Our Products

General Insurance

General insurance is a type of insurance policy that provides financial protection to the insured party against loss or damage to their assets, such as property, vehicles, or businesses.


Agricultural insurance has made its debut in the insurance industry of Kenya, and We are here to help you secure coverage for your crops and livestock.  Our team is available to offer further guidance and information on this matter, so don’t hesitate to get in touch with us.

Employers Liability

Employers Liability insurance is designed to protect employers from legal action taken by their employees. This type of insurance can be purchased in addition to WIBA coverage. However, due to the WIBA Act of 2007, Employers Liability policies were gradually eliminated, as injured workers could only seek compensation under the new legislation. This means that Employers Liability insurance is no longer necessary for employers in Kenya who are compliant with the WIBA Act. In the event that an employee is injured on the job, the employer can simply file a claim with their WIBA insurance provider to cover the costs of compensation.

Plant & Machinery

Construction all risk insurance is a type of insurance policy that provides coverage for a variety of construction projects, such as residential homes, office buildings, and roads. This insurance can also extend to plant and machinery, as long as the values are properly disclosed in the proposal form or risk note at the time of arranging coverage. However, it’s important to note that faulty designs and stopped project costs arising from land disputes are typically excluded from this type of coverage.


Burglary insurance provides coverage for loss or damage caused by theft that involves forcible and violent entry or exit from a building, or any attempted threat. It is advisable to have this insurance policy, as it can provide financial protection in the event of a break-in. With this policy, any losses incurred as a result of a burglary can be compensated for, helping to alleviate some of the financial burden that comes with such a crime.

Domestic Package

This is a type of insurance policy that covers all aspects of a person’s household or dwelling. This policy provides protection against losses or damages to the house and its contents caused by various perils, such as fire, lightning, thunderbolt, earthquake, volcanic eruption, riot and strike, aircraft, and other aerial devices. Additionally, it may include coverage for burglary as specified in the policy. This policy is a comprehensive way to safeguard your home and belongings against unexpected events, providing peace of mind and financial security.

Electronic Equipment

Electronic Equipment insurance provides coverage for accidental loss of or damage to various electronic equipment, including electrical equipment used for medical purposes, communication facilities, lighting and navigation facilities, and research and materials testing equipment, on an all-risk basis. This policy is designed to protect the owner, operator, lessor, maintainer, or hirer of the equipment. Additionally, the policy can be extended to cover the increased cost of working. With this type of coverage, electronic equipment owners can have peace of mind knowing that their investments are protected against unexpected events, which could potentially result in costly repair or replacement expenses.


A bond is a type of guarantee that is executed under seal, wherein the parties involved agree to pay a specified sum of money, known as the penalty of the bond, if any of the conditions outlined in the contract are not fulfilled. This type of agreement is viewed as a certificate of character, ability, and financial worth of the principal. By obtaining a bond, the principal can demonstrate their reliability and trustworthiness, which can be especially important in certain business transactions. The bond serves as a guarantee to the other party that the principal is capable of fulfilling their obligations under the agreement, and if not, will face financial consequences.

Credit Insurance

With Credit Risk Insurance, you can protect yourself against the possibility of payment default by your debtors or customers. This type of insurance is particularly beneficial for exporters or traders, as it can provide coverage for both domestic and international debtors. By taking out an insurance policy, you can safeguard your business against the financial losses that can result from non-payment or delayed payment by your customers. Credit Risk Insurance is designed to give you greater peace of mind, knowing that your business is protected against one of the most significant risks faced by companies of all sizes. With this type of insurance in place, you can focus on growing your business without worrying about the potential impact of payment defaults on your bottom line.

Contractors all risks

The Contractors All Risk policy, also known as CAR, is designed to cover a contractor’s responsibilities for civil engineering construction works from site investigation to handover and maintenance. The policy is comprehensive and covers risks such as fire and allied perils, accidental damage, collapse, collision, impact, theft, malicious damage, damage resulting from design or material faults, workmanship, maintenance, and third-party liability.

Fidelity Guarantee

The Fidelity Guarantee policy provides coverage for loss caused by fraudulent or dishonest acts committed by employees of the insured company. This type of insurance is essential since theft committed by employees is not covered under the Burglary or Money policy. If an outsider is aided by an employee in committing theft, it is considered an act of infidelity by the employee and falls under the coverage of this policy. This policy is applicable to both commercial and residential properties and is strongly recommended to clients.

Marine Insurance

Marine Insurance is a type of insurance policy that provides coverage for goods in transit by sea, air, or land. It is essential for traders who need to import or export their goods across international borders, especially if the primary mode of transport is by sea or air. However, it’s important to note that this policy does not cover transport by road between two or more countries. Additionally, this policy is often required by customs agencies when paying import taxes. The coverage provided by a Marine Insurance policy includes protection against loss, destruction, or damage to the goods being transported.

Goods in transit

A Goods in Transit policy is designed to provide protection against loss or damage to the insured property due to fire, theft or accidental means while in transit by road or rail. This policy is also applicable to goods temporarily stored in the ordinary course of transit within the territorial limits. The coverage starts from the time the goods leave the insured’s premises until they are delivered to the consignee’s address anywhere in Kenya. The policy can be extended to include hijack, loading, and unloading risks. It is recommended for individuals who transport their goods or rely on a third-party transporter.


