INSURANCE
Secure Your Future with Stima Investment Insurance Agency
- Stima Investment Insurance Agency Ltd is a subsidiary for Stima Investment Cooperative Society Ltd. The agency was licensed under The Insurance Act in 2015. It offers all classes of insurance products including life & non-life products, medical products as well as claim and risk management services to our members and non-members. We pride ourselves in providing innovative and competitive insurance products that are relevant and appropriate to our customer’s needs, excellent claim services as well professional insurance consultancy services. We accomplish this by establishing partnerships with various reputable insurance companies in the industry.
What Drives Us
OUR PRODUCTS
We Provide
MEDICAL INSURANCE
This policy provides financial protection to families against unexpected medical bills as well as enabling families access affordable, appropriate, quality and timely medical care. The agency provides comprehensive medical insurance to individuals, families, businesses, groups and institutions that covers both inpatient and outpatient benefits with coverage that ranges from chronic conditions, maternity benefits, pre-existing conditions, dental, optical benefits etc.
We Provide
HOMEOWNERS INSURANCE
The policy provides coverage for loss or damage to residential homes, household contents for losses arising from accidental fire and related perils, burglary, riot and strike, malicious damage, floods etc. The policy also covers owners.occupier’s liability as well as work related liability arising from injuries sustained by domestic servants. Policy can be extended to cover political violence and terrorism.
We Provide
HOMEOWNERS INSURANCE
The policy provides coverage for loss or damage to residential homes, household contents for losses arising from accidental fire and related perils, burglary, riot and strike, malicious damage, floods etc. The policy also covers owners.occupier’s liability as well as work related liability arising from injuries sustained by domestic servants. Policy can be extended to cover political violence and terrorism.
We Provide
MOTOR INSURANCE
The policy provides coverage against legal third party damages as well as accidental own damage or loss to vehicles and their accessories. Policy can be issued as comprehensive or third party for all classes of motor vehicles inclusive of private vehicles, commercial vehicles, institutional vehicles, motorcycles, special type vehicles etc.
We Provide
PERSONAL ACCIDENT
This policy provides compensation for accidental bodily injury, accidental death, disability (permanent total disability/temporary disability), medical expenses, hospitalization benefits as well as funeral expenses.
We Provide
GOODS IN TRANSIT AND CARRIER’S LIABILITY
The goods in transit policy offers protection against loss, destruction or damage to goods whilst they are in transit by road, rail or any inland waterways from the time of leaving the insured’s premises to final delivery. The policy also protects the insured from liability during loading and unloading of the goods and temporary housing in the course of transit. Some of the perils covered include theft, fire, overturning etc. The cover is ideal for individuals or companies transporting goods.
We Provide
MOTOR INSURANCE
The policy provides coverage against legal third party damages as well as accidental own damage or loss to vehicles and their accessories. Policy can be issued as comprehensive or third party for all classes of motor vehicles inclusive of private vehicles, commercial vehicles, institutional vehicles, motorcycles, special type vehicles etc.
We Provide
PERSONAL ACCIDENT
This policy provides compensation for accidental bodily injury, accidental death, disability (permanent total disability/temporary disability), medical expenses, hospitalization benefits as well as funeral expenses.
We Provide
GOODS IN TRANSIT AND CARRIER’S LIABILITY
The goods in transit policy offers protection against loss, destruction or damage to goods whilst they are in transit by road, rail or any inland waterways from the time of leaving the insured’s premises to final delivery. The policy also protects the insured from liability during loading and unloading of the goods and temporary housing in the course of transit. Some of the perils covered include theft, fire, overturning etc. The cover is ideal for individuals or companies transporting goods.
We Provide
FIRE & SPECIAL PERILS
This policy provides compensation for losses or damage to property arising from fire, lightning, limited explosion as well as special perils such as social perils, chemical perils, natural perils and miscellaneous perils. This policy covers property under the headings of Building Equipment, Plant and Machinery General Contents Stock. The policy can be extended to cover loss of profits during the period the business is affected by either of the insured perils.
We Provide
FIRE & SPECIAL PERILS
This policy provides compensation for losses or damage to property arising from fire, lightning, limited explosion as well as special perils such as social perils, chemical perils, natural perils and miscellaneous perils. This policy covers property under the headings of Building Equipment, Plant and Machinery General Contents Stock. The policy can be extended to cover loss of profits during the period the business is affected by either of the insured perils.
