Samaki Bima (Fish Farm Insurance)

This is an insurance product that covers on-shore and off-shore fish farms against various perils.

Eligibility

• Licensed fish farmers registered with relevant local authorities, Beach Management Units & Community Based Organizations
• At least 2 years of fish farming experience
• Farmer must maintain a fish feeding register
• Fish stock inspection taking place at least once every month
• 24-hour security at the beach (watchman warranty)
• Net in a good condition and within its useful lifetime limits

Scope of Cover

• Accidental damage of cage structure, including nets
• Theft of the fish stock.
• Upweling
• Storm
• Diseases/Parasites
• Pollution
• Oxygen Deficiency
• Flooding
• Malicious damage

Fish Species Covered

• Tilapia
• Trout
• Nile Perch
• Catfish

How to be Insured

1. Proposer fills the application form.
2. GA provides indicative insurance terms / quotation
3. Proposer pays premium
4. An aquaculture expert visits the farm and provides an assessment to GA.
5. Cover certificate is issued to the proposer for signing to acknowledge consent of affirmed cover terms
6. Issuance of the policy document

Requirements

• Duly filled proposal form
• Copy of KRA PIN
• Copy of ID
• Farm managers CV(s)
• Aquaculture vet report certifying health of fish and adoption of good fish farming practices.

Cover exclusions

• Loss or mortality directly caused by inappropriate feed
• Loss of stock owing to net breakage, unless the cage has also been severely damaged by an atmospheric peril
• Loss or mortality because the Insured stock has been harvested prematurely
• Loss or mortality directly or indirectly caused by, arising out of or aggravated by, war, terror, strikes, riots and sabotage
• Theft of stock, cage, nets by insured’s employees and/or household members

Brochures

• Samaki Bima (Fish Farm Insurance) – English Brochure
• Samaki Bima (Fish Farm Insurance) – Kiswahili Brochure

CONTACT US

For quotation request or any enquiries;

+254 709 626 000

samakibima@gakenya.com

insure@gakenya.com

GA blood stock Insurance policy will indemnify the insured in respect of death or loss of high value animal(s) (particularly horses) along with other named perils as specified in the policy documentation. In addition, the policy will cover medical expenses in case of accidental injury to the animals.

The need arises from a need to protect the high investments involved with high value animals; the lack of risk covers may adversely affect the sustainability of the business venture.

Factors affecting the premiums

• The sum insured or limit of liability
• The use of the horse
• The location of the horse
• The age and health of your horse
• Insurance and claims history
• The period you require for the policy.

What is a K9 dog? In this context a K9 refers to a dog trained to:

• Watch for and guard property against unwanted or unexpected human or animal intruders; and/or
• Detect controlled substances, explosives, ignitable liquids, firearms, cadavers, or school or correctional facility contraband.

GA K9 Insurance cover will indemnify the insured in respect of death or loss of an insured K9 dog, third party liability arising from a strike or bite of the insured K9 dog, along with other named perils as specified in the policy documentation.

Eligibility:

1. Be owned by the proposer
2. Reside permanently with the proposer in Kenya
3. Be between twelve (12) weeks and seven (7) years of age at the start date of the policy.
4. Be not more than ten (10) years of age

Requirements:

1. Duly filled proposal form
2. Current veterinary medical and valuation report from local Veterinary doctor
3. Animal Identification – Microchips for Dogs
4. KRA Pin Number
5. Vaccination certificates

Enquiries:

Kindly send your enquiries to;

Email: atyourservice@gakenya.com

Phone number: +254709626000

Or contact your representative relationship manager for a quotation.

This is a one-of-a-kind cover that has been designed to protect the insured in respect to loss or damage of the insured Electric Vehicle and/or its accessories, legal liability for damages arising from an accident by or in connection with the insured Electric Vehicle along with other named perils specified in the policy documentation.

Eligibility: – What is covered

• Private Motor vehicles

• Vans

• Buses Private and Public

• Motorcycles

• Bicycles

• Scooters

Sections covered – We will cover you against

• Loss of damage of Vehicle, Accessories (including charging cable) & battery

• Third party liabilities

• Passenger liabilities

• Medical expense in case of an accident

• Entertainment set

• Flatbed Towing.

