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Protect your business, employees and property against the unexpected with Standard Chartered’s comprehensive range of insurance plans

Masthead banner business protection insurance

Protect your business, employees and property against the unexpected with Standard Chartered’s comprehensive range of insurance plans

Wide range of insurance plans

Our strategic alliances with major insurance institutions in the market provide you with a comprehensive range of business insurance solutions to meet your needs.


A comprehensive range of insurance solutions

Business insurance solutions to protect your business and employees
Fire and Special Perils Safeguards buildings owned by the business and their contents such as machinery, equipment, stock and furniture against damages caused by fire and Special Perils.
Business Interruption Cover for interruption to the business that causes a loss of income, but the interruption must be as a result of an incident under the Fire & Special Perils cover.
Burglary Insurance Covers against theft of property due to forcible and violent entry into premises/building.
All Risks Insurance Cover for your listed business items for loss or damage, unless otherwise specifically excluded.
Electronic Equipment Cover for sudden and unforeseen loss or damage to all Electronic equipment. Cover for increased cost of working and software is also available.
Political Violence and Terrorism Cover for physical loss or damage directly caused by one or more of the following perils occurring during the Policy Period; Act of Terrorism; Sabotage; Riots, Strikes and/or Civil Commotion; Malicious Damage; Insurrection, Revolution or Rebellion; Mutiny and/or Coup d’Etat; War and/or Civil War.
Comprehensive Motor Insurance Comprehensive Motor Coverage for Motor Private and Motor Commercial(Own Goods).Covers accidental damage, third party property damage and Thirds Party bodily injury.
Work Injury Benefit Act (WIBA) / WIBA Plus(24 hour cover) Provides indemnity to you in respect of your liability to pay compensation to employees under the Work Injury Benefit Act.
Employers Liability Provides and indemnifies you against legal liability in respect of any bodily injury or disease by accident sustained by your employees caused during the period of insurance and arising out of and in the course of employment by you in the business.
Public Liability Cover for any legal liability to third parties in respect of accidental death, bodily injury and/or illness and/or loss of or damage to property incurred in the course of your business.
Cash In Transit(Money Insurance) Cover for loss of money in transit and in premises, in safe and custody of authorized staff/director.
Goods in Transit Insurance Cover for goods whilst in transit and covers them from the risk of collision, overturning and theft whilst held in trust by the insured.
Fidelity Guarantee Covers the employer against loss of money and/or Stock resulting from dishonest acts of employees
Plate Glass Provides cover for accidental loss or damage to plate glass up to the insurance value.
Machinery Breakdown Cover is available for sudden and unforeseen physical loss or damage to machinery. The cost of repair or replacement of damaged machinery including incidental costs is included in the cover.


  • Business Insurance is a packaged product that covers your business against the various risks that may attach based on the cover option selected.

  • • Fire and Special Perils
    • Burglary
    • Public Liability
    • Money Insurance
    • Fidelity Guarantee
    • Goods In Transit
    • Electronic Equipment
    • All Risks
    • WIBA/WIBA Plus
    • Employers Liability
    • Plate Glass
    • Business Interruption
    • Political Violence and Terrorism
    • Machinery Breakdown

  • Any Standard Chartered Account holder.

  • • Negotiated products with competitive ratings and price.
    • Competitive product benefit offering and pricing
    • Assurance of support from the Insurance Service Provider

  • We are currently partnering with Sanlam General on this product.

  • The only acceptable payment modes are online payment, mobile banking, funds transfers and SCB cheques.

  • Get in touch with Sanlam General Insurance Company or walk into your nearest Standard Chartered Branch.

  • This section covers your employees against accidental injury during the course of work as stipulated in the Work Injury Benefit Act of Kenya.

  • This section covers your employees against accidental injury during the course of work as stipulated in the Work Injury Benefit Act of Kenya.

  • This section covers the employer against pecuniary loss resulting from fraud or dishonesty of employees during the course of employment.

  • • Money in transit
    • Money in premises
    • Money locked safe /drawer
    • Money with authorized staff/directors
    • Estimated Annual Carry

  • Goods belonging to the insured while being transported using owned/hired vehicles anywhere in Kenya.

  • Some of the perils covered include:
    • Fire Lightning, explosion
    • Earthquake
    • Storm, Tempest, flooding
    • Riot, Strike
    • Subterranean fire
    • Spontaneous Combustion
    • Political Risks and Terrorism(If selected)

  • An Excess/deductible is the first portion of a loss that is borne by the insured/client at the point of a claim.

  • The Fire section covers only buildings of first and second class construction(Walls made of Stone ,Concrete or Bricks with roofing made of Tiles or Concrete or Iron Sheets).

  • In case of inquiries kindly contact your insurance specialist or Kenya.Bancaheadoffice@sc.com

  • All relationship-managed clients of Standard Chartered can request for this advisory service.

  • All you need to do is call your Relationship Manager who will help set-up an appointment for you.

  • It will be useful if you can have with you a summary of your existing policies when you meet with our Insurance Specialist.

  • Our Life Insurance Solutions include:

    • Education plan
    • Family protection (Last expense insurance)

    Our General insurance products include:

    • Motor Private Insurance
    • Home Insurance
    • Motor Commercial(Own Goods)

Terms & Conditions


This solution is underwritten by Sanlam General Insurance Company Limited, who are liable for any loss arising out of the insurance products including payment of claims on this product. Insurance products are distributed through Standard Chartered Bancassurance Intermediary Limited (SCBIL), a wholly owned subsidiary of Standard Chartered Bank, and is regulated by the Insurance Regulatory Authority. Standard Chartered Bank Kenya Limited is regulated by the Central Bank of Kenya. Terms and conditions apply.