Insurance Features

Home protection for loss, damage or theft, including contents and electronics.

building bank

Free cover for home-owners’ liability cover up to UGX100M.

building home

Alternative accommodation during house repairs, and loss of rental income coverage.

  • Compensation for loss or damage to the property insured by perils indicated below
  • Fire, lightning, thunderbolt, earthquake, volcanic eruption or subterranean fire, storm, tempest or flood
  • Explosion of domestic appliances
  • Riot, strike and malicious damage
  • Aircraft and other aerial devices or articles dropped therefrom
    Bursting or overflowing of water tanks apparatus or pipes
    Cover for domestic employees
  • Personal liability either as an owner or an occupier of the premises
  • Loss or damage by theft to items covered under section 2 and 3
  • Accidental damage to the items insured under section 3

Section 1:


  • Residential building or apartment and perimeter walls gate houses
  • Rental Income

Section 2:


  • Insured to declare list of items covered and the nature of contents especially those whose sum insured is more than 5% of the total sum insured under contents

Section 3:

All Risks

  • All items must be declared and listed. Insured to provide the model numbers of mobile phones
  • Jewelry valuation certificate is submitted at inception of cover for items above UGX2,000,000

Section 4:

  • Owners’/Occupiers’ liability and employers liability
  • Tenant’s liability per event and aggregate – UGX100,000,000
  • Occupiers’/Owners’ liability per event and aggregate – UGX200,000,000
  • Cover for legal liability for injuries to employees

Section 5:

Workmen Injury Benefit Act

  • Death and permanent disability to domestic helper – 5-year earnings
  • Temporary total disability to domestic helper – actual weekly earnings, max 52 weeks
  • Medical expenses – UGX3,000,000
  • Funeral expenses – UGX1,000,000
  • Personal effects – UGX500,000

Occupational illness as per WC Act 2000

Section 6:

Personal Accident

  • Accidental Death/Permanent disability of insured or member of the insured’s immediate family – up to UGX8,000,000
  • Medical benefit following an accident up to UGX2,000,000

Section 7:


  • Cover for golf equipment
  • Cover for hole in one – up to UGX30,000,000
  • Third party liability – up to UGX50,000,000
  • Personal accident
  • Cost of alternative accommodation – UGX1,000,000
  • Cover for damage of contents in the freezer as a result of the risks mentioned in Section 2 – limit UGX500,000
  • Cover for fire fighting – reasonable costs
  • Cost of removing falling trees
  • Rent receivable – 10% of sum insured
  • Debris removal – 10% of sum insured
  • Political Violence and Terrorism
  • Building and Contents cover extended to included loss or damage arising from terrorism and political violence

Free additional benefit

  • Mechanical or electrical breakdown
  • Wear and tear, depreciation, atmospheric conditions
    Unexplained losses
  • Excess on buildings – 10% of claim amount minimum UGX100,000
  • Excess on contents/All Risks 10% minimum UGX200,000
  • Mobile phone excess – 10% minimum UGX200,000
  • Earthquake excess – 2.5% of sum insured

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Number: (+256)200524600 ,(+256)313294600

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