OTHER INSURANCES

FIRE & PERILS
Provides cover for damage or destruction of insured property caused by fire, lightening and explosion.
This cover can be extended to cover:
•    Malicious Damage
•    Riot & Strike
•    Special perils e.g. floods

MOTOR INSURANCE

covers motor private and commercial vehicles(including special types).
This is a compulsory insurance according to the laws of Kenya.
1.    Third Party Only. This is the minimum mandatory insurance which covers liability to third parties only for bodily injury and property.
2.    Third Party Fire and Theft  extends the cover to the insured vehicle against damage or theft.
3.    Comprehensive Insurance covers a wider scope:
•    Death and bodily injury and or damage to property liability to third parties
•    Loss or damage to vehicle, arising out of accidental collision, overturning, fire, explosion,lightening, theft and malicious damage.
Important exclusions under this policy include:
•    Loss falling within the policy excess
•    Political Risks-can be bought back at an extra cost
•    Terrorism- Can be bought back at an extra cost
•    Use of vehicle by unauthorised person or a person without a valid driving licence
•    Use of vehicle for carriage of passengers for hire and reward
*Note: Agricultural type vehicles, e.g. tractors , combine harvesters, caterpillars are insured under motor insurance.

AVIATION INSURANCE
The policy provide cover against loss, damage or liability arising out of an accident to the extent and manner provided in the policy.
The vailable covers are as follows:
•    Hull
•    Airport Owner Liability
•    Hangar Keeper Liabilty
•    Crew Personal Accident
•    Third Party Liability
•    Passenger Legal Liability

DOMESTIC PACKAGE
•    This is a household insurance policy that covers  loss or damage to household items and buildings as a result of theft, fire and related perils to residential buildings.

WORK INJURY BENEFITS ACT(COVER)
The Act makes it compulsory for every employer to provide cover for all their employees against bodily injury disease or death sustained and arising out of and in the course of their employment.
Compensation under the Act also includes medical expenses and last expense arising out of an accident or illness. The policy also covers transportation of employees to and from work engagement.
Important policy exclusions are;-
•    Deliberate or willful misconduct of the employee
•    Death or injury outside normal working hours
•    Injury or disease to minors
•    Death or injury outside the geographical area specified

EMPLOYERS LIABILITY
Even with WIBA compensation above, an employee still reserves the right to sue the employer for negligence. The liability would arise if an employee dies or is injured out of or in the course of their work,through any assumed negligence by the employer.The policy also refunds the insured the expenses incurred  in defending such lawsuit.
The policy covers employers against legal liability for damages and claimant’s costs and expenses of lawsuits filed by an employee.
Important policy exclusions are;-
•    Liability attaching by virtue of agreement
•    Claims for injury through wilful act or goods supplied or remedial treatment
•    Deliberate or willful misconduct of the employee
•    Death or injury outside normal working hours
•    Injury or disease to minors
•    Death or injury outside the geographical area specified

PERSONAL ACCIDENT(PA)
Takes care of costs of hospitalization when a person gets hurt in an accident. Benefits include:
•    Permanent Total Disability
•    Total Temporary Disability
•    Artificial Appliance
•    Hospitalization
•    Dental Treatment
•    Death
•    Funeral Expenses