GA Insurance: Comprehensive Insurance Solutions in Kenya

Overview

GA Insurance, a prominent member of the I&M Bank Group since its acquisition in 2006, has been a trusted provider of insurance solutions in Kenya since its incorporation in 1979. As one of the 56 insurance companies licensed by the Insurance Regulatory Authority, GA Insurance, originally named General Accident Insurance Company, offers a wide range of personal and commercial insurance products tailored to meet diverse client needs. With a commitment to financial security and customer satisfaction, the company operates multiple branches across Kenya to ensure accessibility and personalized service.

Personal Insurance Products

GA Insurance provides a variety of personal insurance products designed to protect individuals and their assets from unforeseen risks.

1. Private Motor Insurance

This policy safeguards vehicle owners against financial losses and legal liabilities resulting from accidents, fire, theft, or malicious damage. It is available in three tiers:

Comprehensive Cover: Protects against third-party liabilities, property damage, and vehicle losses due to fire, natural disasters (e.g., floods), theft, accidents, and social unrest such as riots.
Third-Party Fire & Theft: Covers losses from accidental fire or theft, in addition to third-party liabilities.
Third-Party Only: Provides coverage for accidental damage caused to another person’s property, such as collisions with other vehicles.

2. Travel Insurance

Designed for individuals or groups traveling abroad, this policy offers protection against unexpected incidents, including medical emergencies, trip cancellations, delays, personal accidents, and loss of belongings.

3. Domestic Insurance

This policy covers households against risks such as fire, theft, accidental damage, and liabilities as owners or occupiers of residential properties. It also includes coverage for occupational accidents involving domestic staff.

4. Personal Accident Insurance

This product provides financial support in the event of serious injury or death caused by external, violent, and accidental means. Benefits are available for death, permanent total or partial disability, and temporary total disability.

5. Golfers Insurance

Tailored for golf enthusiasts, this policy includes:

Equipment Cover: Replaces golf equipment at its original purchase price in case of loss or damage.
Personal Liability: Protects against legal claims for property damage or injuries caused to others while playing golf.
Personal Accident: Offers compensation for serious injuries sustained on the golf course.
Hole-in-One Cover: Covers club-bar expenses incurred after achieving a hole-in-one.

6. Pet Insurance

This policy protects pets (e.g., dogs and cats) kept for companionship, covering veterinary expenses and other risks not related to economic gain.

Commercial Insurance Products

GA Insurance offers a robust suite of commercial insurance products to safeguard businesses from operational and financial risks.

1. Commercial Motor Insurance

Motorcycle Insurance: Covers repairs or replacement of motorcycles damaged in accidents or stolen, as well as liabilities for injuries or property damage caused to others.
Commercial Vehicle Insurance: Protects commercial vehicles against accidents, fire, theft, and third-party liabilities, with additional coverage for passengers.
Motor Trade Insurance: Covers motor traders and garages for risks associated with vehicle testing and movement from dealers to customers or bodybuilders.

2. Fire and Perils Insurance

Fire & Perils Policy: Covers property damage caused by fire, lightning, or explosions from domestic appliances.
Business Interruption Insurance: Compensates for lost profits due to property damage from fire.
Industrial All Risks Policy: Provides comprehensive coverage for all risks to industrial properties.
Stock Floater Insurance: Protects stock against various risks during storage or transit.

3. Accident Insurance

Burglary Insurance: Covers losses from theft involving forcible entry or exit from premises.
Fidelity Guarantee Insurance: Protects businesses against losses from employee fraud involving money, securities, or goods.
Goods in Transit Insurance: Covers property damage or loss during transit by road, rail, or air.
Money Insurance: Protects against loss of cash in transit, on premises, in safes, or with authorized personnel.
Work Injury Benefits Act (WIBA) Insurance: Covers workplace and off-duty injuries for employees.
Plate Glass Insurance: Compensates for accidental damage to glass at business premises.
All Risks Insurance: Offers broad coverage for various perils affecting business property.
WIBA Enhanced: Extends workplace injury coverage to include 24/7 protection.
Group Personal Accident Insurance: Provides compensation for employee injuries caused by accidental, violent, and external means.

4. Engineering Insurance

Boiler & Pressure Vessel Insurance: Covers damage to boilers, pressure vessels, and third-party property, excluding fire-related damage.
Contractors All Risks Insurance: Protects contract works, machinery, and materials on construction sites.
Contractors Plant & Machinery Insurance: Covers owned plant and equipment on an all-risks basis.
Deterioration of Stock Insurance: Protects goods in cold storage from deterioration or spoilage.
Electronic Equipment Insurance: Covers sudden and unforeseen damage to electronic equipment.
Erections All Risks Insurance: Protects machinery, plant, and steel structures during erection, installation, and testing.
Machinery Breakdown Insurance: Covers sudden damage to production machinery, generators, and other equipment.
Machinery Breakdown Consequential Loss: Compensates for profit losses due to machinery-related business interruptions.

5. Liability Insurance

Carriers Legal Liability Insurance: Covers losses or damage to property during transit, including temporary storage.
Directors and Officers Liability Insurance: Protects against losses from actions taken by company directors or officers.
Employers Liability Insurance: Covers employee injuries due to employer negligence or breach of duty.
Legal Contractual Liability Insurance: Protects against liabilities for property damage caused by employee negligence.
Professional Indemnity Insurance: Covers professionals for liabilities arising from negligent acts during duty.
Public Liability Insurance: Covers accidental death, injury, or property damage caused by business activities.
Product Liability Insurance: Protects against liabilities from defective or harmful products.

6. Marine and Aviation Insurance

Marine Cargo Insurance: Covers cargo during transit from origin to destination.
Marine Hull Insurance: Protects ships, boats, and yachts against physical damage and liabilities.
Aviation Insurance: Covers risks associated with aircraft operations.

7. Bonds Insurance

Miscellaneous Bonds: Supports pre-qualification and bidding for development projects.
Financial Guarantees: Covers bonds for development projects.
Custom Bonds Insurance: Ensures payment of government duties, taxes, and fees.

8. Political Violence and Terrorism Insurance

This policy protects against losses from terrorism, sabotage, mutiny, insurrection, rebellion, coups, riots, strikes, and civil commotion.

GA Insurance Branches in Kenya

GA Insurance operates several branches to provide accessible services across Kenya:

Head Office

Location: 4th Floor, GA Insurance House, Ralph Bunche Road, Nairobi
Contact: 0709 626 000

Westlands Branch

Location: 2nd Floor, The Westwood Building, Ring Road Parklands, Nairobi
Contact: 0709 626 000

Mombasa Branch

Location: Upper Mezzanine Floor, Biashara Building, Nyerere Avenue, Mombasa
Contact: 0709 626 000

Kisumu Branch

Location: Ground Floor, Bon Accord House, Temple Road, Kisumu
Contact: 0709 626 000

Conclusion

GA Insurance remains a reliable partner for individuals and businesses seeking comprehensive insurance solutions in Kenya. With a broad portfolio of personal and commercial products and strategically located branches, the company is well-positioned to meet the evolving needs of its clients while maintaining high standards of service and financial protection.