1. Fire and Allied Perils 

Property insured include all buildings, swimming pool, students’ personal effects, furniture, fixtures and fittings, food stocks, books and any other similar property against loss or damage occasioned by the following risks: 

• Fire 
• Lightning 
• Earthquake 
• Special perils 
• Floods & storm 
• Riot, strike, civil commotion, and malicious damage 
• Explosion as a result of gas cylinders and appliances & boilers  

2. Burglary (Break In)  

Under this section, we provide cover for school property such as furniture, lab equipment, books, stores, and any other items of similar description against loss or damage following forcible and violent entry / exit to the school premises. A key requirement is that there ought to always be a security guard / watchman on duty.  

Theft by employees or students is not covered under this section.  

3. Public Liability  

Public Liability section is designed to cover third party legal liability claims that may arise in and out of the institution’s premises. Third-party claimants are persons who may sustain injuries / death and or damage to their property as a result of negligent actions on the institution and or its employees.  

4. Students’ Personal Accident Cover 

The policy provides monetary payments as detailed in the schedule of benefits in the event bodily injury or death to the insured students as a result of an accident. 

Benefits under the policy 

1. Accidental Death Benefit - In the unfortunate occurrence of death through an accident, the policy will make a monetary payment up to the policy limit.  
2. Accidental Permanent Disability - The policy will compensate in monetary terms for permanent disability to the students as determined by a medical doctor.  
3. Accident Medical Expenses - Medical bills incurred as a result of an accident will be reimbursed up to the policy limit.  
4. Artificial Appliances - The policy will make monetary payments for purchase of artificial limbs as recommended by a medical doctor subject to the policy limit.  
5. Ambulance Expenses - Monetary payments payable to the school on reimbursement basis for expenses incurred upon settlement of ambulance charges following accidental injury to a student  
6. Dental & Optical Treatment - The policy will pay for the cost of treating dental & optical injuries resulting from an accident up to the policy limit.  
7. Funeral Expenses - The policy will cater for funeral expenses within 48 hours upon receipt of full claim documentation by the company.  
8.  Private Tuition Fees - Following Incapacitation Reimbursement of lost tuition fees paid to the institution following incapacitation and the student is unable to attend school up to a maximum of 8 weeks excluding the first one week. 

Note  

• Age limit: 3 to 20 years  
• Accumulation Limit: Kes.10M  
• Limited to school and school-related activities including transportation to and from school 
• Limits & coverage can be customized to suit the needs of the school. 

5. All Risks 

Under this section the cover provided is specifically arranged for computer and accessories, laptops, photocopiers, fax machines and other mobile electronic equipment. It offers financial compensation following loss or damage to the equipment in the event of accidental breakage, theft, or fire subject to specific exclusions under the policy.  

6. Directors & Officers Liability 

This section provides cover for claims made against the directors in their personal capacity arising out of any wrongful acts by the Institution in their capacities as directors or officers. This cover is recommended for all private schools. “Wrongful Acts” shall mean any actual or alleged breach of duty breach of trust, neglect, error misstatement, misleading statement, omission, breach of warranty or authority or any other acts done or wrongly attempted by any director or officer.

7. Loss of Money 

This section provides cover for loss of money in direct transit or on premises including damage to safes or strong room caused by theft or any attempt or threat. 

8. Fidelity Guarantee 

Provides cover against loss of money and/or stock through fraud or dishonesty of the insured employees handling cash or stock provided that such acts are discovered within 6 months.  

9. School Bus Insurance 

The School Bus Insurance is a customized policy that offers a wide range of unique benefits. It allows the insured/school management to enjoy peace of mind as they focus on promoting excellence in education. It’s a policy designed to cover institutional vehicles including buses, vans, trucks etc. whilst on institutions related activities or any other activities authorized by the management of the institution. The policy covers the insured vehicles against the below risks;  

• Accidental damage, collision or overturning  
• Damage by fire 
• Malicious damage  
• Theft  
• Third party liabilities  
• Perils of nature e.g. floods, typhoon, hurricane, volcanic eruption & earthquake  
• Riots, strike & civil commotion  

 Extra Free Benefits  

• Free annual valuation  
• Geographical area – East Africa  
• Political risk and terrorism cover  
• No blame no excess  
• Windscreen cover up to Kes.100,000 - extra cover charge 10% of extra limit required  
• Radio / entertainment system covered up to Kes.100,000  
• Emergency medical expenses up to Kes.50,000 
• Towing charges of up to Kes.100,000 - extra cover charge 10% of extra limit required  
• Crane recovery charges of up to Kes.100,000 extra cover charge 10% of extra limit required  
• Authorized repair limit Kes.100,000  
• Personal Accident for the driver for death and permanent total disability during school activities – Kes.300,000 (maximum 2 drivers per incident)  
• Third-Party Property Damage up to Kes.5,000,000  
• Free passenger legal liability for students  
• Free riot, strike, and civil commotion  
• Free cover for alternators and starters subject to reinforcement  
• Free tracking device for the first one year for newly purchased zero mileage vehicles

 Excess 

• Own damage and partial theft – 5% of value minimum Kes.20,000 and maximum of Kes.150,000  
• Theft with anti-theft device – 10% of value minimum Kes.20,000  
• Theft without anti-theft device – 25% of value minimum Kes.20,000  
• Theft with tracking device from our appointed provider – 5% of value minimum Kes.20,000  
• Third-Party Personal Injuries – Nil  
• Third-Party Property Damage – Kes.10,000  
• Young and/or inexperienced drivers – Kes.10,000 over and above own damage excess  

Extra benefits at an additional premium  

• Passenger legal liability for organized groups: one off annual payment of Kes.250 per person.  
• Excess Protector: 0.25% of the sum insured  

10. Work Injury Benefits Act (WIBA) Insurance Policy 

This insurance covers the Insured against expenses for injuries or death suffered by the employees whilst in the course of duty as provided for by the WIBA ACT of 2007. Any worker is eligible for this cover if the worker is in continuous employment whether on full term contract or casual. 

           Summary of Benefits 

• Death: An equivalent of eight years’ salary or 96 months’ salary  
• Permanent Total Disability: A percentage of the death benefit depending on degree of disability subject to eight years’ salary or 96 months’ salary  
• Partial Disability: An equivalent of actual weekly earnings subject to 52 weeks  
• Medical Expenses: Actual medical expenses incurred as a result of injury or illness subject to a maximum of Kes.100,000 . 
• Funeral Expenses - the limit is Kes.30,000 per deceased person This policy can be taken as stand-alone and can be extended to became 24-hour policy (WIBA / GPA), this means, subject to additional premium, the employees can be covered while on their other personal engagements outside the school.  

11. Employers Liability (Common Law)  

This section provides liability cover in case an employer is sued under Common Law by an employee who suffers injury or illness while at work. The WIBA policy does not provide for awards for pain and suffering or loss of amenities and other exposures under common law and therefore, there are chances that the affected employee is compensated under the WIBA policy, the insured could still incur financial loss. This policy fills that gap. The awards are based on the amount awarded by Court.  

12. Other Products Available For Schools 

• Group Personal Accident for teaching and nonteaching staff  
• Personal Accident covers for school directors at a discounted premium  
• Private Motor scheme for directors and staff  
• Customized Home Insurance and Property Insurance for directors and staff  
• Directors and Officers Liability for school Directors / Board members  
• Tailor-made Group Medical Insurance Cover  
• Political Violence and Terrorism Cover