Heritage Insurance Products and Branches in Kenya

Heritage Insurance, established in 1976 through the merger of Norwich Union Fire Insurance Society and The Legal and General Insurance Company, is a prominent subsidiary of Liberty Kenya Holdings Plc. As one of Kenya’s 56 licensed insurance companies regulated by the Insurance Regulatory Authority, Heritage has earned accolades, including the General Insurer of the Year at the 2019 Think Business Insurance Awards. Offering a diverse portfolio of insurance products for individuals and businesses, Heritage is a trusted provider across the country. This updated guide details its comprehensive offerings and branch network, providing clear insights for potential customers.

Heritage Insurance Products

Individual Products

1. Domestic Package
   A comprehensive policy protecting homes and contents against theft, fire, accidental damage, third-party liability, and occupational accidents for domestic workers, including employer liability under the Workmen’s Compensation Act.
2. Motor Insurance
   Tailored for private and commercial vehicles, with three coverage options:

• Third-Party Only: Covers third-party bodily injury and property damage, meeting mandatory requirements.
• Third-Party Fire and Theft: Extends coverage to include vehicle loss due to fire or theft, including partial theft.
• Comprehensive: Offers full protection, covering accidental damage, collisions, floods, earthquakes, and third-party liabilities.

1. Personal Accident Insurance
   Compensates for physical injuries caused by accidents, providing financial support for medical costs, disability, or death.
2. Travel Insurance
   Covers medical emergencies, trip delays, cancellations, hospital allowances, lost baggage, documents, money, and personal liability during international travel. Available packages include:

• Smart Plan Policy: Comprehensive coverage for individuals, families, groups, and frequent travelers.
• Budget Plan: Essential benefits for cost-conscious travelers, available for individuals, families, and groups.
• Annual Multi-Trip Cover: Cost-effective for frequent travelers, with no limit on trips per year (up to 180 days per trip).
• Student Policies: Tailored for students studying abroad, with coverage up to one year and a 25% discount on short-term trips (age limit: 40 years).
• Inbound Cover: For foreigners visiting Kenya, with a maximum of 45 days per trip and options for Smart or Budget plans.
• Corporate Travel Insurance: Offers Silver, Gold, Platinum, and Platinum Plus plans for businesses.
• Schengen Cover: Designed for travel to Schengen countries.

1. Sportsman’s Policy
   Protects sports enthusiasts, covering:

• Sports equipment repair or replacement due to theft or damage.
• Personal effects lost or damaged at sports venues.
• Third-party liability for accidents caused during play (excluding family or household members).
• Personal accident coverage for injuries sustained during play.
• Costs for achieving a hole-in-one during golf.

1. Trendsetter Policy
   An all-in-one package covering motor vehicles, pleasure boats, personal computers, legal costs, domestic workers, funeral expenses, accidents, building damage, household expenses, and personal liabilities.

Business Products

1. Group Personal Accident Insurance
   Compensates employees for accidental injuries resulting in death or disability, offering financial protection for businesses and staff.
2. Medical Insurance
   Flexible healthcare solutions for businesses, public sector organizations, and SMEs:

• Heritage Flexi: Allows customization of medical benefits, administered per person or family, covering East Africa with residency in Kenya.
• Blue: Comprehensive health benefits for employer groups across Africa.
• Blue Core: Inpatient-only cover for hospitalization, chronic care, and major diseases, ideal for young, healthy populations.
• Blue Lite: Covers outpatient, inpatient, chronic care, and major diseases for families in Kenya.
• Blue Classic: Comprehensive coverage across East Africa, including international emergency evacuation.
• Blue Plus: Extends coverage to Africa, with emergency evacuation and treatment in India when necessary.
• Blue Elite: Worldwide coverage for frequent travelers and expatriates, including emergency evacuation.

