This is a list of products offered by Heritage Insurance and its branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. The company was established in 1976 after a merger of the Norwich Union Fire Insurance Society and The Legal and General Insurance Company. It is a subsidiary of Liberty Kenya Holdings Plc.
It is also among the best insurance companies in Kenya. For instance, it was awarded as the General Insurer of the Year in 2019 Think Business Insurance Awards.
Heritage Insurance Products
a) Individual Products
1.Domestic Package
This is a package cover designed for your residence and its contents. It provides cover against theft, fire, accidental damage, Liability to third parties, and occupational accidents (death or illness to the servants as per the Workmen’s Compensation Act, including your liability as an employer at common law for acts of negligence).
2.Motor Insurance
This cover protects both private and commercial vehicles. It is divided into three categories ;
- Third-party only – This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.
- Third-party fire and theft- In addition to the Third-party only cover, this cover extends cover the insured’s vehicle against the risks of fire and theft, including partial theft.
- Comprehensive – This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes, etc.
3. Personal Accident
The Personal accident cover provides compensation to the insured for physical and visible body injury caused in an accident.
4. Travel Insurance
It provides cover for medical and emergency expenses, delays, cancellations, Hospital allowances, loss of baggage, documents loss, loss of money, and personal liability while traveling abroad.
Travel Packages
Smart Plan Policy
The cover has the most comprehensive packaged benefits. It is available to individuals, families, groups, and frequent travelers.
Budget Plan
The cover has been tailor-made to provide travelers with essential benefits during their trips. The cover is also available to individuals, families, groups, and frequent travelers.
- Includes individual, family, group, inbound, and annual multi-trip covers.
- Flexibility to choose the number of days per trip.
- Clients enjoy competitive rates.
- The maximum number of days per trip is 180 days.
- The policy expires on the date of return.
Annual Multi-Trip Cover – for Both Smart Plan and Budget Plan
This cover is available for frequent travelers.
- Cost-effective as rates are discounted.
- Flexibility to choose length per trip.
- The maximum number of days per trip is 180 days.
- No limit on the number of trips an insured can take per annum.
Student Policies
This cover is available to students traveling abroad for studies.
- The cover has a high age limit of 40 Years.
- Students can be covered for a period of up to one year according to their travel needs.
- Students will also enjoy special discounted rates (25%) for their short term trips.
Inbound Cover
This cover is available for foreigners traveling to Kenya. The maximum number of days per trip is 45 days.
- The maximum number of days per trip is 45 days.
- Clients will enjoy competitive rates.
- The client has different options to choose from i.e. smart plan cover or budget plan cover.
Corporate Travel Insurance
The client has the option of choosing from :
- Silver
- Gold
- Platinum
- Platinum Plus
Schengen Cover
Available when traveling to the Schengen States.
6. Sportsman’s Policy
This policy covers sportsmen to enable them to enjoy their game and also offers compensation for their sports equipment against theft or accidental damage.
Scope of cover
- Sports Equipment – Covers the cost of repairing or replacing such equipment
- Personal Effects – Covers the cost of repairing or replacing such personal effects lost or damaged at the golf course or other sports premises
- Third-Party Liability – Covers legal liability arising with respect to accidents caused by the insured while playing or practicing resulting in:-
- Bodily injury to any non-family/ household member of the insured’s or in his service, other than caddies.
- Damage to property not linked to the insured family or person in his service.
- Personal Accident – Covers the insured in the event of sustaining an accidental physically visible injury while playing.
- Hole In One – Covers the costs incurred by the insured as a result of ‘hole-in-one’ during actual play.
7. Trendsetter Policy
This is an all in one personal insurance package which covers: motor vehicles, pleasure boat, PC, legal costs, domestic workers, funeral expenses, accident, damage to buildings, household expenses, and personal liabilities.
B) Business Products
1. Group Personal Accident
The Personal accident cover provides compensation to the insured for physical and visible body injury caused in an accident. It goes on further to cover individuals if the injury as a sole cause results in death or disablement.
