All Risks Insurance

All Risks Insurance in Kenya: Comprehensive Protection for Your Valuables

What is All Risks Insurance?

All Risks Insurance in Kenya provides broad coverage for accidental loss or damage to your valuable items from nearly any cause that isn’t specifically excluded in the policy. Unlike traditional insurance that only covers named perils, All Risks insurance takes the opposite approach – it covers everything unless specifically excluded.

This type of insurance is ideal for protecting portable valuable items such as:

  • Mobile phones and laptops

  • Cameras and photographic equipment

  • Jewelry and watches

  • Telephone systems and other electronic devices

The coverage applies whether the items are inside or outside your premises, offering protection wherever you go.

Key Features and Benefits

  1. Comprehensive Coverage: Protects against accidental loss, damage or destruction by all causes unless specifically excluded

  2. Flexible Protection: Covers items both within and outside your premises

  3. Clear Policy Terms: Straightforward formulation of terms and conditions

  4. Peace of Mind: Acts as a “sleep easy package” that avoids coverage gaps

  5. Purchase-Back Option: Some insurers allow you to buy coverage for certain exclusions you may want included

What’s Typically Covered

All Risks policies generally cover:

  • Theft and burglary

  • Fire and explosions

  • Riot and strike

  • Accidental damage

  • Natural disasters (unless specifically excluded)

  • Other sudden and unforeseen losses

Common Exclusions

While coverage is broad, standard exclusions include:

  • Damage from war or warlike operations

  • Civil commotion or acts by strikers

  • Nuclear radiation or contamination

  • Willful acts or negligence by the insured

  • Consequential losses

  • Mechanical/electrical breakdown (unless added)

  • Faulty design or workmanship

  • Wear and tear or gradual deterioration

Types of All Risks Insurance Available

  1. Personal All Risks: Covers individual valuables like electronics, jewelry, and portable devices

  2. Commercial All Risks: Protects business equipment and assets

  3. Contractors All Risks (CAR): Specialized coverage for construction projects, including:

    • Protection for contract works and construction equipment

    • Coverage against third-party claims

    • Protection from fire, theft, natural disasters, and other construction risks

    • Option to extend coverage to maintenance periods

Get Your Personalized Quote Today!

Contact us for a free consultation to discuss your insurance options and receive competitive quotes.

📞 Call now:+254 724 547669 | 💬 Chat: Whatsapp | 📧 Email us :info@annexinsurance.co.ke

Let us help you find the right coverage at the right price!