List of Kenindia Assurance Products and Branches in Kenya

This is a list of products offered by Kenindia Assurance 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 on 6th December 1978 after a merger of Indian Insurance Companies operating in Kenya.

Kenindia Assurance Products

a) Kenindia General Insurance Products 

1. Travel Insurance

This policy covers medical expenses, loss of checked baggage, delay of checked baggage, loss of passport, travel delay, hijack, personal accident (covers death or permanent disability) and hospital benefit while travelling( fixed cash amount per day while hospitalized).

2. Bonds Insurance

A bond is a financial guarantee; hence this policy guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default.

3. Motor Commercial Insurance 

  • Third-party – It covers the legal liability of the owner or driver towards third parties against injuries or damages to their properties, subject to exclusions.
  • Third-party fire and theft- In addition to third party cover, it covers fire and theft to the vehicle and or its accessories in the vehicle subject to exclusions.
  • Comprehensive cover- In addition to a third party, fire and theft, it covers accidental and malicious damage to the vehicle.

4. Motor Private Insurance 

Under motor private insurance, all private vehicles are covered. They offer three products under this policy:

  • Motor Private Insurance.
  • Motor Commercial Insurance.
  • Motor PSV Insurance.

The covers given are classified into three levels:

  • Third-party: This covers the legal liability of the owner or driver towards third parties against injuries or damages to their properties, subject to exclusions.
  • Third-party fire and theft: In addition to third party cover, it covers fire and theft to the vehicle and or its accessories in the vehicle subject to exclusions.
  • Comprehensive cover: In addition to a third party, fire and theft, it covers accidental and malicious damage to the vehicle. It covers the insured against loss or damage to the motor vehicle and its accessories and spare parts therein.

5. Professional Indemnity

This cover caters for all sums which the insured shall become legally liable to pay to any person as compensation, damages including claimants costs and expenses.

6. Public Liability

This policy covers the insured against claims of personal injury or property damage that a third party suffers as a result of the insured’s business.
7. All Risk Insurance
It covers any property that may be damaged or destroyed by any accident or misfortune arising from some fortuitous circumstances within the limits set in the policy.
8. Fidelity Guarantee
It covers the insured against any loss caused by any act or acts of forgery, embezzlement, larceny or fraudulent conversions of money and or stock in trade committed by the employees.
9. Engineering Insurance
  • Contractors All Risk Insurance – It covers the insured against property damage and third-party injury during construction.
  • Erection All Risks Insurance-  It provides protection for all risks involved in the erection of machinery, plant and steel structures of any kind including third party claims in respect of property damage or bodily injury arising out of or in connection to the execution of an erection project.
  • Machinery Breakdown Insurance- It covers sudden and unforeseen physical loss or damage to the insured’s machines while at work or at rest or during cleaning, inspection, overhauling or removal to another position in the premises necessitating repair or replacement.
  • Boiler and Pressure Plant Insurance- covers boiler and pressure vessels explosion or collapse in the course of ordinary working. It indemnifies the insured against damage to the insured’s boiler and or another pressure plant, damage to surrounding property of the insured, legal liability to third parties of the insured on account of bodily injury, fatal and or non-fatal to the person and damage to the property of third parties.
  • Electronic Equipment Insurance- The policy covers sudden and unforeseen physical loss, damage necessitating repair or replacement to the equipment. It includes electrical and mechanical damage, impact damage, negligence, theft and burglary, fire and special perils.
  • Deterioration of Stock Insurance- It covers against deterioration of goods in cold storage due to breakdown of refrigerating machinery.
  • Engineering Business Interruption Insurance- It covers the insured against loss of Gross Profits due to business interruption occasioned by an event covered under machinery breakdown insurance.

10.Group Personal Accident

It covers your employees against bodily injury caused by violent accidental external and visible means.

11.Goods In Transit

It covers goods in transit from any accidental loss, damage or destruction from any cause.

12.Cash In Transit

It provides cover to the following :

  • Money in Transit.
  • Money in premises during and after business hours while locked in drawers.
  • Money with the directors at residence or in transit.
  • Money with authorized staff.
  • Money in locked safe.
  • Money with the tellers at the counters or locked drawers.
  • Value of safe or strong room.
  • Unused local Authority, NSSF, or NHIF stamps.

13.Carrier Legal Liability

It covers the insured against legal liability for actual and physical loss of or damage to goods or merchandise directly caused by fire and or accident whilst in transit by any means of transport, occurring during the period of insurance and within the territorial limits specified.

14.Burglary Insurance

This policy provides compensation for loss or damage caused to property and valuable items due to burglary ( Theft following the forcible or violent entry into or exit from the premises).

15.Fire Insurance

This policy provides protection against loss in the event of a fire.

