SME Insurance
An all-in-one package for small and medium businesses — fire, burglary, money in transit and business interruption in one policy.
- Fire & burglary
- Money in transit
- Business interruption
All Services
Business Insurance
High-Value Cargo & Cash-in-Transit
Specialist Cover for Precious Cargo
Standard marine and money cover isn't built for gold shipments, jewellery consignments, high-value electronics or large cash movements. We arrange specialist policies with underwriters who insure at Lloyd's — with strict but sensible security protocols, GPS-tracked vehicles, vetted escort providers and single-transit sums insured running into hundreds of millions.
What's Covered
Coverage that pays out when it matters
Every high-value cargo & cash-in-transit policy we place includes the following as standard. Optional extensions are available depending on your risk profile.
- Gold, silver, platinum and precious metals in transit
- Jewellery and gemstones (dealers and exhibitions)
- High-value electronics and pharmaceuticals
- Cash-in-transit between branches, ATMs and vaults
- Cash in safe and on premises overnight
- Hold-up and armed robbery cover
- GPS-tracked and escorted movements
- Lloyd's-backed capacity for large single limits
Who It's For
Built for people like you
Banks, SACCOs and microfinance institutions
Bullion dealers and jewellery retailers
Cash-in-transit and security companies
Importers of high-value electronics and pharma
FAQ
Quick answers
What security protocols will underwriters require?+
Typically: armoured or hardened vehicles, a minimum of two vetted crew, GPS tracking with monitored control room, and armed escort above certain limits. We help you meet requirements without over-spending.
How high can the sum insured go?+
For qualifying risks we place capacity of KSh 500M+ per transit through Lloyd's and reinsurance markets. Get in touch with your typical single-transit exposure and we'll structure it.
You may also need
Other business insurance we arrange
Property Insurance
Protect commercial buildings, stock and machinery from fire, theft, floods and other perils — with cover sized to your assets.
- Fire & allied perils
- Plant & machinery
- Stock in trade
Liability Insurance
Public, product and employer liability cover that pays legal fees and settlements when a third party makes a claim against your business.
- Public liability
- Product liability
- Legal defence costs
Get covered today
Ready to get covered? A quote takes 5 minutes.
Independent advice, arranged by people who pick up the phone.