What We Cover – Kisima Medical & General Insurance Agency Ltd

Our Covers

Insurance solutions to protect what matters most to your family and business.

Personal Insurance Covers
Business Insurance
Employee Benefits
Speciality Insurance

- Home Insurance
- Car Insurance
- Travel Insurance
- Apartment Insurance
- Secondary Home Insurance
- Motorcycle Insurance
- Valuable Possessions Insurance
- Funeral Expense Insurance
- Travel Insurance
- Personal Accident Insurance
- Renters Insurance
- Student Personal Accident
- Individual Life Insurance
- High Net Worth Insurance

- Comprehensive Insurance for Small and Medium-Sized Enterprises (SMEs)
- General Liability Insurance
- Business Auto Insurance - Nairobi, Kenya
- Commercial Property Insurance
- Work Injury Benefits Act Insurance
- Commercial umbrella insurance
- Ocean Marine Insurance
- Inland Marine Insurance
- Machinery Breakdown Insurance
- Fidelity Guarantee/Employee Dishonesty/Theft by Servant
- Employers Liability Insurance
- Property Terrorism and Sabotage
- Risk Management
- Manufacturer Insurance

- Medical Insurance
- Work Injury Benefits ACT (WIBA) Insurance
- Total Employee Benefits Insurance
- Group Life Insurance
- Pension Schemes
- Group Personal Accident Insurance
- Life and Accidental Death and Dismemberment Insurance
- Long Term Care Insurance
- Disability Insurance
- Flexible Spending Accounts
- Group Voluntary Benefits
- Critical Illness Insurance

- Key Man Life Insurance
- Construction All Risks insurance
- Environmental Insurance
- Machinery Breakdown Insurance
- Ocean Marine Insurance
- Inland Marine Insurance
- Directors And Officers Liability Insurance
- Professional Indemnity Insurance
- Manufacturer Insurance
- Restaurant Insurance
- Non-Profit Insurance
- Cyber Liability Insurance
- Technology Firm Insurance
- Aviation Insurance
- Dental Office Insurance
- Medical Office Insurance
- School Insurance

Home Insurance

Your home is one of your biggest assets, and you must do all you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.

Car Insurance

Your vehicle can be a fairly costly investment – one that is exposed to many potential losses that are out of your control. We’ll ensure you have the protection you need at a price you can afford. Talk to us today, and let’s safeguard your vehicle from potential risks.

Travel Insurance

Travel Insurance gives you peace of mind knowing that if anything occurs while travelling, you will not face the inconvenience of inflated financial costs to keep enjoying your trip. It comes in handy, especially for lone travellers and those on a tight budget.

Apartment Insurance

The master apartment policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need

Secondary Home Insurance

Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.

Motorcycle Insurance

While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage – no matter what journeys you find yourself on.

Valuable Possessions

Your Wedding Rings, Heirlooms, Chandelier, Amongst Other Valuables Are Covered From Theft, Accidental Damage And Other Risks

Funeral Expense

The cover caters for funeral costs in the event of death. The cover is paid out within 48 hours upon notification of the death of an insured family member to assist the family in covering the associated funeral expense burden.

Renters Insurance

When you rent or lease, your landlord’s insurance usually only protects the building itself — not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.

Personal Accident Insurance

Nobody knows when or where an accident will happen, but a Personal Accident insurance cover can prepare you for it. Get total compensation if accidental death or disablement, so you can rest easy knowing that you and your family are taken care of with the right cover package.

Student Personal Accident Cover

The answer lies in the uncertainties and risks they face every day. Whether it’s participating in sports activities, commuting to and from college, or engaging in extracurricular pursuits, students are exposed to various potential hazards.

High Net Worth Insurance

Despite the name, high net worth insurance isn’t simply a variation on ordinary personal insurance with higher coverage limits and higher premiums. Instead, it’s about recognizing that people with large assets have unique coverage needs.

Individual Life Insurance

A Life insurance is a long-term plan to save money and protect your family if something bad happens to you. This policy is an agreement between you (the policyholder) and an insurance company. In exchange for your regular payments, the company promises to pay you money if you die.

