Accident & Liability Covers

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Liability & Injury Protection

Accident Risk Solutions by GRAVINSA Insurance Agencies

Protect your workforce, business premises, and personal safety against unforeseen accidental injuries and third-party liabilities with statutory and customized policies from GRAVINSA Insurance Agencies LTD.

Common Law Legal Protection

1. Employers Liability Insurance

GRAVINSA Insurance Agencies LTD structures Employers Liability policies to safeguard employers against legal suits and negligence claims filed by employees injured during duty under common law.

What this cover entails:

  • Indemnity for common law legal liabilities arising from workplace bodily injury or disease.
  • Defense costs, litigation expenses, and court award settlements.
  • Complements statutory Work Injury Benefits Act (WIBA) protection.
  • Customized indemnity limits scaled to company payroll and risk level.
24/7 Financial Protection

2. Personal Accident Cover

Secure financial relief against accidental death or disability. GRAVINSA offers flexible personal accident plans providing round-the-clock worldwide coverage for individuals and group members.

What this cover entails:

  • Lump-sum compensation in the event of accidental death or permanent total disability.
  • Weekly indemnity income replacement during temporary disablement.
  • Accidental medical expenses reimbursement including emergency hospitalization.
  • Funeral expense support riders following fatal accidents.
Third-Party Business Protection

3. Public Liability Insurance

Safeguard your business against claims made by visitors, clients, or members of the public who suffer accidental injury or property damage while on your premises.

What this cover entails:

  • Indemnity against third-party bodily injury or accidental property damage.
  • Legal defense fees and legal costs awarded against the business owner.
  • Coverage for commercial venues, retail shops, industrial sites, and events.
  • Product liability and food poisoning riders for hospitality businesses.
Statutory Compliance

4. WIBA (Work Injury Benefits Act) Insurance

Mandatory coverage under Kenyan law. GRAVINSA Insurance Agencies helps employers satisfy the statutory Work Injury Benefits Act requirements for all employees.

What this cover entails:

  • Statutory compensation for occupational accidental death (8 years' earnings).
  • Permanent total disablement compensation according to official medical scales.
  • Temporary total disablement income support during medical recovery.
  • Occupational medical expenses and artificial appliance support.
Accident Cover Inquiry

Get a Customized Quote

Select your required accident cover below and contact our underwriting advisors.