Complex Risks Deserve Specialist Cover

Marine / Cargo Insurance

Covers goods in international and domestic transit by sea, air, or road: import, export, and inland movement on Institute Cargo Clauses.

Marine cargo insurance covers goods being moved internationally and domestically: predominantly by sea, but also by air, road, and rail. The wording is built on the Institute Cargo Clauses (ICC A, B, and C), an internationally standardised framework that determines what perils are covered. Cargo insurance is distinct from the carrier's own liability, which is severely limited by international convention, for any meaningful import or export value, the cargo owner needs their own cover.

Aviation Insurance

Hull and liability cover for aircraft operators, owners, charter companies, flying schools, and aviation service providers across the region.

Aviation insurance is a specialist class placed almost entirely through reinsurance markets in London, with limited local capacity. Cover includes hull (physical damage to the aircraft), passenger and third-party liability, and ground risks. Each of which is rated and underwritten distinctly. Kenya has a substantial general aviation sector. Charter operators, flying schools, agricultural aviation, NGO and tourism operators: and a small but growing commercial fleet.

Bonds (Bid, Performance & Advance Payment)

Financial-guarantee bonds for government tenders, construction contracts, supply agreements, and customs obligations.

Insurance bonds are financial guarantees provided by an insurer to a beneficiary (typically a public-sector buyer or contracting authority) on behalf of a principal (a contractor or supplier). If the principal fails to meet the underlying obligation, bidding, performing, repaying an advance, or paying customs. The insurer pays the beneficiary up to the bond limit, then pursues recovery from the principal. Bonds free up the contractor's working capital that would otherwise be tied up in cash deposits or bank guarantees.

Political Violence & Terrorism (PVT) Insurance

Covers business assets and operations against loss from riot, strike, terrorism, sabotage, civil commotion, and political violence in Kenya and the region.

Political Violence and Terrorism (PVT) is a specialist class covering loss to business assets and operations arising from acts of terrorism, sabotage, riot, strike, civil commotion, insurrection, and similar political-violence events. Standard Fire and IAR policies cover only the lower end of this spectrum (riot and strike are usually included; full terrorism and sabotage are explicitly excluded). PVT plugs the gap that has become economically critical in Kenya since 2010.

Cyber Liability Insurance

Protects your business against the financial and legal fallout of data breaches, ransomware attacks, business email compromise, and cyber-related liability.

Cyber Liability is the dedicated cover for the modern threat profile most Kenyan businesses now face: ransomware, business email compromise (BEC), data breaches, social engineering fraud, and the legal liability that follows when customer or employee data is exposed. Kenya's Data Protection Act, 2019 imposes specific obligations on data controllers, including notification of breaches and potential ODPC penalties, and cyber liability is the product that responds to both the operational fallout and the regulatory consequences.