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Business Combined Packages Insurance In Kenya

Tailor made insurance solutions for the Small Medium Enterprises in Kenya covering a wide range of risks faced by biashara owners. The package has several flexible sections which the insured may choose to include or exclude.

This combines several classes of insurance (i.e. Fire and perils, burglary insurance, All risks, Plate Glass, Money insurance, Workmen’s Compensation, Public Liability, Employee Dishonesty, Group Personal Accident, Computer and accessories).

This makes it convenient for the insured since all these insurance packages are renewed at the same time, have fixed terms and conditions and this eases the administrative work.

Common Insurance Covers on SME Package

Fire, Burglary and Perils

Cover buildings, fittings, furniture, machinery, stock against fire, burglary, accidental damage, lightning, flooding, earthquake and more.

Motor Insurance

Cover for motor vehicle assets for private, commercial and PSV purposes. Discounted rates for fleets of 3 or more cars and No Claims Discount (NCD) for good claims ratios.

Medical Insurance

Medical insurance packages for SMEs with a flexible range of benefits covering in-patient and hospitalisation, outpatient visits and consultations, optical, dental and maternity benefits. Compare low cost, mid and high end/executive covers and outpatient medical fund management services.

All Risks

Movable properties such as mobile phone, laptops, cameras, musical instruments, tablets and other mobile/movable items against all risks like fire and perils, burglary, accidental damage and theft.


Cover for company money in transit, money in the specified premises, money in locked safe/drawer, money with authorized staff, money with directors and estimated annual carry.


Mandatory Work and Injury Benefits Act (WIBA) to provide for compensation to employees for work related injuries and diseases contracted in the course of their employment and for connected purposes.


Death – 8 Years Earnings, PTD – 8 Years Earnings, TTD – Actual weekly earnings(upto 52 weeks), Medical Expenses – Kshs. 100,000, Funeral Expenses – Kshs. 30,000 per employee

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