Our Covers
Cover Categories
Personal Insurance
Business Insurance
Employee Benefits
Speciality Insurance
Personal Insurance Covers
CAR INSURANCE
Feel safe on the road regardless of what you drive with our comprehensive car insurance cover. Comprehensive car insurance with no nasty surprises in the small print We provide an end-to-end policy that protects you against financial losses if your vehicle is involved in an accident, burnt, or stolen
TRAVEL INSURANCE
Our holiday insurance can be used to cover medical expenses, trip cancellation, delays, lost or stolen baggage, and personal liability. When you choose our travel insurance for your trip, there’s no more wondering ‘what if?’ There’s a policy for most types of travel so, whether you’re heading on a family holiday, a last-minute business trip, or jetting off on a few city breaks, we’ve got you covered.
RENTERS
Renter’s insurance is an affordable way to cover your belongings and protect yourself from unexpected damages and injuries.
Renter’s insurance covers all of your personal belongings (furniture, clothes, appliances, electronics, other valuables, etc.) if they are damaged or stolen. If someone is injured while visiting your fees can be covered.
FUNERAL EXPENSE
Death is a traumatic event, however, making plans ahead of time helps cushion yourself and your loved ones. Our plan gives you flexibility and makes planning for ‘the unknown’ easier and more affordable – no matter what your family looks like. We can also help you make the arrangements because no one should have to do it alone.
RETIREMENT
Rayabbay’s insurance retirement plan looks to clarify planning for retirement with frameworks that consider the uniqueness of your life. To ensure that your retirement is more than just a dot on the map, we help you create a plan (with a little room for unexpected pit stops) making retiring more than just a destination.
EDUCATION
There is no greater gift you can give our children than a secure future, and education is the key to that future. Education is a long-term expense. With the average Kenyan parent spending close to 20,000$ on the education of their children Our child education plans are tailor-made to place that key in your hand and unlock the door to a brighter future for your children.
MOTORCYCLE INSURANCE.
Riding on two wheels has never felt safer. Feel at ease whenever you’re on your bike knowing you’ve been insured today.Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. You can pick a range of coverage limits. This is similar to Personal Injury Protection coverage for vehicle motorists.
VALUABLE POSSESSION PLAN
Whilst your general house insurance policy will offer some cover for such items, there will be a limit on the value insured, which is likely to be below the actual value of the object.
Many households do not insure these items as they consider the risk of theft to be low. Nevertheless, whilst this may well be the case in most areas, around most of the claims concerning valuable objects arise from water penetration and damage.
Business Insurance
OCEAN MARINE INSURANCE.
Our marine insurance policies can be tailored to help address the unique exposures of your business, From ocean cargo insurance for importers and exporters to insurance for marine contractors and owners of pleasure crafts. Our marine liability coverages are available as a marine umbrella policy.
INLAND MARINE INSURANCE
Our inland marine insurance may help cover items that are typically excluded by property coverage, such as items of high value. The coverage helps meet the costs to repair or replace the covered property that is damaged due to covered events including theft, fire, wind, or water damage. This type of coverage may also include protection from damage or loss due to accident or mishandling, or in the event of an undetermined cause of missing property.
MACHINERY BREAKDOWN INSURANCE.
Machine breakdown can be catastrophic to a company, and dealing with the time and money it costs to replace or repair can be a daunting experience. Our machinery Breakdown policy is an ideal cover for all kinds of plant and machinery, to cover the cost of repairs or replacement of damaged parts as a result of unforeseen and sudden physical damages. The cover affords protection to the insured machinery whilst at work or at rest and also when they are being dismantled for cleaning, inspection, and overhauling or removal to another position or in the course of their operations or subsequent re‐erection.
COMMERCIAL UMBRELLA INSURANCE
Our umbrella insurance fills in the gaps of your existing insurance to give you total protection in the event of ‘the worst’ ever coming to your business insurance policies. Your commercial umbrella policy kicks in only if your main business insurance policy reaches the payout limit (as is with most insurance policies). At that time, the commercial umbrella policy would pay out the remaining costs.
WORK INJURY BENEFITS ACT INSURANCE
WIBA policy covers employees of the Insured whilst on duty and engaged in the execution of the Insured’s business and/or any project undertaken by the insured against accidental bodily injury, disablement, death or occupational illness. a combination of the workmen injury benefit act (WIBA) and Group Personal Accident (GPA) covers
BUSINESS AUTO INSURANCE
As a business owner, you need some of the same insurance coverages for the cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal purposes Our comprehensive commercial insurance covers any type of motor vehicle against accidental damage or overturning, Loss or damage by fire and theft, malicious damage, perils of nature e.g floods, earthquake, storms, hurricanes and third party liabilities – which provides indemnity to the insured for death or bodily injuries to third parties and/or passengers; and damage to property belonging to third-parties.