2. Medical Insurance
- Heritage Flexi
Heritage Flexi enables corporate companies, Public Sector, SME’s to design a healthcare solution that works for their employees. This product provides customers with the flexibility to design their medical scheme benefits to suit their needs. The area of cover in East Africa with residence in Kenya. The product is administered either on per person (not shared) or per family basis (shared). The product offers clients the ability to pick and mix benefit blocks so as to provide health insurance solutions that meet their requirements.
- Blue
It offers a comprehensive set of health benefits to employer groups in Kenya and across the continent of Africa.
- Blue Core
It offers in-country cover to families living in Kenya for Hospitalisation, Chronic Care, and Major diseases. Outpatient benefits are not available under this option. This option is suitable for young and healthy populations who do not require outpatient care but would like the security of knowing that major inpatient events are taken care of.
- Blue Lite
It offers cover to families living in Kenya for outpatient treatment, hospitalization, chronic care, and major disease benefits. This benefit is suitable for members who are based in Kenya and wish to take care of essential health care needs.
- Blue Classic
It offers more comprehensive cover within greater East Africa (Kenya, Uganda, Tanzania, Rwanda, Burundi, and Southern Sudan) for outpatient treatment, hospitalization, chronic care, and major disease benefits. This option also includes international emergency evacuation and is suitable for members who travel frequently within the East African Region
- Blue Plus
It offers coverage within the African Continent for outpatient treatment, hospitalization, chronic care, and major disease benefits. This option also includes international emergency evacuation with extension to India where treatment is not locally available. This benefit is most suitable for members traveling regularly across Africa.
- Blue Elite
A World Wide benefit option that offers more comprehensive cover for outpatient treatment, hospitalization, chronic care, and major disease benefits. This option includes international emergency evacuation and is suitable for members and expatriates who frequently travel worldwide.
3. Work Injury Benefits Act (WIBA) Protection
It provides compensation to employees for work-related injuries and diseases contracted in the course of their employment.
4. Employer’s Liability
This policy offers protection to employers for their legal liability (under Common Law), for damages and claimant’s costs and expenses of lawsuits filed by an employee.
5. Agriculture Policy
It provides cover for livestock, greenhouse, forestry against natural calamities, malicious damage, damage by wild animals, riot strike, and civil commotion.
6. All Risks Policy
This policy provides cover for loss of or damage to the property insured by Fire, Theft, or any Accidental means not excluded by the Policy. It is suitable for mobile items like cameras, laptops, personal computers, videos, and other fragile electronic items, personal items, baggage, etc.
7. Bonds Insurance
Bonds are guarantees that may from time to time be required by other parties to be executed by an insurance company to certify that the insured will observe or maintain a certain state of affairs or will perform a certain task to the required standard or as per an agreed contract.
These bonds include
- Customs Bonds
- Immigrations/Security Bonds
- Performance /Contractor’s Bonds
- Tender /bid bonds
- Financial Guarantee Bond
Upon executing such a bond as requested, Heritage acts as the guarantor, and is bound to pay a defined amount of money should the person/party so guaranteed, fail to meet the terms and conditions of the contract with the third party.
8. Burglary / Theft
The Burglary policy compensates for the insured’s property stolen from their business premises.
9. Consequential Loss
This policy offers compensation for profits lost as a result of damage to insured property following a fire. The cover will be for Gross profits lost and for wages that continue to be paid during the period when the business is interrupted.
10. Contractors All Risks
This is an “ALL RISKS” cover available to contractors that will offer protection destruction or damage to;
- contract works
- contractor’s plant & machinery at the site
- materials on site
The scope of cover includes fire, burglary, floods, earthquake and unforeseen and accidental damage to the property insured.
11. Carriers Liability
The policy covers the insured against legal liability for accidental loss or damage to goods in the custody or control of the insured while being transported either by road, rail, or other specified means.
12. Electronics Insurance
The policy protects the insured equipment against any unforeseen and sudden physical loss or damage. This cover is suitable for electronic items usually to be found in an office environment or in hospitals etc, electronic items that are not to be found in heavy industrial setups. These will include computers, medical equipment (X-rays, radiology, weighing scales, etc), microscopes, PABX, and other equipment.
