List of Mayfair Insurance Products and Branches in Kenya

This is a list of products offered by Mayfair Insurance and its branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. The company has been operating in Kenya since 2005 primarily offering general insurance.

Mayfair Insurance Products

a) Personal Solutions

1. Domestic Package
This policy protects your house and its contents. It is divided into the following sections;

Section A – Building(s)

This section covers the residential building in case of loss or damage caused by:

  • Fire, lightning, thunderbolt, earthquake, or volcanic eruption (including flood or overflow of the sea occasioned thereby) or subterranean fire.
  • Explosion.
  • Riot and strike.
  • Aircraft or other aerial device or any article dropped therefrom.
  • Bursting or overflowing of a water tank apparatus or pipe excluding (a) The first KShs. 500/- in respect of each and every loss. (b) Loss or damage whilst the buildings are left unfurnished –
  • Theft accompanied by actual forcible and violent breaking into or out of the buildings or any attempted threat excluding loss or damage occurring whilst the buildings are left unfurnished.
  • Impact with the building by any road vehicle or animal not belonging to the insured or any member of his family normally residing with him.
  • Storm or tempest (including flood or overflow of the sea occasioned thereby) but excluding damage caused by subsidence or landslip or damage to any building in the course of construction, reconstruction or repairs (unless all outside doors, windows, and other openings thereto are complete and protected against such perils) awnings, blinds, signs, external television and radio antennae, aerial fittings, masts, and towers or other outdoor fixtures and fittings including gates and fences.
  • Additional expenses of alternative accommodation and loss of rent (not exceeding ten percent of the sum insured) in the event of the buildings being so damaged by any of the above perils as to be rendered uninhabitable.

Section B – Contents

This section covers loss or damage to household contents caused by any of the perils covered under Section (A).

Section C – All Risks

All Risks insurance covers loss or damage to jewelry, gold and silver plate, and other specified valuables caused by burglary, fire, theft from your person, loss in transit or whilst traveling, accidental damage, etc.

Principle exclusions include loss or damage as a result of:

  • war
  • civil commotion
  • wear and tear
  • depreciation
  • damage due to moth
  • damage by process of repairing, restoring, or renovating.

Sections E & F – Owners’ & Occupiers’ Liability

These sections indemnify the insured against legal liability incurred to third parties as a direct consequence of being an owner or the occupiers of the residential premises.

In addition, the insurer will pay all costs and expenses recovered from the insured by any claimant and/or incurred with the written consent of the insurer in resisting any claim.

2. Motor Private Insurance 

This policy provides protection against accidental loss or damage to the motor vehicle including any standard accessories and spare parts as well legal liability which the insured shall be legally liable to pay as damages for accidental bodily injury and or damage to property of 3rd parties including tow costs and expenses incurred with the written consent of the company.

There are three covers under this policy;

  • Comprehensive
  • Third-Party, Fire & Theft
  • Third-Party only

Comprehensive Cover

This cover provides indemnity from:

  • Accidental damage to the vehicle, including fire damage
  • Theft of vehicle
  • Damage to other vehicles or property (TPPD)
  • Injury to or death of a passenger in your vehicle (applicable to private cars)
  • Injury to or death of Third Party person(s) outside your vehicle, caused by your vehicle (TPPI)

Third-Party, Fire and Theft cover

It has features of Comprehensive cover but excludes damage arising from an accident. It covers third party risks and in addition to that, it also covers loss or damages by fire, external explosion, self-ignition, or lightning or burglary or theft.

Third-Party Only

It covers liability for third party property damage, personal injuries, or death.

3. Sportsman/Golfers

This policy covers:

  • any sudden and accidental damage of sports equipment, clothing, accidents caused by the insured whilst playing
  • damage to property
  • personal accidents
  • hole-in-one

4. Personal Accident

It covers bodily injury caused by violent, accidental, external, and visible means  – subject to the limits specified in the policy.