Floriculture insurance is a recent addition to the Kenyan Insurance market, providing comprehensive protection for floriculture plantations, as well as irrigation and fumigation equipment against all risks. At Glenstone, we can assist in arranging cover for this type of insurance by guiding the insured through the completion of a proposal form that will be evaluated by the underwriters. If you need more information on this type of insurance, please do not hesitate to contact us for assistance.

Machinery Breakdown

Machinery insurance is an insurance policy that provides coverage for unforeseen and sudden physical loss or damage to insured machinery. It supplements the coverage provided by fire insurance and is considered an all-risk “accident” insurance. This insurance policy covers the cost of repairing or replacing the insured items. Machinery insurance can cover a range of losses or damages caused by various factors, including faulty designs, faults during workshop or erection, defects in casting or material, faulty operation, negligence, malicious acts, physical explosions, electrical causes like short circuits, storms, and frost.

Industrial All Risk

The Industrial All Risks insurance policy is specifically designed for organizations with substantial sums insured. It provides comprehensive coverage for various risks, including fire, burglary, accidental damage, and business interruption (con-loss). Accidental damage refers to physical loss or damage to the insured property caused by or occurring through any insured cause. This package of policies offers a wider scope of coverage to the insured at a reasonable premium, considering the significant sums insured involved. Its tailored design allows organizations to obtain a comprehensive insurance policy that meets their specific needs, covering a range of potential risks that could result in financial loss or damage to their property.

Fire and Consequential Loss

The Fire Consequential-Loss insurance policy is an essential complement to the fire policy. It provides coverage for the cost of overheads and loss of profits resulting from damage caused by events such as floods, fire, and allied perils, including earthquake, riot, strike, and civil commotion.


The Motor Bikes insurance policy offers coverage for loss or damage to a motorcycle as well as any liabilities that may arise from the use of the motorcycle by the insured, their employee, or agent. This policy is specifically designed to protect motorcycle owners from potential financial losses due to accidents or unforeseen events that may cause damage or harm to the motorcycle or third-party individuals. With this insurance policy, motorcycle owners can have peace of mind knowing that they are protected against potential financial losses and liabilities that may arise while using their motorcycle.

Motor Insurance

The Motor Insurance policy provides coverage against loss or damage to the insured vehicle and compensates for any legal liability that may arise from the use of the insured’s motor vehicles or third-party motor vehicles. This policy is mandatory by law and the government regulates the rates for this insurance. The current rate for private vehicles is set at 4%, while commercial vehicles are set at 5%. The Motor Insurance policy provides an essential safety net for vehicle owners, protecting them from potential financial losses due to damage or harm to their vehicle or third-party individuals. It also ensures that they are in compliance with legal requirements, providing additional peace of mind. With this policy, vehicle owners can rest assured that they are protected and covered in the event of an unforeseen incident.

Travel Insurance

The Travel Insurance policy provides coverage for unexpected costs that may arise while traveling, including emergency medical/hospital expenses, trip cancellations, lost baggage, and accidental death insurance. In many countries, purchasing travel insurance is a requirement for obtaining a visa.

The rates for individual coverage are determined based on factors such as the length of stay, the destination country, and the age of the individual at the time of departure. Travel insurance offers comprehensive coverage, and the benefits of this type of insurance are available to individuals, families, groups, frequent travelers, and students traveling abroad for studies.

Public Liability

Public Liability insurance provides coverage for legal liability arising from the insured’s business, specifically for damages resulting from accidental bodily injury or accidental loss of, or damage to, property belonging to members of the public. This coverage is crucial, as it protects the insured, usually a business entity or proprietor, from heavy fines and compensation claims that may arise from accidents involving members of the public. Having Public Liability insurance is essential for any business that interacts with members of the public, as it provides a safety net in the event of an accident or unforeseen circumstances. This coverage ensures that the business is protected from potential financial losses and liabilities that may arise from such incidents, providing peace of mind and allowing the business to focus on its operations.

Pedal Cycle

The pedal cycle policy provides coverage for any harm or loss incurred by a pedal cycle, as well as liabilities that may arise from its use by the insured, their employee, or agent. This insurance policy is designed to protect individuals or organizations that own or utilize pedal cycles as a means of transportation or recreation. It offers a level of financial protection against unforeseen events, such as theft, damage, or accidents, that could result in costly repairs or legal expenses. Therefore, having a pedal cycle policy in place can help provide peace of mind to owners and users of pedal cycles.

Terrorism & Political Violence Liability

The policy for terrorism and political violence coverage provides insurance protection for the insured against physical loss or damage to their buildings and contents that they own or have legal responsibility for.

Work Injury Benefits Act

This insurance policy offers protection to employers in the event of bodily injury by accident or disease during the coverage period, which occurs in the course of employment. This coverage is designed to safeguard employers against liabilities that could arise due to mistakes or negligence on their part towards employees, ensuring that employees receive the necessary medical care and compensation they deserve. By having this policy in place, employers can have peace of mind and focus on their business operations, knowing that they are protected from potential financial loss resulting from employee injuries or illnesses that may occur in the course of their work.