Cover Extensions

• Private charging station

• Autonomous Driving

• Cyber Coverage

• Loss of use

• Political Violence &Terrorism

• Personal Accident

• Forced ATM Withdrawal Cover

• Cost of Alternative Accommodation

• Personal Effects Cover

• Excess Protector

Required Documents for cover:

• Duly filled proposal form

• A copy of the logbook/ownership document

• Motor valuation report for cars, vans and buses

• Copy of National Identification card (ID) – for Individuals or Certificate of Incorporation for corporates

• KRA Pin Number

How can you get covered?

Simply speak to your Intermediary or Insurance Relationship Manager today and provide your

preferred cover details to get a tailor-made Electric Vehicle Cover Package for you.

Terms and Conditions apply

GA Marine Insurance Policy protects goods from the risk of loss, damage, and theft during transit by sea, land, and air from  the port of origin

What are the types of Marine Insurance Policies in Kenya?

Marine insurance coverage is broadly divided into three categories namely:

a) Marine Hull Insurance Cover in Kenya

Marine Hull ensures risks associated with boats, canoes, dhows, vessels, ships
, and other marine vessels.

b) Marine Cargo Insurance Cover in Kenya

It covers shipments from starting point to the final
destination. The same insurance can cover any shipment by road, rail, or air.

c) Marine Third Party Liability.

This cover insures the vessel owner; vessel charterer in
respect of legal liabilities to third parties. It does not cover loss or damage
to the vessel.

What are the Institute cargo clauses in Marine Insurance Policy?

Institute cargo clauses come embedded in the marine policy. The clauses outline the perils that are covered in the policy in case of any loss or damage to the cargo.

There are three sets of institute cargo clauses:

1. Institute cargo clauses A

ICC (A) states that the policy covers all risks of loss or damage to the subject-matter insured except as excluded

2. Institute cargo clauses B

ICC (B) covers general average and salvage charges, adjusted, or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded

3. Institute cargo clauses C

ICC (C) is the most restrictive in terms of its coverage and comes with a low premium

What is covered by Marine Insurance?

The marine insurance policy protects you against losses/damages to property caused by;

• Natural disasters like cyclones, earthquakes, lighting, etc.
• Man-made disasters like theft, violence & piracy of ships.
• Collision, overturning, or derailment of land conveyance
• Sinking of ships
• War

The Marine Insurance policy cover transits by;

• Water
• Air
• Road or rail

Who Needs Marine Insurance policy in Kenya?

The Marine  Insurance policy covers a wide range of industries including but not limited to;

• Pharmaceutical Industry
• Machine industry
• Electronics Industry
• Agricultural industry
• Floricultural Industry
• Fine Arts
• Food & Drinks Processors
• Consumer Goods Industry
• Vehicles Importation

This is a Healthcare Plan that focuses on offering health insurance to the senior citizens. It offers peace of mind that the medical expenses are catered for by a trusted insurer.

Hadhi Health Plan is driven by our desire to provide dignified care to the elderly in our society.

GA Medical Insurance cover offers coverage to medical and surgical expenses reasonably incurred by the insured members as a result of sustaining an accidental bodily injury and/or illness and/or disease within the period of insurance.

Terrorism and sabotage Insurance offers Indemnity against loss and or damage to property, business interruption arising from sabotage, terrorism, mutiny, rebellion, insurrection and coup d’etat.

The Machinery Breakdown Loss of Profit Insurance protects the loss of gross profit and/or increased cost of working due to a continuing interruption to business caused by a breakdown covered by the Machinery Breakdown insurance. The interruption usually comes in the form of time spent in arranging repairs, awaiting delivery of repaired or replacement parts (sometimes from overseas), starting up the plant and re-activating the business. It is a requirement that the insured have a Machinery breakdown policy in force. In addition, for a loss of profits claim to be admissible, the material damage claim must also have been valid.

Cash on transit Insurance cover safeguards you against the loss of money belonging to the insured due to theft from the premises or during transit

Political Violence and Terrorism Insurance policy provides cover against risks of terrorism, sabotage, mutiny, insurrection, rebellion, coup de’tat, riot, strike and civil commotion.