General Insurance

Designed to cover business premises, contents, and stocks. Suitable for all business people. It covers property against fire, damage by water, theft, Sabotage, mutiny, rebellion, malicious damage, political violence, terrorism, etc.

2. Home Insurance

This is a comprehensive protection for home owners or tenants against loss or damage to domestic buildings and/contents by fire, lightning, explosion, riot and strike, civil commotion, malicious damage, theft, burglary, all types of water damage etc. Home insurance has the following sections:

Buildings.

All contents in the house i.e. Electronics, Furniture, Clothing etc.

All contents in the house i.e. Electronics, Furniture, clothing etc.

WIBA – Covers domestic employees against death, injury while at your custody.

Owners & occupiers Liability – Protects home or house owner against legal liabilities

3. Money Insurance

This policy is ideal for institutions handling money such as Banks, M-pesa shops, betting shops, and jewelry dealers. The policy covers loss or damage to money by robbery or theft whilst:

In transit from your premises to the bank and vice versa

In your premises during business hours

Damage to safes and /or strong rooms

In your premises in locked safes/strong rooms outside business hours

In the hands of senior employees/authorized personnel of the company

4. Marine Insurance

Designed to cover risks of loss or damage from fortuitous causes. Suitable for all customers transporting goods by sea or air. It gives cover against: Sinking, Stranding, Fire, Collision, Sea water, Heavy weather, Contact, Explosion, Damage during discharge or loading Special charges incurred at the point of distress etc.

5. Liability Insurance

Designed to provide indemnity to the insured in respect of the financial consequence of legal liabilities towards third parties arising out of business activities. When liabilities arise, damages or compensation becomes payable. Suitable for public, employers and professionals.

The main classes of liability insurances are:

Public liability – Claims arising from third parties with respect to accidental bodily injury, or accidental loss of or damage to third party property.

Employers’ liability – Claims arising from legal liability in respect of accidental death, bodily injury or illness/disease to employees arising out of and in the course of employment.

Professional Indemnity – Provides cover to the professional against the enormous costs of litigation as well as financial damages that may be awarded on a law suit for errors or omissions that may occur in the course of performance of their duties. This policy is suitable for Lawyers, Doctors, Architects, Accountants e.t.c.

Product liability – legal liabilities for accidental injury to third parties or damage to their property caused by products sold, supplied, repaired or tested by the insured. This policy is suitable for hotels, food manufacturers, fertilizer manufacturers, etc.

6. Contractors All Risks Insurance

This covers the contractor for loss or damage from insured perils that may occur during construction for buildings, roads, bridges, dams, and other like infrastructure.
This policy is ideal for civil engineers, construction companies in property development and maintenance of bridges, roads, dams, sewerage and other infrastructural erection.

It also covers the cost of repairing or replacing indemnifiable breakdown or losses to machinery.

Machinery Breakdown Insurance

Machinery breakdown insurance provides cover against sudden and unforeseen physical loss or damage to the insured machinery.

8. Consequential loss/Business interruption/Loss of profits Insurance

This policy covers the lost income/profit which would have been achieved by the business if the interruption due to material damage had never happened.

This policy is ideal for, rentals, schools and colleges, professional firms such as estate agents, solicitors, accountants & doctors, manufacturing companies, storage companies and traders of stocks.

9. Transit of Goods

This policy provides cover for loss or damage of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy.

This policy is ideal for transport companies, individual transporters and logistics companies involved in transportation of letters or package.

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Insurance Application

You can apply for this insurance cover by filling and submitting the insurance application form.

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Contact

Kalundu in Kitui Town, Kenya
0775 383 227 or 0758 929 385
info@univisionsacco.co.ke

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Contact

3111 West Allegheny Avenue Pennsylvania 19132
1-982-782-5297
1-982-125-6378
support@consultio.com

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Characteristics

General Insurance