Agriculture Insurance
Cover for crops, livestock and greenhouses — including weather-index cover that pays out when drought or excess rain hits.
- Crop & livestock
- Weather-index cover
- Agribusiness assets
All Services
Specialized Covers
Advance Payment Guarantee
Secure the Mobilisation, Deliver the Project
When a project owner pays 10–30% upfront as mobilisation, they need assurance the money will be used on the project. An Advance Payment Guarantee (APG) reimburses the employer if the contractor fails to perform. Insurance-backed APGs are accepted by government agencies, donors, banks and major private employers across Kenya and East Africa.
What's Covered
Coverage that pays out when it matters
Every advance payment guarantee policy we place includes the following as standard. Optional extensions are available depending on your risk profile.
- Advance payment guarantees up to 30% of contract value
- Reducing balance as work is certified
- Government, parastatal and private employer acceptance
- Donor-project (World Bank, AfDB, EU) compliant wording
- Cross-border guarantees within East Africa
Who It's For
Built for people like you
Main contractors receiving mobilisation payments
Suppliers with upfront milestone payments
Consultants on donor-funded projects
Manufacturers producing to advance orders
FAQ
Quick answers
Is APG separate from a performance bond?+
Yes. A performance bond secures overall delivery; an APG specifically secures the mobilisation payment. Most contracts require both, running in parallel.
Does the guarantee reduce as I complete work?+
Standard practice — the guarantee amount reduces pro-rata as the employer certifies work done and recovers the advance from interim payments. This keeps your exposure aligned with actual risk.
You may also need
Other specialized covers we arrange
Contractors All Risk
Full-site cover for contractors: physical damage to works, machinery breakdown, and third-party liability throughout the build.
- Works & materials
- Plant & equipment
- Third-party liability
WIBA — Work Injury Benefits
Statutory cover for employee injuries, disability and medical expenses — keeping your business compliant with the WIBA Act.
- WIBA Act compliant
- Medical & compensation
- Fast onboarding
Get covered today
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