5. Travel Insurance

This policy provides cover against personal accident, medical expenses, injuries, or death during travel.
B) Corporate Solutions
1. All Risks
It covers risks of any kind within the geographic area specified in the policy, with no exclusions unless stated.
2. Industrial All Risks
This is a Comprehensive Package Policy which covers almost all risks and perils, which a large industry may face during its operation.
3.Burglary
This policy provides indemnity against loss or damage to property following forcible or violent entry or exit from the insured’s premises.
4. Fire and Allied Perils
This policy provides cover for loss or damage to property, caused by fire or lightning.
5. Loss of Profits Following Fire
The policy operates in the event of fire causing a loss in profit of the insured and interruption to the business. This policy covers the balance sheet from becoming adverse from the interruption to business.
6. Goods in Transit
This policy provides cover for the loss or damage to various types of goods while in transit by road, rail, or any inland waterway.
7. Machinery Breakdown
This policy covers machinery breakdown arising from unforeseen and sudden physical loss or damage. It provides cover for plant machinery and mechanical equipment at work, at rest, or during maintenance operations.
8. Loss of Profits from Machinery Breakdown
It provides cover for the actual loss of gross profit sustained as a result of a business interruption caused by an accident indemnifiable under machinery insurance.
9. Deterioration of Stock (DOS) Insurance

It provides cover against deterioration of goods in cold storage due to a breakdown of refrigerating machinery.

10. Marine Cargo

This policy provides cover in respect of loss or damage to insured’s goods whilst in the high seas and/or while carried on the road and/or on the rail.

11. Marine Hull

It provides cover to the marine vessel. It extends to cover third party liabilities (injuries/damage) to property emanating from the incidences.
12. Money/Cash in Transit
This Policy covers Loss of Money which includes Cash or Currency Notes occasioned by Robbery or Theft or any cause whilst in Transit or in Premises.

13. Motor Commercial

This policy provides protection against accidental loss or damage to a commercial motor vehicle, third party property damage, bodily injury, or death liabilities.
There are 3 covers in this policy.
  • Comprehensive
  • Third-Party, Fire & Theft
  • Third-Party only

14.  Motor Cycle

This covers liability for third party property damage, personal injuries, or death. The range is the same as for private car policies i.e. Third Party, Third Party Fire & Theft, and Comprehensive.

15. Motor Trade

This policy is tailor-made for motor dealers only who engage in the sale of new vehicles, Buying and selling vehicles, Service, and repair of vehicles.

16. General Cartage Motor

This policy applies to a type of vehicle that is used for the carriage of goods for others on hire and/or reward. Protects against accidental loss or damage to the motor vehicle, third party property damage, bodily injury, or death liabilities.

17. Special Vehicles
It covers Motor vehicles that include tractors, trailers, classic or vintage cars, etc. Protects against accidental loss or damage to the motor vehicle, fire, theft, third party property damage, bodily injury, or death liabilities.
18. COMESA PTA Yellow Card
The third-party motor vehicle insurance scheme, otherwise known as the Yellow Card, is a regional insurance card system recognized by participating states party to the yellow card scheme as evidence of guarantee in compliance with the national laws or regulations governing liability in respect of motor vehicle accidents.
The types of motor insurance policies applicable to the Yellow Card cover include Private Car, Motorcycle, and Commercial Vehicle insurance policies.
19. Plate Glass
This policy provides cover for the insured against loss and/or destruction/damage to glass by accident or misfortune of fortuitous nature Cover can be arranged for display signs, fixed glass, and glass partitions in business premises.
20. Computer/Electronic Equipment
It provides cover for plant machinery and mechanical equipment at work, at rest, or during maintenance operations.
21. Fidelity Guarantee
This policy covers the insured from loss of stock, that an employer might sustain through acts of a dishonest employee in the course of his/her employment.
22. Workmen Injury Benefits Act
It provides indemnity to an employer against legal liability under the Work Injury Benefits Act, 2007 in respect of assessments and awards for bodily injury to a workman due to accident or occupational disease arising out of and in the course of the employment.
C). Corporate Liability
1. Employer’s Liability
It provides cover against legal liability under common law for damages and claimants costs and expenses of litigation in respect of bodily injury by accident or disease to workmen (employees) arising out of and in the course of their employment directly related to breach of common law or statutory duty.
2. Professional Liability

It provides cover against legal liability to persons in various professions that arise out of their duty of skill and care to their clients. Should their clients suffer financial loss as a result of negligence or unprofessional conduct, they may well find themselves liable to reimburse this loss. Professional who can be covered include:

  • Auditors/Accountants/Tax Advisors/Actuaries
  • Advocates/Notaries
  • Civil and Structural Engineers
  • Quantity Surveyors/Land Surveyors
  • Valuers/Property Consultants
  • Architects
  • Doctors/physicians
3. Products Liability

This policy covers liability for defective products sold to consumers.

