A - Buildings

Reinstatement value i.e. the cost of rebuilding the house including walls and outbuildings, making allowance for architects and surveyors fees and cost of debris removal

Including additional expense of alternative accommodation or loss of rent not exceeding 10% of the Sum Insured of building.

B – Contents

Replacement value of the property less a deduction for wear, tear and depreciation

C – All Risks

Replacement value of the property less a deduction for wear, tear and depreciation

D – WIBA for Domestic servants

Accidental Death – up to 96 months earnings

Accidental Permanent Total Disability – up to 96 months earnings

Accidental Temporary Total Disability – weekly Earnings up to 52 weeks

Medical Expenses – Kshs.100,000

Funeral Expenses – Kshs.30,000

E – Employers Liability

Any One Person – up to Kshs.2,000,000

Any One Occurrence – up to Kshs.10,000,000

Any One Year - up to Kshs.20,000,000

F – Owners Liability

Up to Kshs.5,000,000

G – Occupiers Liability

Up to Kshs.5,000,000

H – Personal accident

Accidental Death – Kshs.2,000,000

Accidental Permanent Total Disability - Kshs.2,000,000

I – Golfers Insurance

Golfers Equipment – Kshs.50,000, Personal Effects – Kshs.10,000

Hole in One – Kshs.10,000

Medical Expenses to Caddies – Kshs.10,000

Third Party Liability – Kshs.500,000 Personal Accident (Death/PTD) – Kshs.500,000

J – Home Office

Replacement value of the property less a deduction for wear, tear and depreciation

K – Terrorism, Sabotage & Political Risks

As per section A, B and C

Any one person

KES. 2,000,000/-

Any one Occurrence

KES 10,000,000/-

Any one year

KES 20,000,000/-