Comprehensive Coverage for Everyday Risks
Our General Insurance products are designed to give you peace of mind by protecting your personal and business assets against life’s uncertainties. Whether it’s your home, car, or business, we provide tailored solutions to safeguard what matters most to you.
Our General Insurance Products
Domestic Package (DP) Insurance
This policy insures the home. It combines coverage for the home — the building and household contents — as well as domestic workers against death or injury while in the course of employment. The policy also covers homeowners or occupiers against lawsuits for injury or property damage caused to other people (third parties).
Personal Accident and Group Accident Insurance
Personal Accident Insurance provides financial benefits to an individual if involved in an accident resulting in injuries or death. Group Accident Insurance provides the same protection for a group such as employees, families, or organizations with a shared interest.
Medical & Group Medical Insurance
This health insurance policy covers medical expenses for individuals or groups. It can be inpatient, outpatient, or a combination of both. It ensures that illness or injury does not burden you financially while maintaining access to quality healthcare.
Professional Indemnity Insurance
This policy covers legal liability to third parties arising from professional negligence, errors, or omissions during service delivery. It’s ideal for doctors, lawyers, engineers, and consultants.
Fire and Perils Insurance
The basic fire and perils insurance covers loss or damage to property caused by fire, lighting or explosion. This insurance covers assets such as buildings, plant and machinery, stock insurance, office equipment, furniture, fixtures and fittings. The cover can also be extended to cover riots, strike, malicious damage, storm,earthquake, impact by vehicles, aircraft or other aerial devices, subterranean fire, spontaneous combustion or overflowing water from tanks and pipes.
Business Interruption Insurance
This policy provides cover for loss of profits caused by reduction or interruption of production due to damage caused by fire and allied perils to the insured’s premises. Allied perils are perils such as earthquake, flood, explosion, malicious damage that are insured in addition to fire at additional premium.
Burglary or Theft Insurance
Burglary or theft insurance covers loss or damage of insured property because of theft accompanied by visible, forcible and violent entry into, or exit out of the insured premises. The policy extends to cover damage to the doors, windows, walls and roof by intruders in their attempt to gain entry and exit. Fixtures and fittings. The insurer guarantees to pay for the loss or damage to the property for the specified period(usually one year). The valuation of property is made according to the market value.
Money Insurance
All businesses handle money in some form – cash, cheques, credit card slips, bankers’ drafts and others- making this form of insurance essential for businesses large and small. Money insurance covers loss or damage of cash in transit, cash in premises, cash in safe, cash with authorized staff and damage to safe/strong rooms. addition to fire at additional premium.
Fidelity Guarantee Insurance
Fidelity Guarantee insurance covers an employer against loss of money, business equipment, securities or other goods belonging to the business resulting from an act of fraud or dishonesty by employees for improper personal financial gain in the course of their duties. The policy extends to cover damage to the doors, windows, walls and roof by intruders in their attempt to gain entry and exit. Fixtures and fittings. The insurer guarantees to pay for the loss or damage to the property for the specified period (usually one year). The valuation of property is made according to the market value.
Carriers Legal Liability Insurance
Carriers Legal Liability Insurance insures a carrier (person or entity providing transportation for hire) against legal liability claims. The insurance covers accidental loss or damage to goods in the custody or control of the insured whilst in transit by road, rail, inland waterway, air or any other specified means. The cover territory is within Kenya however, it can extend to East Africa based on agreement with the insurer.
Goods in Transit (GIT) Insurance
Goods in Transit Insurance covers loss or damage to goods and/or merchandise while moving it from one place to another. This cover is restricted to Kenya but can be extended to cover East Africa subject to agreement with the insurance company.
Work Injury Benefits Act (WIBA) Insurance
The Work Injuries Benefits Act No. 13 of 2007, requires that all employers must provide compensation to employees for work related injuries or diseases contracted as a result of work. WIBA insurance policy responds to the requirements of the above Act. It covers employees whilst on duty against accidental bodily injury, disablement or death. Compensation is payable in accordance with the provisions of the WIBA Act 2007. The maximum benefit is set at 96 months’ salary.
Employers’ Liability (EL) Insurance
Employers’ liability insurance protects employers from their legal liability to an employee for injury arising out of, and in the course of employment. The policy protects the Employers against lawsuits brought against them by employees due to allegations of injuries or contracting diseases because of employer negligence. The employee must prove negligence on the part of the employer e.g. if injury is a result of lack of a helmet– which the employer failed to provide.
Travel Insurance
The insurance is dependent on coverage limits, which also determine the premium paid. Covered risks and exclusions vary significantly by policy type, insurer, and travel preferences.
Contractors` All Risks (C.A.R) Insurance
It is a Policy Cover meant for Contractors undertaking Building and Civil Engineering Works covering risks surrounding the construction process of an actual property being built or developed at a specified Contract Site. It isa Term Policy, not an annual Policy i.e. based on the Contract Period which can range from one month to a mega risk of four years equivalent of (48) months. failed to provide.
Marine Insurance
Marine insurance is broadly divided into three categories namely:Marine Hull Insurance, Marine Cargo Insurance and Marine Third Party Liability. a) Marine Hull insures risks associated with boats, canoes, dhows, vessels, ships and other marine vessels. Performance Bonds Performance Bonds are not insurance risks in the real sense of the word and description of an insurable risk as these dwell more on the integrity of the party being guaranteed (our Insured) as opposed to a risk capable of scientific and financial evaluation.
Tender / Bid Bonds
These are similar to Performance Bonds only that they are in different use/purpose. They are only used by Bidding Contractors when tendering for Projects.
Motor Insurance
Motor private comprehensive insurance covers accidental damage and/or loss to the insured’s private vehicle caused by unforeseen incidences such as collision, fire, theft and other unforeseen natural causes, and also provides compensation to third party injury and third-party property. Motor commercial insurance covers accidental damage to vehicles used for business purposes. It also covers third party injuries and property damage. Such vehicles include lorries and canters.
Why Choose Our General Insurance?
Comprehensive Protection
From homes to businesses, we cover every essential risk.
Personalized Service
Tailored solutions designed to fit your lifestyle and needs.
Fast Claims Process
Quick, transparent, and hassle-free claims handling.
Ready to Get Covered?
Talk to our experts today and secure your future with General Insurance from C & G.
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