Have you been thinking of how to protect your business? Our property damage package protects your assets such as buildings, furniture and fittings, machinery and equipment, stock, money and so much more against fire, theft and other risks
We also insure against loss of profits
Liability risks are also covered:-
Public liability for the general public and
Worker’s Injury Benefits (WIBA) for all your employees , against injuries sustained whilst at work
Group PersonaAccident cover that offers 24 hour peace of mind to you and your employees.
Fidelity Guarantee insurance that offers you as a business owner security against employee dishonesty, theft of cash or stock.
Ever thought how things can change from good to bad when travelling? Well you don’t need to anymore. We have a comprehensive travel insurance cover that takes care of the following:
Medical expenses including optical, dental and follow-up treatment
Accidental death, injury or disablement benefit
Repatriation of mortal remains/Burial expenses
Legal assistance abroad
Loss, theft or damage to personal possessions, travel documents and money • Loss of or delayed baggage
Point to note: The premium is pegged on the number of days of travel and can be as low as KES 2,000/= for a 7day trip! This cover provides worldwide coverage including the countries considered as high risk.
Sleep soundly knowing that your home is protected. With NIC Bank you can insure your household valuables such as furniture, televisions, fridges, toasters, beds, camcorders, jewelry and so on.
Our home insurance package covers the following areas:
The Building – Covered against fire, lightning, earthquake, volcanic eruption, explosion, storm, aircraft crash on property, water damage and any impact caused by any road vehicle not belonging to you.
All contents – All furniture, electronics, clothing, etc. The list is endless! These are covered against fire and burglary
All Risks (Portable items) – Covers all your personal effects during travel, cameras, watches, jewelry, laptops, computer accessories, cell phones, spectacles.
Workers Injury Benefits Act (WIBA) – This is provided where a domestic worker is employed by the insured e.g. cooks, house helps, drivers, watchmen etc. and helps to compensate the employee for injuries sustained at work.
Owner/ Personal Liability – An extension cover that protects you for legal liability claims that may occur arising from accidental bodily injury to third parties and/or accidental loss or damage to their property while on or about the premises.
In addition, you get several free extensions of cover such as golfing liability, deep freezer contents, forced ATM withdrawal, guest and employees’ effects. All these and more through competitive pricing, simple documentation and quick turnaround time.
Just in case you didn’t know, we offer insurance for credit and debit cards. We insure your cards against the following:
Fraudulent Charges (Lost Card Liability):If a debit or credit card is lost or stolen, one is reimbursed the unauthorized charges that the card holder is responsible for on lost or stolen payment card.
ATM Robbery (ATM Cash Cover): The cardholder is reimbursed the money withdrawn from any ATM around the world using their payment card against a robbery event that occurs at the ATM.
Purchase Protection: This covers items that are purchased entirely with a debit or credit card from loss due to theft or fire for 90 days from the date of purchase.
An insurance package that covers the ‘risks of the sea’ which includes risk of loss, destruction or damage to goods in transit by sea, air or land. This cover usually runs from warehouse of origin to destination warehouse. NIC Insurance agents is able to provide an open-cover marine policy where one policy document is issued and certificates are issued on each consignment being imported or exported. Premiums are charged per consignment.
Professional Indemnity Insurance
It costs time and money to defend against a claim of malpractice, professional misconduct, or breach of duty. You could be held responsible not only for your own actions, but also for those of your partners, employees or volunteers. A professional indemnity insurance policy safeguards your business by providing cover against such claims, including legal defense costs. It is designed for professionals who provide advice or services to their customers such as Doctors( and other medical practitioners), Engineers, advocates, Surveyors, Accountants etc
Other Insurance Products
We have a comprehensive product range that will suit your needs and enable you to plan:
Motor Vehicle Insurance – both private and commercial
Personal Accident Insurance
Individual Life policies – investment plans, education policies etc.
Agricultural Insurance – crops, greenhouses, livestock etc.
Machinery Insurance – construction equipment, plant and equipment
Contractors’ All Risks Insurance – covering contract works, equipment, workers and liability