What is Employers Liability Insurance ?

Employers Liability Insurance is a cover that protects your business if an employee suffers injury, illness, or death as a result of their job and decides to make a legal claim against you.

It helps cover legal fees, compensation payments, and related costs—so your business stays financially secure.

  • Legal fees and court costs
  • Compensation claims from employees
  • Settlements and damages awarded by courts
  • Negligence-related claims
  • Medical costs related to workplace injury disputes
  • Construction companies
  • Manufacturing industries
  • Transport and logistics firms
  • Retail and service businesses
  • Offices and corporate organizations
  • SMEs with employees
  • Protection against employee lawsuits
  • Covers legal defense costs
  • Safeguards business finances
  • Enhances workplace trust
  • Complements WIBA coverage

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    Erection All Risk (EAR)

    What is EAR?

    Erection All Risk (EAR) Insurance in Kenya protects your projects against financial loss during the installation and erection of machinery, plant, and equipment. This cover includes damage to equipment on site, installation works, and risks such as accidents, fire, theft, and operational errors during setup.

    Whether you’re installing machinery for a factory, plant, or large-scale project, EAR insurance ensures that unexpected issues don’t delay your operations. Instead of bearing the full cost of damage or reinstallation, this cover helps you recover quickly and complete your project with confidence.

    • Damage to machinery and equipment during installation
    • Accidental damage during erection and testing
    • Loss or damage due to fire, theft, or natural events
    • Faulty installation, human error, or mechanical breakdown during setup
    • Costs of dismantling, repair, and reinstallation
    • On-site equipment and temporary structures
    • Protects high-value machinery during installation
    • Reduces financial losses from unexpected delays
    • Keeps your project on track and within budget
    • Covers multiple risks under one policy
    • Gives confidence during complex installations
    • Contractors and installation specialists
    • Engineering and construction companies
    • Manufacturers setting up new plants
    • Businesses installing machinery or equipment
    • Project owners undertaking equipment installation
    • Tailored solutions for your business
    • Competitive group rates
    • Fast and reliable claims process
    • Expert support every step of the way

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