Theft
This is insurance against loss or damage caused by the unlawful taking of property.
Under Theft insurance, we provide cover for the following.
Fidelity Guarantee
Fidelity implies the faithful or loyal performance of a duty. A fidelity guarantee policy is insurance against the results of dishonesty or disloyalty.
It covers the employer against loss of money and/or stock through dishonest acts of employees.
The insurance company undertakes to compensate the client in respect of loss of money or property caused by the fraud or dishonesty of the employee.
Money
This policy covers all risks of loss or damage to money by robbery or theft whilst:
• In the hands of Directors/senior employees/authorized personnel of the company
• In the hands of Directors/senior employees/authorized personnel of the company
• in the client’s premises in locked safes/strong rooms outside business hours
Burglary
The Burglary policy provides cover against loss or damage to property following forcible or violent entry or exit from client premises. It extends to include situations where the client customer/client is attacked by armed robbers when the business is open.
We don’t offer this policy as a standalone but is offered along with the Fire & perils insurance policy.
All Risks
The All Risks policy provides cover against loss or damage to specified items as a result of any cause not excluded under the policy and within the geographical area specified in the policy.
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Group Pension Administration
These policies are designed to enable companies to provide retirement benefits for employees.
Liability
Liability insurance provides protection against claims resulting from injuries and damage to people and/or property. The policies below
Work Injury Benefits Act (WIBA)
This policy provides for compensation to employees for work-related injuries & diseases contracted in the course of employment. It is guided by the WIBA Act 2007.
Insurance Bonds
Insurance bonds are simple investments which allow investors to save for the long term.
SME Business Package
Risks occur at any time and for business the exposure this gives you can be catastrophic.
KCB Agents Combined Package
KCB Agents Combined Insurance Package is a comprehensive cover that insures more than one type of property against a combination of perils or risks.
Group Personal Accident
This cover provides compensation for death, permanent disability and temporary loss of income due to disability.
Students Personal Accident
This policy provides compensation for death, permanent disability, medical expenses and funeral expenses arising from an injury to a student as a result of an accident.