SME COMBINE POLICY INSURANCE
provides a wide range of insurance solutions for small- to medium-size (SME) businesses operating in a variety of industries.
We provide you with flexible insurance solutions, tailored to the specific and niche needs of your business due to our market-leading capacity,
GENERAL LIABILITY
We offer a range of general liability insurance products, covering personal or bodily injury, property damage, and pure financial loss. This includes public liability insurance cover for liability arising from our customers’ operations or premises to third parties, and product liability insurance for property damages or bodily injury caused by our customers’ products or work performed.
Employee Benefits
Work injury benefit act insurance.
We understand that your employees are your greatest asset. Accidents do happen in our places of work, why not protect your employees if you consider them valuable? Our WIBA policy covers employees of the Insured whilst on duty and engaged in the execution of the Insured’s business and /or any project undertaken by the insured, against death, disablement accidental bodily injury, or occupational illness.
GROUP LIFE INSURANCE
Group Life Cover is a benefit offered by an employer. These are standard group life policies that pay claims on the death or disability of a member.
Group Life Cover protects families and their assets at minimal cost to the policyholder. This is an annual cover, which will cost less than if they had to purchase an individual policy. This policy is ideal for corporate, parastatals and government agencies, SMEs, educational institutions, and religious bodies.
LONG-TERM CARE INSURANCE
While health insurance covers medical bills, it leaves all manner of costs for people to face if they suffer degenerative conditions or can no longer cope with everyday activities. Long-term care insurance policies are designed to cover costs for services such as home care, daycare, nursing homes, and respite care.
Long-term care insurance plans vary significantly when it comes to what types of care they cover and the trigger process by which they start paying out. Because of this, your business should consider taking expert advice to find
Disability Insurance
Disability Benefit: Payable on disability from illness (natural causes) or accidental. The amount payable is either a fixed sum or a multiple of the annual salary. The benefit is paid out as a lump sum to either the employer or the designated beneficiaries of the deceased employee.
Life and Accidental Death and Dismemberment Insurance
Life and accidental death and dismemberment insurance is designed to pay out to the employee’s financial dependents to make up some of the lost income if the employee dies. Depending on the policy, the coverage could last for a limited period, until the employee reaches retirement age or until they die regardless of when that is.
Accidental death and dismemberment insurance is a variation on life insurance, but it only pays out if the death is from an accident (or in some cases a homicide). It usually only pays out if the death happens while premiums are still being paid (similar to term life insurance)
Speciality Insurance
CYBER LIABILITY
Today almost every business is depending on their critical data. Data leaks and data losses can lead to regulatory fines and PR nightmares, while attacks could lead to shut-down servers and loss of both confidence and profits. we understand this and provide a package of protection that includes insurance and specialist advice.
Cyber Liability Insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs
EMPLOYMENT PRACTICE LIABILITY INSURANCE
Employment-related risks are among a business’s most potentially damaging exposures. Employers of all sizes face potential damage from employment practices liability lawsuits, with potential consequences that include financial disaster and/or irreparable damage to an organization’s reputation.
DIRECTORS AND OFFICER’S LIABILITY INSURANCE
Directors and Officers Liability Insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
Who is it for?
Mid to large-sized companies. Includes past, present, and future directors, officers, employees acting in a management or supervisory capacity, shadow directors, outside entity directors, spouses, administrators, and executors of insured’s estates.
PROFESSIONAL INDEMNITY INSURANCE
Nobody expects to make mistakes, but professional indemnity cover is on hand to safeguard your business if a client alleges there are faults in your work.
Professional indemnity insurance helps in several situations that might bring financial loss or reputational damage to your client.
KEYMAN LIFE INSURANCE
Key Man Life Insurance helps keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. The skills and knowledge of the senior staff as priceless, but if anything happened to them, the financial losses for your business could be very real.
CONSTRUCTION ALL RISK INSURANCE
A Contractors All Risks insurance policy consists of 3 main sections of cover:
• Contract Works • Public Liability Insurance • Employers’ Liability Insurance
The contract works section provides cover for the materials and property being worked on, the public liability covers your legal liability for third-party property damage and bodily injury, and employers’ liability insurance provides cover for bodily injury of employees.