We offer a wide range of Insurance Products

PROPERTY INSURANCE

Fire Insurance
Under this policy, the insurer agrees to make good for loss or damage occasioned by fire, lightning or explosion.
The policy is extended to include: -
(a). Special perils.

• Rain
• Floods.
• Hail, wind, hurricane.
• Storm, tempest.
• Aircraft or other device dropped therefore.
• Impact by road accident/animal.
• Subterranean fire
• Bursting or overflowing of water pipes or tanks.

(b). Explosion.
(c). Earthquake, Fire & Shock.
(d). Spontaneous Combustion.
(e). Malicious Damage
(f). Riot, Strike & Civil.
(g). Loss Of Rent.

Motor Insurance

Motor insurance is compulsory in Kenya. A full range of private, Commercial, PSV and Goods carrying vehicles insurances are available.

Cover:

• Comprehensive
• Third Party, fire & Theft.
• Third Party only.
• For further information please contacts our

Download Motor Accident Claim form (click here) pdf

Plate Glass
This Insurance cover damage or breakage to glass as from any cause not specifically excluded under the policy. It is suitable cover for showrooms offices and supermarkets.

Burglary
This insurance provides cover to insured property whilst in described premises against loss or damage due to housebreaking, burglary or attempted housebreaking or burglary.

Homeowners/Domestic Package Insurance.
The typical homeowners policy consists of the following parts: -

• House and Other Structures:
  The total amount to insured should be equal to what it costs for rebuilding (not the market value)
• Personal Property:
  This is a coverage for personal belongings such Furniture, Clothing, Electronics, Kitchen Equipments etc.
• All Risks:
  This is the coverage for valuable such as jewellery, contact lenses/glasses, cellular phone etc.
• Personal Liability:
  This is the coverage against liabilities of the tenants or owner of the dwelling.
• Domestic Liability:
  It provides coverage to domestic servant against injuries whilst on their duties.

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MARINE/AVIATION INSURANCE

Marine: -
The following covers are offered: -

• Marine hull
• Cargo
• Goods in Transit etc.

Aviation: -
Under aviation insurance the following types of cover are offered: -

• Hull & liability for fixed and rotor wind aircraft
• Hull war risks
• Loss of license
• Passengers/crew personal accident
• Aviation repairers/hanger- keeper’s liability
• Aviation fueling and refueling liability
• Airport owners & operators liability

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PECUNIARY INSURANCE

Insurance of Money.
This class of insurance provides cover for loss of money whilst: -

• In transit.
• Held in locked safe/strong room in insured premises by burglary or housebreaking.

The following is also covered: -

• Hold-up risks.
• Riot & Strike.

Fidelity Guarantee.
Under this policy cover is provided against loss of money or goods due to any employees committing acts of forgery, or of embezzlement, larceny, misappropriation and or fraudulent means.

This covered can be granted in respect of all employees directly dealing with cash or account transactions.

Scope of cover: -

• Limit of guarantee per employee.
• Limit of guarantee per annum.

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ENGINEERING INSURANCE
We offer insurance advice and arrange cover for a wide range of risks to plant and equipment across a broad spread of industries. Each risk exposure is carefully evaluated so that appropriate insurances can be arranged.

Cover available:

Boilers & pressure vessels

• Explosion
• Collapse
• Damage to surrounding property
• Damage to third party
• Breakdown
  

Machinery & electrical equipments / machinery

• Breakdown

Refrigeration equipment

• Breakdown
• Loss of refrigerant
• Damage to frozen stock

Lifting plant

• All risks of loss or damage
• Damage to goods being lifted
• Third party liability
• Collapse
• Damage to surrounding property

Electronic equipments/computer.
This insurance provides cover for unforeseen and sudden physical loss or damage to property such as: -

• Computer and its accessories
• Switchboard & telephone systems
• Other electronic equipments

Contractors all risks

Erection all risks

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CASUALTY INSURANCE.

Workmen's Compensations.

This insurance covers death and bodily injures to the employee during and in the course of employment. The cover also includes occupational diseases arising out of employment.

Limit provided are as per workmen's compensation act.

Download Workmen's Claim form (click here) pdf

Group Personal Accident:

This type of coverage allows employers to insure their employees against personal accident risks.

The salient features of this coverage are: -

• 24hours, worldwide coverage.
• 100% of sum insured is paid in case of death, permanent total disablement.
• In case of permanent partial disablement a certain percentage of the sum insured is paid depending on
  which part of the human body is injured.
• Weekly temporary benefit in case the insured person sustains an injury which confines him/her to bed
  and unable to resume his duties.
• Medical expenses as a result of accident.

Medical Insurance:

We have medical schemes specially designed to suit the needs of employers. The salient features of this scheme are: -

• Consultation with registered and approved medical practitioner.
• Outpatient treatment.
• Cover for pathology radiology, and physiotherapy as part of treatment
• Emergency dental treatment following an accident.
• Evacuation.

1. Employer's liability:
Employer's legal liability for accidental bodily injury or disease contracted by employee in the course of their employment in the business.

2. Public liability:
Insurance covering legal liability resulting from accidental bodily injury to any third party person or damage to their property arising in connection with the carrying on of a business.

3. Product liability:
Legal liability for accidental bodily injuries to any third party person, or damage to their property, caused by defect in goods, sold, supplied, repaired, altered, treated or serviced by the insured persons or company.

4. Professional indemnity
Legal liability for damages, costs and expenses in respect of claims made for financial loss by third party arising out of any negligent act, error or omission in connection with the provision of professional advice or services given for fee.

5. All risks

6. Bonds

For any other covers, that may not be mentioned here, please drop us an e-mail at aristocrats@iconnect.co.ke for more information.

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