Westlands
Fire and Burglary Insurance Kenya – Safeguard Your Business Assets from KES 15,000
Protect your commercial buildings, industrial machinery, electronic office hardware, and vital inventory from devastating structural fires and organized stock theft across Nairobi's prime commercial hubs and nationwide.
Premises Handover Ready: Fulfill commercial tenancy agreement terms instantly with clear corporate fire risk clearances.
Quick Product Summary
Get a bird's-eye view of our commercial asset protection structural metrics:
| Item | Details |
|---|---|
| Product | Commercial Fire and Burglary Insurance |
| Starting Price | From KES 15,000 (Subject to inventory valuation) |
| Quote Turnaround | 5 - 30 Minutes |
| Policy Issuance | Same Day |
| Claims Support | Dedicated Assistance Desk |
| Coverage Area | Kenya / Nationwide Protection |
| Payment Options | M-PESA, EFT, Cheque, Direct Bank Deposit |
01 / POLICY OVERVIEW
What is Commercial Fire & Burglary Insurance?
Commercial asset protection requires defending against two completely different physical risk profiles. This dual-layered insurance solution guards your commercial buildings, industrial machinery, office electronics, and vital stock against unexpected physical devastation or sudden criminal activities. It is designed to preserve your hard-earned business continuity, handle steep landlord requirements, protect against crippling liabilities, and deliver absolute peace of mind during emergencies.
Commercial Fire Insurance
Covers structural destruction or material damage to your owned or leased office premises caused by accidental electrical fires, gas explosions, lightning strikes, or bushfires. It covers the replacement cost of permanent building finishes, specialized partitioning, customized office furniture, and crucial physical documents.
Business Burglary Cover
Protects your company from financial loss following forceful, violent, or illegal entry into your business premises. This layer covers the immediate loss of high-value electronic equipment, server infrastructures, retail stock items, and the physical repair costs for broken glass panels, compromised safe vaults, and smashed security gates.
02 / AUDIENCE FOCUS
Who Needs Commercial Property Cover?
Whether you manage a high-density retail store, a sprawling storage depot, or a tech-heavy corporate headquarters, unexpected inventory losses can stall operations. We customize asset packages for:
- Tech Hubs & Corporate Offices: Shielding expensive server racks, developer laptops, boardrooms, and specialized network switches in Westlands, Kilimani, and Upper Hill.
- Wholesale Warehouses & Depots: Safeguarding bulk fast-moving consumer goods (FMCG), logistics assets, and heavy packaging machinery against coordinated break-ins.
- Retail Showrooms & Techstores: Insuring consumer electronics, high-end accessories, and display counters in highly active business zones like Nairobi CBD, Luthuli Avenue, and Tsavo Road.
- SMEs, Schools, NGOs, and Professional Firms: Protecting critical infrastructure, lab gear, data centers, and physical client records across the country.
What Does Commercial Fire & Burglary Insurance Cover?
Review the comprehensive asset protection items included in your policy benchmark:
| Benefit Description | Cover Status |
|---|---|
| Structural damage to buildings & permanent fixtures caused by fire/lightning | ✓ Covered |
| Loss of office electronic hardware, laptops, computer equipment & servers | ✓ Covered |
| Theft of trading inventory, finished retail stock items, and raw materials | ✓ Covered |
| Damage to premises during forced entry break-ins (broken windows, smashed security gates) | ✓ Covered |
| Destruction of specialized partitioning, customized layouts, and office furniture | ✓ Covered |
| Cost of replacing vital architectural blueprints and business physical documents | ✓ Covered |
Additional Benefits: Depending on the selected insurer underwriter, extended options such as political violence & terrorism (PVT) or business interruption cover can be attached to your policy at an extra premium estimate.
What Is Not Covered? (Common Exclusions)
To ensure transparency, policies operate under standardized corporate exclusions:
❌ Fraudulent acts or deliberate insider collaboration
❌ Theft or loss involving criminal activities by business owners
❌ Intentional loss, arson, or self-inflicted premises damage
❌ Undisclosed material facts during underwriting inventory logs
❌ Incidents or losses arising before policy inception or payment
❌ War, invasion, and general terrorism risks (unless explicitly extended)
How Much Does It Cost in Kenya?
