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S.M.E Business Combined

This is a packaged policy suitable for small and medium business enterprises. It offers various classes of insurance under one policy without subjecting each class to a minimum premium.

Motor Insurance

Life and Medical Insurance

Work Injury Benefits Act Policy

S.M.E Business Combined

Spire School Care Policy

Fire and Peril

 Covers business against fire caused by e.g. explosion, lighting, strikes, riots, etc.
 Includes Political Risk cover extended to a limit
 Personal effects to a limit

Money

1. Covers loss of money arising out any cause or loss or damage to any safe or strong room specified in the proposal form.
2. Covers money in the premises, money in transit with staff/directors
3. Forced ATM withdrawals to a limit
4. Political Risk Extension
5. Territorial Limit – Kenya

Burglary

1. Covers business against theft or robbery
2. Includes Hold up Cover
3. Political Risk cover extended to a limit
4. Includes theft of Personal Effects to a limit

All Risk

1. Covers specified portable electronic items, e.g. laptops.
2. Territorial Limit – Worldwide.
3. Political Risk extension to a limit.

Goods In Transit

1. Covers loss, destruction or damage to the property of the insured caused by overturning, fire, theft and hijack.
2. Also covers goods belonging to the insured but carried by own or hired vehicles.
3. Territorial Limit – Kenya.
4. Modes of transport by sea, road, rail or air.
5. Political Risk Extension to a limit.

WIBA/Employer's Liability

1. Covers all working employees including working directors against bodily injuries and diseases in the course of duty
2. Combines both WIBA AND Employer’s Liability
3. Incorporates Political Risks and Terrorism extensions

Public Liability

1. Covers the insured against legal liabilities to third parties for both accidental bodily injury and loss or damage to property arising from the insured business.

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