SME Insurance

Business insurance covers have a lot of fine print. As such, business owners need to be familiar with it. With this package, we help protect your business holistically so that you concentrate on your core business activities.

General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

Comprehensive Insurance for (SMEs)

General Liability Insurance

Business Auto Insurance

Commercial Property Insurance

Protect Your Income Generating Assets From Risks Like Fire Perils, Loss of Income or Third-Party Liability in Nairobi, Kenya

Work Injury Benefits

Work Injury Benefits Act insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

Commercial Umbrella

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Ocean Marine Insurance

Ocean marine insurance is insurance used to protect cargo, vessels and other items while they are being transported across the ocean. We’ll work with you to design coverage that provides real protection when you’re in open waters.

Inland Marine Insurance

Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.

Machinery Breakdown Insurance

Machinery Breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.

Fidelity Guarantee / Employee Dishonesty / Theft by Servant

Protection against the loss of money or stock by fraud or dishonesty of employee(s).

Employers Liability Insurance

This cover protects employers from major financial loss should an employee experience a job-related illness or injury whose scope is not covered under the Work Injury Benefits Act (WIBA) Insurance. Such loss may include defence costs, settlements, damages or judgments.

Property Terrorism and Sabotage

The threat of terrorism has increased and become a greater concern for businesses in today’s uncertain and constantly evolving global political climate. Once a seldom needed element included within most property policies, terrorism coverage is now a necessary part of a comprehensive risk management program.

Risk management

Every business has unique goals, just as it has industry-specific risks. Achieving those goals while minimizing the potential risks is what every risk management plan strives to achieve.

Manufacturer Insurance

Manufacturers come in all shapes, sizes, and product lines. But no matter what manufacturing business you’re in, there’s one thing in common: the need to protect your business. We can help you design the right manufacturer’s insurance policy.

Group Medical Insurance

We recommend our clients consider group medical insurance to attract and retain high-calibre staff. When done in a consultative manner, we can get coverage that best suits the needs of the employees.

Work Injury Benefits ACT (WIBA) Insurance

Work Injury Benefits ACT (WIBA) Insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

Total Employee Benefits Insurance

Managing various employee based policies may be challenging with cover the risk of coverage gaps and overlaps. This solution is cost effective and administratively.

Group Life Insurance

Group Life Insurance or Assurance is an annual cover that provides compensation to the deceased’s beneficiaries in the unfortunate event that the assured dies while in the service of the employer. This is a benefit given by the employer to his employees, and it is the employer who pays for the premiums. The rule of thumb is that the benefits are calculated based on the member’s annual salary, age, and gender, and the sum assured is paid to the dependents.

Pension Schemes

A well-designed and well-managed pension is a great way to attract and retain quality employees. We’ll help design a pension scheme that gives your business a competitive edge.

Group Personal Accident Insurance

This policy covers your employees for accidental death and total disability, replacement of lost accident income during a temporary disability, medical expenses for 365 days a year, worldwide including as fare-paying passengers on any licensed form of public transport, including commercial aircraft.

Life and Accidental Death

Some employees may want coverage that goes beyond life insurance or workers compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.

Long-Term Care Insurance

Offering long-term care insurance as an employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We’ll guide you through the process.

Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

Flexible Spending Accounts

Healthcare can get expensive. We can enhance your employee benefits package with a Flexible Spending Account that helps your employees save money on everyday healthcare expenses.

Group Voluntary Benefits

Are you looking for a low-cost way to enhance your employee benefit offerings? With group voluntary benefits, you can give your employees the opportunity to secure valuable coverage at significantly lower rates than they’d pay as individuals.

Critical Illness Insurance

Serious health events and illnesses can be devastating for your employees and their families in many ways, not the least of which is financially. Even with health insurance, situations like these can leave someone owing tens of thousands of dollars or more in medical bills. Critical illness insurance can help.

Cyber Liability Insurance

Cyber Liability Insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

Key Man Life Insurance

Key man life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure the continuity of your business for employees, customers and creditors.