GRAVINSA Insurance Agencies LTD

The core services we offer in Kenya are mainly comprehensive and cover the entire lifecycle of an insurance policy as the core function is to provide comprehensive, end-to-end policy lifecycle management for our clients.

Our Four(4) Main functions include:-

Risk Assessment & Policy Sourcing

The agency acts as a risk management advisor to analyze the client's unique risk profile. They compare the market to find the optimal policy from various Kenyan underwriters and recommend tailored coverage (e.g., motor, health, life) that aligns with needs and budget.

Policy Explanation and Customization

The agency provides clarity on complex policy terms, exclusions, and deductibles. They ensure correct customization by adding necessary endorsements or riders, and they facilitate the seamless application and premium process to place the policy "on cover."

Claims Management and Advocacy

This is the agency's most critical role post-loss. They guide the client on required procedures and assist in compiling necessary claim documents. They liaise with the insurer and follow up to ensure fair and timely settlement, acting as a direct advocate in dispute resolution.

Ongoing Policy Servicing and Review

The agency maintains continuous coverage by issuing timely renewal reminders. They process policy endorsements for changes (e.g., updating beneficiaries, increasing sums insured) and conduct periodic reviews to ensure the policy remains relevant to the client's evolving needs and regulatory changes.

We generally offer a diverse range of products across two main categories: General (Non-Life) Insurance and Long-Term (Life) Insurance.

Motor Vehicle Insurance

This is often the most common and includes covers for private cars, commercial vehicles, and motorcycles. The main types are Third Party Only (TPO), Third Party, Fire & Theft (TPFT), and Comprehensive Cover.

Health/Medical Insurance

Essential for managing high healthcare costs. It covers expenses for Inpatient and Outpatient treatment and can include features like maternity, dental, and optical care for individuals, families, and corporate groups.

Property & Fire Insurance

This protects physical assets against loss or damage from fire, theft, and other specified perils. Key products include Home Insurance (Domestic Package) for homeowners and tenants, and Fire & Perils Insurance for businesses and commercial buildings.

Life Assurance

These are long-Term policies that provide a financial payout to beneficiaries upon death of the insured or upon the policiy reaching it maturity.Types include Term Assurance, Whole life and endowment policies.

Accident & Liability Insurance

This covers risks related to personal injury and legal liabilities. Key products are Personal Accident (PA) Cover (for injury/disability), Work Injury Benefits Act (WIBA) Insurance (mandatory for employers), and Public/Professional Liability covers.

Commercial & Specialty Insurance

This focuses on protecting businesses. Examples include Marine Cargo Insurance (for goods in transit), Goods in Transit (GIT), Engineering Insurance (e.g., Contractors All Risks), and Business Interruption cover.

Pensions & Annuities

Agents in Gravinsa facilitate plans that help clients who are employed or self-employed and organizations save for retirement. This focuses on Individual Pension Plans, Occupational/ Group schemes and Annuities.