13. Fidelity Guarantee
This cover offers protection against loss of money or goods from business premises, through dishonest/fraudulent acts of an employee.
14. Fire & Perils Cover
It provides cover for damage or destruction to insured property by fire, lightning or explosion of domestic appliances.
15. Glass Policy
It provides compensation for fixed glass (plate glass) broken as at the insured’s premises as a result of an insured peril.
16. Goods in Transit Policy
It offers protection against loss, destruction, or damage to goods whilst they are in transit – from the time of leaving the insured’s premises to final delivery.
17. Industrial All Risks
This is a comprehensive insurance policy that incorporates Fire, Fire Loss of Profit, Theft, and Accidental damage covers. It is subdivided into two sections and it covers all risks not excluded by the policy.
18. Machinery Breakdown Policy
This policy protects the machinery insured against any unforeseen and sudden physical loss or damage.
19. Marine Insurance
The cover provides solid protection for goods once they leave the warehouse until they arrive at their eventual destination; either by air or sea.
20. Money Insurance
The policy covers loss of cash under any of the following circumstances:
- Loss of money at your premises during business hours, or in specified safes or strong rooms.
- Loss of money in transit
- Loss of money in the custody of an authorized employee
- Loss of or damage to safes or strong rooms insured in the process of a theft or an attempt thereat
21. Motor Insurance
It is divided into three categories ;
- Third-party only – This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.
- Third-party fire and theft- In addition to the Third-party only cover, this cover extends cover the insured’s vehicle against the risks of fire and theft, including partial theft.
- Comprehensive – This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes, etc.
22. Terrorism Insurance
It provides cover against physical loss and damage, as well as business interruption costs, as a result of a terrorist act. This policy targets hotels, lodges, property managers, real estates, and sky-scrapers within the Cities.
23. Travel Insurance
List of Heritage Insurance Branches in Kenya
1. Heritage Insurance Head office
Location: LIBERTY House, Mamlaka Road
Contacts : +254 20 2783000, 0711 039 000, 0734 101 000
2. Heritage Insurance City Center Branch
Location: Lonrho House, Mezzanine 2, Standard Streer
Contacts: 0202226426, 0202251414
3.Heritage Insurance Stanbic Bank Branch
Location: Purshottam Place, Chiromo
Contacts: +254 20 3268469, +254 722 376269
4. Heritage Insurance Thika Branch
Location: Zuri Centre,4th Floor, Kenyatta Highway
Contact: +254 067 20406
5. Heritage Insurance Naivasha Branch
Location: CfC Heritage House, Moi Road
Contacts: +254 50 2020 466 / 2020 673, 0773 372547
6.Heritage Insurance Nakuru Branch
Location: Polo Centre – Tom Mboya Street, Off Kenyatta avenue
Contact: + 254 51 221 3776
7. Heritage Insurance Embu Branch
Location: Maathai Supermarket, Next to Equity Bank
Contacts: 0682231507, 0711 039 000
8. Heritage Insurance Meru Branch
Location: Nakumatt, Mwitu Centre Building, Meru, Nanyuki Road
Contact: +254 64 3130710
9. Heritage Insurance Nanyuki Branch
Location: Silver Plaza, Ground Floor, Nyeri/Nanyuki Road
Contact: + 254 62 31915
10. Heritage Insurance Eldoret Branch
Location: Imperial Court, Waiganjo Street/ Uganda Road
Contacts: + 254 53 2062532, 0773372546
11. Heritage Insurance Kisii Branch
Location: Royal Towers, 2nd Floor, Hospital Road
Contact: +254 58-2030540
12. Heritage Insurance Kisumu Branch
Location: 1st Floor, Tuffoam Mall, Jomo Kenyatta Highway, KISUMU
Contact: +254 057-2023125
13. Heritage Insurance Mombasa Branch
Location: Social Security House, Nkrumah Road
Contacts: 041 2224724 , 041 2316638, 0773 372 548
