SME Insurance

What is SME Insurance?

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

  • Fires & Special Perils
  • Business Interruption/ Consequential Loss Insurance
  • Burglary Insurance
  • Electronic Equipment Insurance
  • All Risks Insurance
  • Money Insurance
  • Plate Glass Insurance
  • Fidelity Guarantee
  • Goods In Transit Insurance
  • Carrier’s Liability

Claim Form


Proposal Form



What does Burglary Insurance Cover?

Covers losses arising from forcible entry or exit from the premises

What are the exclusions in this cover?

  • Excluding theft by servants, employees or the insured’s immediate household
  • Excluding losses arising from fire and allied perils
  • Excludes losses to money and plate glass (Covered under Money & Plate glass policies

Who needs Burglary Insurance?

Homeowners, Tenants and Business organisations that would like to protect themselves from financial loss suffered due to burglary

What claims documents are required?

  • Claim form duly completed
  • Police Abstract report
  • Books of Accounts-stock, sale/purchase invoices before loss
  • Stock movement records
  • Photographs of damages
  • Alarm report from the alarm company
  • Statements of guards at the insured’s premises
  • Incident report from the security company
  • Any other documentation that may be specified

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