HSJ helps clients identify appropriate general insurance protection for vehicles, property, business assets, liabilities and other general insurance exposures.
We help clients understand the available motor protection options and the circumstances in which each type of cover may be considered.
Available protection depends on the selected product and policy wording. HSJ explains the basis of cover before the client proceeds.
Protection relating to buildings, contents, equipment, stock and other insured property against covered events such as fire and specified additional perils.
Protection for insured property against covered theft involving forcible or violent entry or exit, subject to policy conditions, limits and exclusions.
Depending on the requirement, HSJ can assist with liability, money, fidelity, professional indemnity, personal accident and other business-related solutions.
A broader range can be considered depending on the risk, insurer appetite and the client's requirements.
Protection for specified property against covered accidental loss or damage, subject to policy terms.
Protection for covered third-party liability exposures arising from business activities.
Protection for covered professional liability exposures, subject to policy terms.
Accident-related protection available under applicable products.
Insurance solutions for relevant marine exposures.
Solutions may include machinery breakdown, contractors' all risks and related covers.
Travel-related protection according to the selected product and destination.
Solutions for specified money and employee dishonesty exposures.
Protection for covered interruption exposures where included.
Work-related protection according to the applicable product and requirements.
Applicable bonding and guarantee solutions based on the underlying requirement.
Combined solutions for qualifying small and medium business risks.
Establish what needs to be protected and the nature of the activity or asset.
Identify the risks surrounding the vehicle, property, business or activity.
Help establish the type and level of protection required.
Identify suitable insurance options based on the client's requirement.
Explain benefits, limits, conditions, exclusions and responsibilities.
Assist with policy servicing, changes, renewals and claims.
Move the sliders to see how an excess changes what you pay after a loss. The policy limit in this example is KES 1,000,000.