Motor commercial insurance is a type of insurance policy that provides coverage for commercial vehicles used for business purposes. It's designed to protect business owners from financial losses resulting from accidents, theft, or damage to their commercial vehicles and liability for bodily injury or property damage caused by their vehicles.

• What is the range of vehicles?
  Delivery vans, trucks, buses, taxis, and other vehicles used for business purposes.
• What is the coverage?
  • Third-party liability coverage: This coverage provides protection for bodily injury or property damage caused by the insured vehicle to third parties.
  • Comprehensive coverage: This coverage provides protection for damage or loss to the insured vehicle due to perils such as fire, theft, vandalism, and collision.

Group life insurance is a type of life insurance policy that provides coverage to a group of people, typically employees of a company or members of an organization. It's designed to provide financial protection for the beneficiaries of the insured members in the event of their death.

• Who is eligible?
  Individuals whose age bracket is 18-65 years.
• Is there a waiting period?
  Yes 6 months for illness related events.
• What are the requirements to join the scheme?
  Completion of Individual application form,copy of ID, Payment of premium

Professional Indemnity Insurance (PII) is a type of insurance coverage designed to protect professionals against claims made by clients for wrongful acts committed in the course of providing professional services.

It provides financial protection for individuals and businesses against lawsuits, compensation claims, and legal expenses.

PII covers the cost of defending a lawsuit and any damages awarded up to the policy limit. It is often a requirement for certain professions such as lawyers, accountants, architects, insurance brokers,doctors and engineers.

WIBA stands for "Work Injury Benefits Act" and is a law in Kenya that provides a framework for compensation to employees who suffer injuries or death in the course of their employment. The law requires employers to provide workers' compensation insurance to their employees, which provides benefits to employees who are injured or disabled as a result of a work-related injury or illness.

What are the benefits provided?

1. Medical expenses: The law requires employers to provide medical treatment and expenses for work-related injuries or illnesses.
2. Disability benefits: The law provides compensation for temporary or permanent disability caused by work-related injuries or illnesses.
3. Death benefits: The law provides compensation to the dependents of an employee who dies as a result of a work-related injury or illness.
4. Funeral expenses: The law provides compensation for the funeral expenses of an employee who dies as a result of a work-related injury or illness.

Corporate Health Insurance is a policy provided by an employer to its employees as part of their benefits package. It's designed to provide coverage for medical expenses incurred by employees and their families, such as hospitalization, outpatient care, prescription drugs, and other medical services.

Corporate health insurance policies can vary depending on the employer and the insurer, but they typically offer the following benefits:

1. Inpatient hospitalization: This covers the cost of hospitalization, including room charges, nursing care, surgery, and other medical expenses.
2. Outpatient care: This covers medical expenses incurred outside the hospital, such as doctor visits, diagnostic tests, and laboratory fees.
3. Prescription drugs: This covers the cost of prescription drugs prescribed by a doctor.
4. Maternity coverage: This covers the cost of prenatal, delivery, and postnatal care for expectant mothers.
5. Emergency medical services: This covers the cost of emergency medical services such as ambulance services, emergency room visits, and emergency medical care.
6. Dental and vision care: Some corporate health insurance policies may also include coverage for dental and vision care.

Group Personal Accident (GPA) Cover provides coverage for accidental injury or death to a group of people, typically employees of a company or members of an organization. The coverage is designed to provide financial assistance to individuals and their families in the event of an accident resulting in injury or death.

GPA Cover typically includes coverage for accidental death, permanent disability, and temporary total disability. The coverage may also include medical expenses, rehabilitation expenses, and the cost of transportation and accommodation for the injured person and their family.

Bonds insurance is a type of insurance that provides financial protection to parties involved in a bond agreement, such as contractors, suppliers, and project owners. A bond is a financial guarantee that ensures that a contractor will complete a project as per the agreed terms and conditions. Bonds insurance protects the bond issuer against the risk of financial loss if the contractor fails to perform as per the terms of the bond.

Types of bonds:

1. Performance bonds - These bonds guarantee that a contractor will complete a project as per the agreed terms and conditions.

2. Bid bonds - These bonds guarantee that a contractor will enter into a contract if their bid is accepted.

3. Payment bonds - These bonds guarantee that a contractor will pay their suppliers, laborers, and subcontractors for their work.

4. Maintenance bonds - These bonds guarantee that a contractor will fix any defects in their work that may arise after completion of the project.

Fire and peril insurance is a type of insurance that provides financial protection to property owners against damage or loss caused by fire, lightning, and other perils. This type of insurance covers the cost of repairs or replacement of damaged property, as well as any associated costs, such as temporary living expenses, in the event of a covered loss.

What are the types of perils covered?

1. Fire and lightning.

2. Explosion.

3. Smoke damage.

4. Windstorm and hail.

5. Water damage caused by burst pipes or other accidental sources.

6. Riot or civil commotion.

7. Vandalism.

8. Theft.

9. Falling objects, such as trees or debris.

10. Aircraft or vehicle impact.

Contractors All Risks (CAR) insurance is a type of insurance policy designed to protect contractors and construction companies from financial losses associated with construction projects.

What is covered?

The policy covers :

• loss or damage to the contract works.
• construction equipment and tools.
• liability for third-party bodily injury or property damage that may occur during the construction process.
• It may also cover additional expenses such as debris removal, temporary work, and professional fees.

Who can purchase the cover?

• CAR insurance can be purchased by a contractor, builder, or property owner involved in a construction project.

At what point is it taken?

• It is usually taken out at the start of the project and remains in force until completion or handover of the project to the client.

Can it be customized?

• Yes.The policy can be customized to meet the specific needs of the project, and the premium is typically based on the value of the contract works and the nature of the construction activities involved.