//Accident & Miscellaneous -All Risk

All Risks


All Risks Cover – covers accidental loss, damage, or destruction from any cause, including fire, perils, and theft unless the cause is specifically excluded.



All Risks insurance has the widest form of cover available for property insurance.

  • Territorial limits include premises, country, regional, continental, and
  • All the risks included are covered.
  • The exclusions to be found in this class of insurance relate to: –
  • Risk for which insurance is generally not available or
  • Losses which are not accidental or expected and therefore the insured can plan for them.


Cover is extended to include.

  • Portable items and those that are prone to accidental damage.
  • Property insured must be specifically declared.
  • Pairs and Sets clause.
  • Replacement value/New for old – subject to policy terms and conditions
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First Assurance House,
Clyde Gardens,
Gitanga Road, Lavington