Over the Decades, Kenfident has elevated in leaps and bounds to its current status as an Insurance Broker wherewith our business Portfolio has widely broadened alongside our exquisite service delivery mechanisms. Below are the services we offer:
1. All Risks Policy
Provides indemnity against accidental loss or damage to specified items as a result of any cause within the geographic area specified. It includes theft, riot and strike, breakage and any other cause not excluded.
2. Fire & Allied Perils Policy
Provides indemnity against loss or damage to property caused by fire and lightening. However, the policy can also be extended to cover riots, strikes, malicious damage, storm, earthquake, impact by vehicles, aircraft and other aerial devices, subterranean fire, spontaneous combustion, explosion, flooding, water damage due to bursting or overflowing of water tanks, apparatus and pipes as well as Political Risks and Terrorism
3. Fire Consequential Loss Policy
Cushions against loss of Gross Profit, Wages and Salaries, Auditor’s fee, Loss of Rent or Rent payable as a result of loss or damage from fire and allied perils.
4. Burglary Policy
Provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises.
5. Marine Cargo Policy
Provides indemnity against loss or damage for goods being transported by sea or air and cross border land transportation.
6. Goods In Transit Policy
Provides cover for the loss or damage to various types of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy. Cover may be all risks or for specified perils and may be taken for specific consignments or annually.
7. Personal Accident Insurance
Provides for compensation for death, permanent disablement, temporary loss of income due to disablement and medical expenses arising from accidents on a 24hours basis.
8. Workmen’s Injury Benefit Act (W.I.B.A)
It covers the employer’s financial obligation under Work Injury Benefit Act to compensate workers injured out of and in the course of employment.
9. Employer’s Liability Policy
Covers any employee in the insured’s immediate service sustaining bodily injury by accident or disease caused during the period of insurance and arising out of and in the course of his employment by the insured in the business and directly related to negligence or breach of common law or statutory duty by the employer. The limit of compensation will be subject to the limit of liability under the policy.
10. Money Policy
This policy covers loss of money by robbery or theft whilst:
- In transit from your premises to the bank and vice versa
- In your premises during business hours.
- In your premises in locked safes / strong rooms outside business hours.
- In the hands of senior employees/authorized personnel of the company.
- Damage to safes and / or strong rooms
11. Fidelity Guarantee Policy
Fidelity implies faithful or loyal performance of a duty and a Fidelity Guarantee policy is an insurance against the results of dishonesty or disloyalty, both of which stem from lack of fidelity. Fidelity guarantee may be bought by any organization or person who may suffer as a result of dishonesty or failure in the loyal performance of duty. It therefore protects the employer against direct pecuniary loss and also loss of stock that the employer might sustain through acts of dishonesty by the employee in the course of his employment.
12. Plate Glass Policy
Provides indemnity to the insured against loss and/or damage/destruction to glass by accident or misfortune of a fortuitous character. Cover can be arranged for cabinet glass, displays, signs, fixed glass partitions or premises.
13. Golfers Policy
This policy covers for damage to equipment whilst at play, in club house, at professional shop, in locked vehicle boot, in transit temporary accommodation and at own home. The cover also extends to legal liability to third parties, compensation for personal injuries, medical expenses to caddies arising out of accidents whilst playing or practicing the game.
14. Contractors All Risk Policy
Provides protection to contractors against loss or damage to the contract works, plant & machinery and third party liability arising out of the performance of the contract.
15. Engineering / Machinery Breakdown Policy
Provides cover for perils to plant and machinery, e.g. Explosion, collapse, breakdown of electrical and machinery plants, cranes and lifts. Optional add on political risk and terrorism
16. Motor Insurance Policy
- Motor private
- Motor commercial
- PSV
- General Cartage covering
a) Third party
b) Third party fire and theft
c) Comprehensive Insurance
17. Professional Indemnity Policy
This cover is to indemnity the insured and his employees against any claims arising out of any neglect, omission or error committed in the conduct of his professional duty.
18. Public Liability Policy
The cover is designed to compensate an insured in respect to claims from the members of the public who may suffer losses due to negligence of the insured or that of his/her employees. The policy covers damages as well as the costs of a claim for injury or damage to property.
19.Domestic Package
It provides protection against loss or damage to private dwelling/buildings, household goods and personal belongings arising form fire, theft, riot and strike, malicious damage, floods, explosion, lightning and thunderbolt. It also offers personal liability against third parties to the insured and workmen’s compensation to domestic servants optional add political and terrorism.
20. Temporary Sports Medical Cover
A special policy in the event of a visiting team member(s) being injured while visiting the Country. The cover is for emergency evacuation, Temporary Hospitalization but not critical operations.