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Tailored Business Risk Solutions

Comprehensive Enterprise Protection by GRAVINSA Insurance Agencies

At GRAVINSA Insurance Agencies LTD, we partner with leading Kenyan underwriters to structure bespoke commercial insurance covers. Whether you operate an SME, corporate office, manufacturing facility, or logistics fleet in Nairobi and across East Africa, explore our fully compliant solutions below.

Asset & Equipment Protection

1. All Risk Insurance

GRAVINSA Insurance Agencies LTD structures comprehensive All Risk policies to safeguard your firm's high-value, sensitive, or portable equipment against sudden, accidental physical loss or damage, both within premises and in transit across Kenya.

What this cover entails:

  • Protection for laptops, survey tools, diagnostic kits, audiovisual gear, and mobile devices.
  • Coverage against accidental damage, dropping, electrical breakdown, and theft.
  • Worldwide and regional territorial limits available for corporate travelers.
  • Repairs or total loss replacement guarantees under IRA-standard valuations.
Premises Security

2. Burglary & Theft Insurance

Shield your warehouse, retail store, or office space against property loss. GRAVINSA tailors burglary coverages that indemnify business owners for loss or damage to stock, raw materials, fixtures, and equipment resulting from forced entry or exit.

What this cover entails:

  • Indemnity for stolen stock-in-trade, office electronics, and raw materials.
  • Coverage for structural damage caused to doors, locks, or windows during a break-in.
  • Includes hold-up and robbery risks within commercial compounds.
  • Flexible premium structuring based on physical security measures implemented.
Aeronautical Risks

3. Aviation Insurance

Navigating commercial air mobility requires stringent regulatory compliance. GRAVINSA Insurance Agencies brings expert guidance to commercial charter operators, private aircraft owners, and drone operators in Kenya to mitigate high-exposure aviation risks.

What this cover entails:

  • Aircraft Hull & Machinery damage protection for ground and inflight incidents.
  • Passenger Legal Liability, cargo liability, and third-party property damage.
  • Commercial drone / UAV hull and third-party liability coverage.
  • Aviation crew personal accident and emergency medical assistance support.
Property & Asset Protection

4. Fire & Special Perils Insurance

Commercial assets form the core of your operational capital. GRAVINSA structures robust Fire and Special Perils insurance that covers commercial buildings, industrial machinery, office furniture, and inventories against environmental and accidental catastrophes.

What this cover entails:

  • Fire, explosion, lightning, and electrical bushfire coverage.
  • Special Perils including floods, storms, overflowing water tanks, and earthquake damage.
  • Protection against riot, strike, and malicious damage.
  • Optional Business Interruption / Loss of Profits add-ons to keep payroll active.
Motor & Logistics

5. Commercial Vehicle & Fleet Cover

Whether managing delivery vans, corporate staff cars, heavy commercial lorries, or PSVs, GRAVINSA Insurance Agencies LTD delivers competitive corporate motor solutions tailored for Kenyan road conditions.

What this cover entails:

  • Comprehensive cover for accidental damage, total loss, fire, and third-party liabilities.
  • Excess protector, political violence & terrorism (PVT), and windshield loss riders.
  • Fleet discounts and seamless digital vehicle valuation assistance in Nairobi.
  • 24/7 breakdown recovery and emergency towing support across major transit corridors.
Financial Safeguards

6. Money & Cash In Transit Insurance

Cash transactions remain an integral part of business operations in Kenya. GRAVINSA Insurance Agencies offers corporate cash protection covering liquid funds against theft, armed robbery, or loss while in transit or stored on business premises.

What this cover entails:

  • Cash in Transit (CIT) cover between business premises and local banking facilities.
  • Cash on premises during official business operating hours.
  • Cash stored inside locked safes, strongrooms, or vaults overnight.
  • Damage caused to safes and cash collection boxes during theft attempts.
Internal Risk Management

7. Fidelity Guarantee Insurance

Protect your bottom line against internal fraud. GRAVINSA Insurance Agencies helps corporate organizations and financial institutions secure indemnity against direct financial loss caused by fraudulent or dishonest acts by staff members.

What this cover entails:

  • Protection against employee embezzlement, fraud, forgery, and cash misappropriation.
  • Coverage for stock theft committed by named or un-named staff roles.
  • Audit expense cover incurred during internal investigation and discovery.
  • Bespoke limits built according to organizational risk profiles and internal controls.
Import & Cargo Freight

8. Marine Cargo & Goods In Transit

Fully aligned with Kenyan shipping regulations requiring local marine insurance placement, GRAVINSA provides complete Marine Cargo and Goods in Transit (GIT) covers for importers, exporters, and haulage contractors.

What this cover entails:

  • Institute Cargo Clauses (A, B, or C) covering air freight, sea cargo, and road transit.
  • Door-to-door transit protection from foreign ports of origin directly to Nairobi/Kenyan warehouses.
  • Indemnity against loss, theft, vessel sinking, container damage, and jettisoning.
  • Fast-track marine survey and claims resolution for commercial cargo.
Specialized Business Continuity

9. Political Violence & Terrorism (PVT)

Maintain business stability against unforeseen civil unrest or security threats. GRAVINSA Insurance Agencies equips commercial property owners and businesses with standalone or embedded PVT coverage across Kenya.

What this cover entails:

  • Coverage against physical property destruction resulting from political riots, strikes, and civil commotion.
  • Protection against acts of terrorism, sabotage, and insurrection.
  • Business interruption coverage resulting from loss of access to physical premises.
  • Essential safety net for high-value commercial buildings, shopping malls, and industrial complexes.
Workplace Legal Compliance

10. Employers Liability Insurance

Comply with Kenyan labor regulations while protecting your corporate brand. GRAVINSA Insurance Agencies LTD designs Employers Liability coverage that complements statutory WIBA policies to protect against common law legal suits by injured employees.

What this cover entails:

  • Indemnity for common-law legal liabilities arising from workplace accidents, injuries, or occupational diseases.
  • Legal defense fees, litigation costs, and award settlements incurred during legal suits.
  • Coverage extensions for corporate events, field visits, and duty travel within Kenya.
  • Flexible limit customization based on payroll size and occupational hazard categories.
Commercial Cover Inquiry

Request a Custom Policy Quote

Select your preferred commercial cover below and send your inquiry directly to the GRAVINSA Insurance Agencies advisory team either via WhatsApp or Email.