4. Public Liability

This policy indemnifies the insured against all sums, including all costs and expenses incurred with the written consent of the insurer,(subject to the terms, provisions, exclusions, conditions and liability limits) which the insured shall become legally liable to pay for compensation in respect of:

  • Death of or bodily injury to any person other than the insured or a person in the service of the insured or his sub-contractor.
  • Damage to any property other than property belonging to, held in trust by or in the control of the insured or his employees/subcontractors;
5. Trustees Liability

The policy covers the insured trustees for the cost of compensation for their legal liability for loss or damage made against the trustees of a pension scheme for alleged wrongful acts.

6. 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.

7.Directors and Officers Liability
This policy covers the insured against their legal liability for loss or damage resulting from any wrongful act in the insured’s capacity as a director or officer of the company except as specially excluded.
D). Construction & Engineering
1. Contractors All Risks
It offers comprehensive and adequate protection against loss or damage in respect of the contract works, construction of plant and equipment, construction machinery, as well as against third party claims in respect of property damage or bodily injury arising in connection with the execution of a building project.
2.Contractors Plant and Machinery
It covers any loss or damage from any cause whatsoever occurring at work, at rest, or during maintenance operations and is not limited to a specific construction site.
3. Erection All Risk (EAR) Insurance
It offers comprehensive and adequate protection against all the risks involved in the erection of machinery, plant and steel structures of any kind, as well as third party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project.
4. Boiler and Pressure Vessel
It covers boiler and pressure vessels explosion or collapse in the course of ordinary working and seeks to indemnify 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.
  • Damage to the property of third parties.

5. Advanced Loss of Profits

This policy pays for Anticipated Net Profit plus Standing Charges (Fixed Expenses) during the period of delay, from the scheduled date of commencement of commercial operation up to the actual date of commencement of commercial operation, subject to a time excess and the Indemnity Period.
E). Bonds 
1. Immigration Bonds
These bonds are normally issued to the Immigration Department for processing of work permits, including those for self-employed Non-Kenyan residents, to facilitate stay in Kenya or for dependants who are not Kenyan Nationals.
2. Customs Bonds

Warehouse Bonds

These bonds are normally used for the storage of goods without payment of duty in a bonded warehouse under customs control and as and when the goods are removed, duty is paid.

A claim under these bonds would arise if a person for whom a bond is given changes his/her employment contrary to the one specified in the work permit or is deported from Kenya.

Manufacturing Bonds –

This bond is used for the importation of raw materials duty-free on the condition that the finished goods are exported out of the country. These Bonds are mainly required by industries which manufacture under Bond.

If the goods are not exported or are sold in the country, duty is payable by the Insured.

3.Bid Bonds

Also known as tender bonds, bid bonds guarantee compensation to the bond owner if the bidder fails to begin a project. Bid bonds normally have a period during which the bid is valid and in the event, the insured is not awarded the tender, the bid bond lapses.

4.Performance Bonds Cover
These bonds are normally issued as a surety for the due performance of a contract, such as the construction of a property, erection of plant and machinery, etc.
5. Advance Payment Bonds
These types of Bonds are normally associated with contracts for the construction of property or erection of plant and machinery.
List of Mayfair Insurance Branches in Kenya
1. Mayfair Insurance Head office
Location: 8th floor Mayfair Centre, Ralph Bunche Road, Nairobi
Contacts: +254 20 2999000
2. Mayfair Insurance Mombasa Branch
Location: Ground Floor, Mayfair House, Junction of New Nyali Road & Silo Road, Nairobi
Contact: +254 41 4470737/738
3. Mayfair Insurance Kisumu Branch
Location: 3rd Floor, Vishva Plaza, Uganda Road
Contact: +254 532032741/2