Westlands
NCA Compliance & Capital Indemnity Engineering
Construction & Engineering Insurance
Insulate your civils, structural builds, and government tenders from physical loss, liability exposure, and contractual performance defaults across Kenya.
![Large commercial construction site engineering framework fully protected by corporate underwriting and structural bond matrices](https://oakmaninsure.co.ke/wp-content/uploads/2026/05/construction-engineering-hero-1.png")
Contractors All Risk (CAR) Insurance
Your physical site environment faces relentless unpredictable hazards, from scaffolding collapses to sudden flood inundation. Contractors All Risk insurance forms the mandatory baseline layer of structural protection, shielding the permanent works, temporary components, and costly materials on-site.
- Material Damage Coverage: Covers structural works, site foundations, and building supplies against fire, floods, theft, and malicious vandalism.
- Third-Party Liability Shield: Protects your firm against legal expenses from accidental bodily injury or property damage to passersby.
- Plant & Machinery Extensions: Covers essential mechanical tools, excavators, and concrete mixers operating on-site.
![Engineering project managers reviewing blueprints on an active site secured under standard Contractors All Risk material policies](https://oakmaninsure.co.ke/wp-content/uploads/2026/05/contractors-all-risk-1.png")
Performance Bonds
Securing major commercial developments or public tenders in Kenya demands ironclad completion guarantees. A Performance Bond serves as a financial guarantee to your employer or project owner, verifying that your construction works will be executed fully to the specified contractual milestones and technical guidelines.
- Tender Compliance Validation: Satisfies strict county, state, and private employer bidding rules directly.
- Financial Security Lock: Secures institutional backup resources to protect the project developer from financial defaults or operational interruptions.
- Streamlined Underwriting Access: Accelerated asset assessment pipelines designed to deliver fast verification documents for your project bids.
WIBA for Construction Workers
Construction zones pose constant bodily injury and accident risks for your site labor. A standard workplace policy will not cover high-exposure construction hazards. Our specialized Work Injury Benefits Act (WIBA) solutions protect your engineers, casual laborers, and supervisors against unexpected site incidents.
- Statutory Health & Safety Compliance: Full alignment with Kenyan labor laws to protect against direct regulatory site closures.
- Medical Expense & Payout Release: Covers immediate medical costs, emergency ambulance handling, and temporary disability treatments.
- Occupational Disease Defense: Extends coverage to long-term site health exposures, including concrete dust inhalation or heavy sound damage.
Advance Payment Bond
When clients or project owners disburse early capital injections to help you procure building supplies and mobilize equipment, they need absolute protection for those funds. An Advance Payment Bond guarantees that these early financial disbursements will be utilized solely for the project scope, shielding developers from structural misuse.
- Procurement Liquidity Protection: Unlocks safe access to upfront cash lines required to purchase structural steel, cement, or heavy equipment.
- Employer Risk Indemnity: Guarantees full clawback or refund options if the contractor faces early operational defaults.
- Strategic Cash Flow Enhancement: Avoids freezing your operational cash reserves by using trusted third-party security profiles instead.
Active Engineering Claims & Verification Pipeline
When engineering milestones shift or on-site accidents occur, our fast-tracked claims processing keeps your projects moving forward smoothly:
STAGE 01
Immediate Site Loss Documentation
Halt high-exposure tasks immediately and log site conditions using clear photos within 24 hours of any machinery failure, physical site damage, or structural accident.
STAGE 02
Technical Assessment & Engineering Audit
Certified engineering risk managers visit the site coordinates to review blueprint metrics, evaluate equipment status, and record witness data entries cleanly.
STAGE 03
Liquidity Release & Reinstatement
Oakman processes the claim to quickly issue repair budgets, supplier payouts, or worker benefits, avoiding lengthy delays for your build timelines.
