All Risks

• Broad "All Risks" Protection: Covers accidental physical loss, theft, and damage from almost any unexpected cause unless specifically excluded in the contract.
• Theft & Robbery Cover: Financial protection against burglary, violent robbery, or theft from locked premises and vehicles.
• Accidental Loss & Impact Damage: Covers repair or replacement costs resulting from accidental drops, spills, or external impact.
• Transit & Geographical Flexibility: Standard coverage applies across Kenya, with options to extend to East Africa or worldwide transit protection for international travel.
• Itemized Schedule Precision: Each asset is explicitly listed with its agreed replacement value, ensuring transparent and accurate claim settlements.

Key Policy Exclusions (What Is Not Covered)

• Normal wear and tear, gradual deterioration, rust, atmospheric conditions, or inherent vice.
• Mechanical or electrical breakdown (internal failure not caused by external impact).
• Unexplained disappearance, inventory losses, or mysterious shortages.
• Loss or damage caused by unauthorized repairs, process of cleaning, or alteration.
• Loss resulting from confiscation, detention, or legal seizure by public authorities.