Questions about insurance, risk and HSJ.

H.S. Jutley Insurance Brokers provides insurance broking and risk management services to individuals, families and businesses. We help clients understand their risks, identify appropriate insurance protection, obtain suitable terms from insurers and provide ongoing support throughout the policy period, including assistance when claims arise.

H.S. Jutley Insurance Brokers began operations in 1975. The business has built its experience around insurance advice, risk management and client service over many years.

An insurance broker acts on behalf of the client rather than simply selling a particular insurance product. A broker can help assess your risks, compare available insurance solutions, explain policy terms and exclusions, negotiate with insurers and provide assistance throughout the life of the policy.

This can make the insurance process easier to understand and help ensure that the protection selected is appropriate for the risks being addressed.

Risk profiling is the process of understanding the risks faced by an individual or organisation, including what could go wrong, how likely an event may be and the potential financial or operational impact. This helps determine which risks should be avoided, controlled, retained or transferred through insurance.

Gap analysis compares the risks and protection a client currently has against the protection that may actually be required. It can identify areas where there may be insufficient insurance, unsuitable limits, missing covers or important exclusions that need to be considered.

Insurance should be selected according to the risk being protected rather than simply choosing a policy because it is available or inexpensive. Assessing the risk first helps determine the appropriate type of cover, limits, extensions and policy structure.

Yes. HSJ can assist individuals and families in understanding their medical insurance requirements and identifying suitable medical insurance solutions based on their circumstances, cover requirements and budget.

Yes. HSJ can assist businesses with corporate medical insurance requirements, including understanding employee needs, reviewing available options, structuring schemes and supporting the administration and servicing of the scheme.

The Sikh Council Kenya Medical Scheme has its own dedicated section on the HSJ website. Select Products → Sikh Council Medical Scheme to review the scheme information, benefits, rates, eligibility requirements and application process.

General insurance can cover a wide range of non-life risks, depending on the client's circumstances. These may include property, motor, liability, marine, engineering and other commercial or personal risks. The appropriate cover depends on the specific exposure.

Yes. A review can help identify whether the current insurance programme continues to reflect the organisation's operations, assets, liabilities and changing risk exposures.

Employee benefits can form an important part of an organisation's overall people strategy. Appropriate benefits can provide financial and health-related protection for employees and their families while supporting the organisation's ability to attract and retain people.

Yes. A review can consider the existing programme, employee requirements, available protection, policy terms and areas where the arrangement may need to be improved or adjusted.

Once a claim is reported, the relevant information and supporting documentation can be gathered and submitted to the insurer for assessment. HSJ can assist with the claims process, help coordinate communication and follow up on outstanding requirements where necessary.

Yes. HSJ can assist in facilitating communication between the client and insurer and supporting the flow of information required during the claims process.

Supporting documents provide evidence needed by the insurer to assess a claim. Depending on the nature of the claim, these may include invoices, reports, receipts, medical documents, photographs, statements or other relevant records.

Reinsurance is an arrangement in which an insurer transfers part of its risk to another insurer or reinsurer. It can help insurers manage exposures that are large, specialised or require additional capacity.

Co-insurance involves two or more insurers sharing a particular risk. This can be relevant where the size or nature of an exposure means that one insurer does not take the entire risk alone.

You can use the Get a Quote button on the website or contact HSJ directly. The first step is to understand what you need to protect, after which the relevant information can be gathered and the appropriate insurance options considered.

Yes. An existing insurance programme can be reviewed to understand whether the current protection still reflects the client's risks and requirements. The review may identify gaps, changes in exposure or areas where the programme could be improved.

The information required depends on the type of insurance. Generally, it is useful to provide details about what needs to be protected, the relevant people or assets, the nature of the risk and any existing insurance arrangements.