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Bizna Care

Pioneer BIZNACARE is a comprehensive multi-peril insurance policy custom-built to protect Small and Medium Enterprises (SMEs) with an annual turnover ranging from Kshs. 300,000 to Kshs. 200 million. Featuring a flexible modular framework, BIZNACARE empowers business owners to select specific coverage sections tailored to their unique operational risks guarding physical property, financial assets, employees, and leadership under a single umbrella policy.

What is Bizna Care?

Bizna Care targets all business entities with an annual turnover range of between Kshs. 300,000 and 200 Million.

It offers the client the freedom to choose various section(s) that suit their needs.

Essential Fire & Burglary Foundation (Mandatory) – Protects premises and inventory against fire, lightning, floods, earthquakes, riots, civil commotion, gas cylinder explosions, and forced burglary.

Business Continuity & Consequential Loss – Indemnifies ongoing operational expenses and fixed costs while your business recovers from an insured property loss.

Comprehensive Money & Electronic Asset Protection – Covers currency notes and coins during transit, inside premises, or in locked safes (Rate: 1% per mil; Min Premium: Kshs. 3,054). Protects computers, laptops, photocopiers, and scanners against fire, theft, and accidental damage.

Employee Protection (WIBA & Employers' Liability) – Fulfills statutory obligations under the Work Injury Benefits Act (WIBA 2007) for workplace injuries or diseases, plus Employers' Liability cover against negligence claims.

Fidelity Guarantee Shield – Protects business cash flow against internal fraud and employee dishonesty (Rate: 1% of Any One Event Limit; Min Premium: Kshs. 10,085).

Third-Party Public Liability – Absorbs legal liability claims arising from accidental injury, death, or property damage sustained by customers or visitors on your premises.

Executive & Director Personal Care – Delivers personal accident compensation and direct-to-facility hospitalization payouts for Directors and their spouses.

  • ✓Customized SME Flexibility: Select only the optional sections your specific business model requires beyond mandatory fire and burglary foundations.
  • ✓Complete Financial & Internal Defense: Combines cash-in-transit, burglary, and employee loyalty protection so your cash flow is protected from both internal and external threats.
  • ✓Director-Level Care: Uniquely extends personal injury cover and direct hospital payment benefits to business owners and their spouses.
Small & Medium Enterprises (SMEs)

Small & Medium Enterprises (SMEs) generating annual revenues between Kshs. 300,000 and Kshs. 200 Million looking for affordable, all-in-one risk management.

Retail Stores, Boutiques, & Supermarkets

Retail Stores, Boutiques, & Supermarkets requiring protection against shop burglaries, fire, cash-in-transit loss, and employee theft

Corporate Offices & Tech Hubs

Corporate Offices & Tech Hubs looking to safeguard valuable electronics, office equipment, public liabilities, and staff welfare

Business Directors & Executives

Business Directors & Executives seeking personal accident and medical protection extended to themselves and their spouses

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