This policy covers loss or damage to property caused by fire, lightning and explosion, and special perils. The special perils include but are not limited to:
- Riots, strikes, malicious damage, storm, earthquake
- Flood, water damage due to bursting or overflowing water tanks
- Apparatus and pipes.
The property covered includes: -buildings, furniture, fixtures and fittings, plant and machinery, stock in trade, and goods held in trust among others. For any risk that is above Kshs. 500 million, seek quotations from Gemini.
Excess: Earthquake excess – 2% each & every loss maximum Kshs. 5,000,000