We Provide
THEFT / BURGLARY
This policy provides compensation for losses or damage to property arising from theft following entry into and exit from the premises forcibly or by violent means, damage sustained on the premises in the course of theft or attempted theft. The cover insures furniture, fixtures and fittings, stocks, general contents, machinery and plant. The policy can be extended to cover riot, strike, malicious damage, political violence and terrorism.
We Provide
ALL RISKS INSURANCE
Provides compensation for loss or damage to specified items of a portable nature arising from any cause. This includes accidental loss, damage or destruction arising from fire, theft, riot and strike, accidental breakage, water damage etc. Cover is suitable for laptops, mobile phones, cameras, projectors, POS, public address system, music system etc.
We Provide
ALL RISKS INSURANCE
Provides compensation for loss or damage to specified items of a portable nature arising from any cause. This includes accidental loss, damage or destruction arising from fire, theft, riot and strike, accidental breakage, water damage etc. Cover is suitable for laptops, mobile phones, cameras, projectors, POS, public address system, music system etc.
We Provide
MONEY INSURANCE
The policy insures against loss of money by robbery or theft whilst in the business premises, in transit from business premises to or from bank/ business outlets, cash in hands of authorized employees (salespeople) as well as cost of repairing or replacing damaged safe or strong rooms.
We Provide
FIDELITY GUARANTEE
The policy covers the employer against loss of money and/or stock through dishonest acts of employees.
We Provide
FIDELITY GUARANTEE
The policy covers the employer against loss of money and/or stock through dishonest acts of employees.
We Provide
WIBA INSURANCE
WIBA Insurance is compulsory by law by virtue of the provisions of Work Injury Benefits Act, 2007. Insurance provides protection to employees for work related injuries or disease contracted out of, and in the course of employment. Compensation is in respect of Permanent Incapacity, Temporary Incapacity, Medical Expenses and Capital Benefit for Death plus Funeral Expenses. Policy can be extended on a 24 hour basis.
We Provide
EMPLOYER’S LIABILITY INSURANCE
This policy indemnifies the insured person (employer) against the risk of prosecution by employees or their legal representatives. A court of law may award damages/sums to employee/employees as compensation, as a result of death or bodily injury arising out of the discharge of duties by the employee within the employment contract.
We Provide
EMPLOYER’S LIABILITY INSURANCE
This policy indemnifies the insured person (employer) against the risk of prosecution by employees or their legal representatives. A court of law may award damages/sums to employee/employees as compensation, as a result of death or bodily injury arising out of the discharge of duties by the employee within the employment contract.
We Provide
PUBLIC LIABILITY
This insurance provides cover against the risk of prosecution by third parties for legal liability following accidental death, bodily injury or illness. The policy also covers legal liability for damage to third party property as a result of activities of the business. The cover is in respect of all business premises owned or occupied by the insured person within Kenya.
We Provide
PROFESSIONAL INDEMNITY
Protects professionals from legal liability for any acts of negligence they may commit in the course of their duty.
We Provide
PROFESSIONAL INDEMNITY
Protects professionals from legal liability for any acts of negligence they may commit in the course of their duty.
We Provide
MACHINERY BREAKDOWN
Machinery Insurance is a type of accident insurance for machinery and covers sudden and unforeseen physical loss or damage to machinery whilst working, at rest or dismantling/ erection for inspection or repair. Excluding risks normally covered under a standard fire/perils policy.
We Provide
CONTRACTOR’S ALL RISK
This policy is specially designed to give financial protection to the Civil Engineering Contractors in the event of an accident to the civil engineering works under construction.
We Provide
CONTRACTOR’S ALL RISK
This policy is specially designed to give financial protection to the Civil Engineering Contractors in the event of an accident to the civil engineering works under construction.
We Provide
LIVESTOCK INSURANCE
This is a policy that indemnifies the insured against loss of livestock that may arise from death of insured livestock arising from accidental death.e.g epidemics, illness, disease of terminal nature, forceful heft in paddock/zero grazing, fire, calving and pregnancy, injury etc.