General Insurance

Protect your business.

We can help you protect your business from unforeseen risks with the right coverage at the right time.

Motor Insurance

Sanlam offers a range of products on comprehensive motor insurance with optional benefits and insurance limits encompassed in three optional products; i.e. Sanlam Gold, Sanlam Silver and Sanlam Bronze.

The insurance will cover the vehicles for loss or damage (including riots and strikes) and third party liabilities anywhere in East Africa with the following benefits:

  • Saham/Sanlam Assistance Membership
  • Personal accident insurance
  • 24-hour road rescue
  • Emergency medical expenses and many more

  • Own Goods - This covers motor commercial vehicles against accidental damage, fire, theft, third party liability and there is extension of passenger covers while in the cabin of the vehicle.
  • Tractors - The cover protects tractors against accidental damage, fire, theft and third party liability when it is on its own wheel. The cover is taken for tractors used in agriculture and any other use.
  • Trade (Road Risks Only) - The cover is taken by motor traders/garages to protect them against road risks during the testing and movement of the vehicle on its own wheel from the dealer to the customer or the body builders. The value is provided per IT plate.
  • PSV - This covers passenger service vehicles and offers protection against accidental damage, fire, theft, third party liability and passenger liability. The vehicle must be fully compliant with the RURA PSV rules.
  • PSV Car Hire - The cover is given for vehicles used for private hire which are chauffeur driven.
  • General Cartage (Carriers Liability) Motor Insurance is insurance for commercial motor vehicles used for hire and reward. It covers risks of losses and damages to commercial vehicles while being used to transport third party goods. This policy is suitable for:
    • Large trucks
    • Trailers
    • Tankers
    • Water bowsers

The cover will include third party risks as required by the law.

This cover is taken to cover motorcycles against accidental damage, fire and theft. Cover also extends to cover third party liability as provided under the Traffic Act.

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Accident Insurance

Sanlam covers emergency medical expenses, follow up treatments, journey cancellation, travel delay, loss of luggage, personal liability, and personal accidents amongst others. Travel insurance is a special type of cover that you can take out before embarking on a trip outside your home country that offers you protection in case of any unforeseen circumstances while on your trip.

Sanlam gives you the option of taking up travel insurance:

  • on reimbursement
  • on an assistance basis

Sanlam offers Medical Insurance of up to Euro 30 000 and Personal Accident Cover of up to Euro 30 000. Additional benefits include support for medical evacuation, loss of luggage, personal liability, hijack, repatriation and many more.

This cover is ideal for travelling directors and senior employees and can be taken either per trip or annually for those who travel often.

Covers employees against accidental loss of life or disability arising out of an accident while on duty or pleasure on a 24-hour basis. The benefits provided for under GPA are outlined as follows:

  • Accidental Death
  • Permanent Total Disablement (PTD)
  • Temporary Total Disablement (TTD)
  • Medical expenses
  • Funeral expenses
  • Occupational diseases

This covers money while in premises in a locked safe, in the hands of authorised employees and while in transit to and from the bank. It also covers money while being moved from the premises to the bank and vice versa. The cover also extends to cover money within the premises in a safe and secure room. It also covers money in the hands of senior staff and damage to the safe. In all cases, limits are provided on the estimated annual carry.

Covers a corporate institution against the loss of money or goods by fraud or dishonesty of named employee(s).

This covers theft of insured property by any person or persons using violent and forcible means of entry into or exit from the premises where such property is kept, without permission from the owner, person or persons to whom such property is legally entrusted or keeping on behalf. This section extends to cover the insured against losses occurring without forcible or violent entry or exit from insured premises.

Provides cover against accidental physical loss or damage to specified items as a result of any cause which is not specifically excluded from the policy. This includes theft, fire and accidental damage including riot and strike. It is important that the insured lists the items covered and their respective values/sum insured.

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Engineering Insurance

This insurance provides comprehensive and adequate protection against loss or damage in respect to the contract works, construction plant and equipment and or construction machinery as well as against third party claims in respect to property damage or bodily injury arising in connection with the execution of the contract.

This covers any loss/damage to contractor's plant and machinery from any cause occurring at work, rest or during maintenance operations and is not for specific construction sites.

The risks include fire, lighting and allied perils, riot, strike, malicious damage, transit risks, theft, burglary, collision, impact, and collapse.

Cover protects insured against all risks involved in erection of machinery, plant and steel structures of any kind, as well as property damage or bodily injuries to third parties arising in connection with the erection works.

Cover against accidental damage to completely installed machinery resulting from breakdown from sudden and unforeseen causes.

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Property Insurance

The basic cover responds to loss or damage to property caused by fire, lightning and explosion and is extended to include riots, strikes, malicious damages, storms, earthquakes, floods, and water damages due to bursting or overflowing water tanks apparatus and pipes. Property covered includes: buildings, furniture, fixtures and fittings, plant and machinery etc.

The policy responds to consequential losses arising from risks covered under the fire and allied perils section. Examples of such consequential losses include loss of profit, rent, wages or increase or additional expenses in the cost of working within a given period.

This is a special policy designed to cover an industrial entity against all risks that may affect the operations of the entity such as fire, theft and loss of profits.

Covers against riots, strikes and civil commotion for political reasons, acts of terrorism, sabotage, malicious damage for political reasons, insurrection, revolution or rebellion mutiny and civil war.

This is a packaged policy suitable for small and medium business enterprises. It offers many classes of insurance under one policy without subjecting the insured to minimum premiums per class of insurance. The policy does not impose any excesses on the insured. The classes under Sanlam Businessman Combined are:

  • Fire and Allied Perils
  • Burglary
  • All Risks
  • Work Related Injuries etc.

This covers accidental loss or damage to plate glass up to the insured value. Cover can be arranged for cabinet glass, display glass, signs and neons, fixed glass and glass partitions on the premises.

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Marine Insurance

This policy covers loss or damage to goods and/or merchandise in transit from one place to another by sea, air, rail, road or registered post. The cover provided is in respect of marine perils, war and strike, riot and civil commotion perils.

This policy covers the ship, boats and yachts, from unforeseen and accidental causes.

Provides cover against loss or damage to property arising from accidents or misfortunes while being loaded, unloaded, during conveyance and when temporarily housed in the course of transit.

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Health Insurance

This is a medical product suitable for corporates with a wide range of solutions to choose from depending on their budget. It caters for both inpatient and outpatient medical bills. In addition, it also caters for emergency evacuations.

The members have a wide range of high and middle net worth hospitals countrywide and international including:

  • Kenya
  • Uganda
  • Tunisia
  • Morocco
  • France
  • Belgium
  • South Africa
  • Spain
  • India
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Liability Insurance

Public liability insurance protects the insured against the costs resulting from the suits that a third party may institute against him if out of the negligence of the insured, within his premises, a third party is injured or loses property.

This is a policy that indemnifies the manufacturer if the consumption of his product causes harm or financial loss to a consumer.

This is an insurance policy that covers the insured from losses that may result from professional malpractice. Examples of professionals covered include lawyers, valuers, engineers, auditors, medical practitioners, pharmacists etc.

Covers the directors and managers of an organisation against claims that may arise from the decisions and actions taken within the scope of their regular duties.

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