Premiums are strictly computed as a competitive percentage of your total asset valuation balance:
| Cover Option | Premium From |
|---|---|
| Asset Valuation Up to KES 5 Million | From KES 15,000 / Year |
| Asset Valuation KES 5M – KES 15 Million | From KES 25,000 / Year |
| Asset Valuation Above KES 15 Million | Custom Premium Tiers |
We Work With the Following Leading Insurance Companies
We aggregate and compare premiums from Kenya’s highest-rated insurance underwriters to secure your optimal structural package:
Jubilee Insurance
APA Insurance
Britam
ICEA Lion
CIC Insurance Group
Documents Required to Sign Up for Cover
We streamline compliance setup checks. Gather these elements to finalize policy deployment:
Individual Applicants
- Duly completed and signed proposal form
- Clear copy of National ID Card or Passport
- Valid KRA PIN Certificate
- Proof of initial payment verification
Corporate Applicants
- Duly completed corporate proposal form
- Certificate of Incorporation or Registration
- Company KRA PIN Certificate
- Director's valid ID or Passport copy
- Product-specific detailed asset valuation inventory logs
- Proof of initial premium payment
Flexible Secure Payment Options:
M-PESA (STK Push / Paybill)
EFT / RTGS Transfer
Bank Cheque
Direct Bank Deposit
03 / BUSINESS CLAIMS PROCESS
How to Make a Claim & Common Scenarios
When physical disasters or thefts hit your workspace, fast response cuts down operational down-time. Our technical claims protocol works smoothly to get your business back on track:
STEP 01
Notify Agency Immediately
Contact Oakman Insurance Agency right after the event. In case of fire, call emergency response teams; for burglary, report to the nearest police station instantly to obtain an official police abstract report.
STEP 02
Complete Relevant Claim Form
Fill out the designated product loss claim document carefully, detailing the time, nature, and extent of the structural fire or forced breakthrough.
STEP 03
Submit Supporting Documents
Provide all requested item receipts, matching photos/videos of damage items, police abstracts, inventory stock records, and structural repair invoices.
STEP 04
Technical Claim Assessment
The partner underwriting insurance company sends certified loss assessors to audit physical entry impacts or fire ruins to determine replacement values fairly.
STEP 05
Prompt Claim Settlement
The insurance company approves and pays out your indemnity settlement subject to individual policy terms, enabling instant business restoration.
Common Product Loss Claim Scenarios
Scenario A: Central Business District Forced Break-in
A retail techstore located along Luthuli Avenue experiences a midnight break-in. Criminals dismantle security locks and smash glass screens, taking electronic stock valued at KES 2.4 Million. The policy replaces the lost tech inventory and pays for structural entry restorations.
Scenario B: Industrial Park Electrical Fire Layout
A wholesale warehouse tracking consumer goods undergoes an electrical power surge strike, sparking a fast-moving inventory blaze. The fire destroys structural partitioning and bulk inventory worth KES 7 Million. The policy reimburses full rebuilding and stock costs.
Service Turnaround Times for Our Customers
We pride ourselves on rapid operations. Look over our verified turnaround standard limits:
| Service Request Type | Guaranteed Turnaround Time |
|---|---|
| Quotation Request Comparison Matrix | 5 - 30 Minutes |
| New Policy Issuance Processing | Same Day Delivery |
| Policy Renewal Setup Checks | Same Day Processing |
| Insurance Certificate Delivery | Immediate Generation |
| Claim Registration & Onboarding Support | Within 24 Hours Only |
| Claim Status Updates & Tracking | Ongoing Dedicated Follow-Up |
| General Customer Support Response | Instant During Business Hours |
Why Buy an Oakman Fire & Burglary Insurance Policy?
Secure your corporate legacy with comprehensive benefits built for modern commerce:
✔ Complete financial protection against sudden, unpredictable asset losses
✔ Shielding of both corporate physical real estate and fluid retail store assets
✔ Absolute business continuity, keeping your workflow running smoothly after accidents
✔ Total compliance with strict commercial landlord tenancy agreement terms
✔ Enhanced security status and financial balance stability against deep liabilities
✔ Direct access to certified claims desk loss adjusters to clear payments quickly
Frequently Asked Questions (FAQs)
Get instant answers regarding commercial fire and burglary covers in Kenya:
Q: Can I buy Fire Insurance separately from Burglary Cover?
A: Yes, you can buy them independently. However, combining them under our single dual corporate asset policy saves substantial premium costs and removes critical coverage gaps between fire mishaps and structural theft events.
Q: How often should I review my asset inventory log valuations?
A: We strongly advise updating your valuations annually or right after buying major electronic gear or large bulk inventory quantities. This ensures you avoid being under-insured during a claims assessment.
Q: Does this cover individual employee laptops left overnight inside the office?
A: Yes, as long as those corporate assets are included in your active asset declaration logs when signing or updating your policy terms.
Providing Commercial Coverage and Quotes Across All 47 Counties
While our corporate base sits in Westlands, Nairobi, our modern digital infrastructure operates across every region in Kenya, delivering rapid quotations, policy issuance, remote claims registration, and renewals to hubs including:
Nairobi
Mombasa
Kisumu
Nakuru
Eldoret
Thika
Nyeri
Meru
We serve remote corporate entities, retail complexes, factories, and SMEs securely across all 47 counties in Kenya.
Request Your Commercial Asset Protection Quote Today
Do not sign restoration commitments or negotiate third-party repair fees without our team. Contact our technical commercial lines response desk for immediate support or premium estimates.