  • Fire Domestic Insurance- This is offered to a residential and or private dwelling house or private flats including domestic outbuildings, landlord’s fixtures and fittings, walls, gates and fences under the same property. The insured will be indemnified against damage to the property caused by the following:
    • Fire, lightning, thunderbolt, earthquake or volcanic eruption.
    • Explosion.
    • Riot and strike.
    • Aircraft or other aerial devices.
    • Bursting or overflowing of water tank apparatus.
    • Theft accompanied by actual forcible and violent breaking into the building.
    • Impact to the building by any road vehicle or animal not belonging to the insured.
    • Storm and tempest.
    • Additional expenses incurred for alternative accommodation and loss of rent.
  • Fire Industrial (Material Damage) Insurance-This is a basic fire policy that covers the capital assets of the insured. This may include:
    • Buildings.
    • Stock in trade.
    • Furniture, fixtures and fittings.
    • Office equipment.
  • Fire Business Interruption (Loss Of Profits – This cover (consequential loss) protects the insured from future earning capacity. It covers loss of profits due to reduction or complete stoppage of production following sudden and unforeseen damage including breakdown to plant or machinery.
  • Industrial All Risks- This is a comprehensive Fire Policy which includes Fire material damage and business interruption.

16.Marine Insurance

It is a transit risk policy covering the movement of cargo from one specific point to the other point of discharge.

Kenindia Medical Insurance Products

  • Individual / Family Plan
  • Corporate Health Plan
  • Health Save Plan

Kenindia Life Insurance Products

1.Individual Pension Plan

2. Group Life Cover

It provides cover on employees/members life against the risk of death due to illness(natural) or accidental causes, critical illness, permanent total disability, and medical expenses. It also provides cover for last expense (funeral benefits )

3. Staff Retirement Benefit


  • A member receives periodic pension payments on retirement.
  • Up to one-third of the total accrued benefits as of retirement date can be received in a lump sum, the balance is then utilised to purchase annuity/pension.
  • If a member leaves service early, a deferred pension or a lump sum can be granted.
  • In the event of the death of a member, a pension scheme can provide benefits to the dependents.

4.Nguzo ya Jamii

This is a stand-alone funeral expense product that takes care of financial obligation while alive and after demise. It takes care of the funeral costs and part of the education of the children who are left behind.

5. Kumi Bora

The 10-year money back plan provides protection, saving and investment at periodical intervals in the name of survival benefit.

6.Economic Advantage

This is a whole life plan whereby the risk is covered by life insurance throughout the lifetime / up to the person’s attaining age 99.

7.Term Assurance

This is a pure risk cover that covers the life risk during the premium paying term, but no maturity value is payable on completion of the term.
8.Capital Advantage
This is a scheme under which an amount can be deposited in a single lump sum with a child as beneficiary.
9.Anticipated Whole Life
This is a plan with the benefits of Money Back instalments and maturity value, but beyond the premium paying term this policy yields the benefits of a whole life plan too.
10.Christmas Bonus
This policy gives guaranteed income every year for Christmas Celebration at the rate of 2.5% of the Sum Assured.
12.Dynamic Advantage
This is an endowment life cover. Under this plan, the maturity value along with bonus/profits became payable to the policyholder on completion of the policy/premium payment term. Loans can be availed on the policy depending upon the period for which premiums are paid.
12. 15 Years Money Back
This is a plan by which an investor will have a guaranteed return of 15% of their Sum Assured after every three years and yet assured of a return of 100% of the Sum Assured on the date of maturity. The plan also gives you cover on full sum assured throughout the plan period.
13. Academic Advantage
This is a life cover for the parent, with maturity instalments payable during the last four years of the policy term.

14. Education Endowment

This is a plan with the money-back instalments payable during the last five years of the policy term.
15.Multiple Advantage
This is an anticipated Endowment Plan for Periodic Money-Back Installments. It can be chosen for a term of 12, 15, 20 or 25 years.
16.Bima Account
It is a combination of Life Cover along with an opportunity of earning a good return on the amount invested.
List of Kenindia Assurance Branches in Kenya
1. Kenindia Assurance Head office
Location: Kenindia House, Loita Street, Nairobi.
Contacts: 0722-205923/4, 0733-333002/3  +254 (020) 3316099 / 2214439
2. Kenindia Assurance Enterprise Road Branch
Location: Bamburi Road, G.T. Bank House, 1st Floor
Contact: (020) 6537202/4
3. Kenindia Assurance Westlands Branch
Location: Fortis Tower, 3rd Floor, Woodvale Grove
Contact: (020) 4449222, 4444327,
4. Kenindia Assurance Eldoret Branch
Location: Kenindia Plaza, 2nd Floor, Oginga-Odinga Street
Contact: (053) 2032153
5. Kenindia Assurance Kisii Branch
Location: Sansora Building
Contacts: (058) 2030339,
6. Kenindia Assurance Kisumu Branch
Location: Mega Plaza
Contact: (057) 2022719
7. Kenindia Assurance Machakos Branch
Location: Utisi House, 2nd Floor
Contact : (044) 2020450
8. Kenindia Assurance Meru Branch
Location: Amee Centre, Kirukuri Street
Contact: (054) 3132223
9. Kenindia Assurance Mombasa Branch
Location: Imaara Building, Dedan Kimathi Avenue Kizingo, Mezzanine Floor, (M1)
Contacts:  (041) 2313715,  2311448, 222 8495
10. Kenindia Assurance Nakuru Branch
Location: Giddo Plaza
Contact: (020) 2216852
11. Kenindia Assurance Nyeri Branch
Location: Rupshi Chambers
Contact:  (061) 2030085
12. Kenindia Assurance Thika Branch
Location: Thika Arcade
Contact: 067) 2220430
Victor Matara

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