invoices and receipts
- Witness statement or insured’s statement highlighting the circumstances of loss
Please contact your nearest branch for a claim form.
Fidelity guarantee
- Police abstract
- Detailed statement from the insured giving information on how the fraud was carried on, how they discovered it and the checks and controls that were in place prior to the loss
- Documents in support of amount being claimed such as invoices, sales reconciliations and audited accounts
- Copies of payslip for the defaulter(s)
- Letters of dismissal for the defaulter(s)
Public liability
- Witness statement or insured’s statement highlighting the circumstances of loss
- Demand letter from claimant
- Documents in support of amount being claimed, such as invoices and receipts
Please contact your nearest branch for a claim form.
Workmen’s compensation
- Witness statement or insured’s statement highlighting the circumstances of loss
- Police abstract for cases like road accidents and murder
- Required Labour Forms, i.e. LDI 306 & LDI 307 ‘A’
- Death certificate for fatal cases
- Hospital and medical bills
Please contact your nearest branch for a claim form.
Employer's liability
- Witness statement or insured’s statement highlighting the circumstances of loss
- Police abstract for cases like road accidents and murder
- Death certificate for fatal cases
- Demand letters/plaints/summons must be forwarded to us upon receipt without answering
Please contact your nearest branch for a claim form.
Machinery breakdown
- Notification letter
- Police report
- Original purchase receipts/invoice
- Valued inventory
- Survey report
- Engineering report
Please contact your nearest branch for a claim form.
Business interruption
- Notification letter
- Police report
- Survey report
Please contact your nearest branch for a claim form.
Marine insurance
- Notification letter
- Police report
Please contact your nearest branch for a claim form.
Need more information or assistance?
Visit your nearest branch or call our contact centre:
+255 768 984 000 | +255 22 219 9793 | +255 768 980 191
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