This policy provides cover against loss or damage to the hull, engines and accessories caused by perils of the sea, rivers, lakes or other navigable waters. It also covers loss by fire, theft, jettison, piracy, explosion, malicious acts as well as latent defects in hull or machinery and third-party liabilities on injuries and property damage.

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Marine Cargo Insurance covers the risks of loss or damage to goods and merchandise during transit by sea, rail, air or road.

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Immigration or security bonds are issued to non-Kenyans whose conduct the insurer guarantees. In case the insured displays poor conduct, the insurance company is obligated to pay the costs of deportation or the consequences of her or his bad conduct. Kenyans living in foreign countries are also required to secure such bonds upon travel.

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This is an undertaking by an independent third party, the Surety, to the owner that the contractor will perform in accordance with the terms and conditions of the contract, hence a Surety Bond is a three-party contract. The contractor requests the Surety to issue the Bond in favor of the principal. The contractor pays the premium for the Surety Bond but is not the beneficiary of the Bond. A Surety Bond is irrevocable and non-cancellable by the Surety. The Surety is committed to pay should default occur by the contractor.

Surety Bonds provide protection for the principal of a contract against the default of the contractor.

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