1. Work Injury Benefits Act (WIBA) Protection
   Compensates employees for work-related injuries or diseases, ensuring compliance with legal requirements.
2. Employer’s Liability Insurance
   Protects employers against legal liabilities for employee lawsuits under Common Law related to workplace injuries or damages.
3. Agriculture Policy
   Covers livestock, greenhouses, and forestry against natural calamities, malicious damage, wild animal attacks, riots, strikes, and civil commotion.
4. All Risks Policy
   Protects mobile items like cameras, laptops, and personal baggage against fire, theft, or accidental damage not explicitly excluded.
5. Bonds Insurance
   Guarantees performance or obligations, including customs bonds, immigration/security bonds, performance/contractor’s bonds, tender/bid bonds, and financial guarantee bonds, with Heritage acting as guarantor.
6. Burglary/Theft Insurance
   Compensates for property stolen from business premises.
7. Consequential Loss Insurance
   Covers lost profits and ongoing wages due to business interruptions caused by fire damage to insured property.
8. Contractors All Risks Insurance
   Protects contract works, contractor’s plant, machinery, and materials against fire, burglary, floods, earthquakes, and accidental damage.
9. Carriers Liability Insurance
   Covers legal liability for loss or damage to goods in transit by road, rail, or other specified means.
10. Electronics Insurance
    Protects office or medical electronic equipment (e.g., computers, X-ray machines, PABX) against sudden physical loss or damage.
11. Fidelity Guarantee Insurance
    Covers losses from employee dishonesty or fraud involving money or goods.
12. Fire & Perils Insurance
    Protects property against damage from fire, lightning, or domestic appliance explosions.
13. Glass Policy
    Compensates for broken fixed glass at business premises due to insured perils.
14. Goods in Transit Insurance
    Covers goods from departure to delivery against loss, destruction, or damage during transit.
15. Industrial All Risks Insurance
    A comprehensive policy covering fire, theft, accidental damage, and loss of profits, excluding specific risks outlined in the policy.
16. Machinery Breakdown Insurance
    Protects machinery against sudden physical loss or damage.
17. Marine Insurance
    Covers goods in transit by air or sea from warehouse departure to final destination.
18. Money Insurance
    Covers loss of cash during business hours, in safes, in transit, or in employee custody, plus damage to safes during theft attempts.
19. Motor Insurance
    Offers third-party only, third-party fire and theft, or comprehensive coverage for commercial vehicles, as described under individual products.
20. Terrorism Insurance
    Covers physical damage and business interruption costs from terrorist acts, targeting hotels, lodges, real estate, and high-rise buildings.

Heritage Insurance Branches in Kenya

1. Head Office

• Location: Liberty House, Mamlaka Road, Nairobi
• Contact: +254 20 278 3000, +254 711 039 000, +254 734 101 000

1. City Center Branch

• Location: Lonrho House, Mezzanine 2, Standard Street, Nairobi
• Contact: +254 20 222 6426, +254 20 225 1414

1. Stanbic Bank Branch

• Location: Purshottam Place, Chiromo, Nairobi
• Contact: +254 20 326 8469, +254 722 376 269

1. Thika Branch

• Location: Zuri Centre, 4th Floor, Kenyatta Highway, Thika
• Contact: +254 67 20406

1. Naivasha Branch

• Location: CfC Heritage House, Moi Road, Naivasha
• Contact: +254 50 2020 466, +254 50 2020 673, +254 773 372 547

1. Nakuru Branch

• Location: Polo Centre, Tom Mboya Street, Off Kenyatta Avenue, Nakuru
• Contact: +254 51 221 3776

1. Embu Branch

• Location: Maathai Supermarket, Next to Equity Bank, Embu
• Contact: +254 68 223 1507, +254 711 039 000

1. Meru Branch

• Location: Nakumatt, Mwitu Centre Building, Meru-Nanyuki Road, Meru
• Contact: +254 64 313 0710

1. Nanyuki Branch

• Location: Silver Plaza, Ground Floor, Nyeri-Nanyuki Road, Nanyuki
• Contact: +254 62 31915

1. Eldoret Branch
   • Location: Imperial Court, Waiganjo Street/Uganda Road, Eldoret
   • Contact: +254 53 206 2532, +254 773 372 546
2. Kisii Branch
   • Location: Royal Towers, 2nd Floor, Hospital Road, Kisii
   • Contact: +254 58 203 0540
3. Kisumu Branch
   • Location: 1st Floor, Tuffoam Mall, Jomo Kenyatta Highway, Kisumu
   • Contact: +254 57 202 3125
4. Mombasa Branch
   • Location: Social Security House, Nkrumah Road, Mombasa
   • Contact: +254 41 222 4724, +254 41 231 6638, +254 773 372 548

Notes:

• Product details, coverage limits, and premiums may vary. Contact Heritage Insurance directly or visit www.heritageinsurance.co.ke for personalized quotes and policy terms.
• Some policies, such as travel or specialty insurance, may have specific eligibility criteria or additional options.

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