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Home Insurance
- Can I own a home without domestic package insurance?
- Can I purchase domestic package insurance if I'm renting a house?
- How are claims paid under various Sections?
- How do I file a claim under domestic package insurance?
- How often should I review my policy?
- What information do I need to provide to my agent,broker or insurer when proposing or renewing cover?
- What is a standard domestic package insurance cover?
- What is domestic package insurance?
- What kind of domestic package cover is adequate?
- What should I do if I am leaving the house unoccupied for sometime?
- What type of insurance do I need for a house purchased through a mortgage?
- Which are the common types of misfortunes covered in a domestic package insurance?
- Why is it important to take a home inventory?
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Motor Insurance
- How do I file a motor insurance claim?
- How is the premium of motor insurance determined?
- Is motor insurance compulsory in Kenya?
- What are my rights when filing a claim?
- What are the different types of motor claims?
- What are the different types of motor insurance certificates in Kenya?
- What are the different types of motor insurance policies?
- What are the duties of insured person in the event of an accident?
- What are the duties of the insurance company in the event of a claim?
- What are the main documents required in settling a claim?
- What information is required when proposing for<br>insurance?
- What is motor Insurance?
- What should I do if I am involved in an accident?
- What should I do if I have a problem with claim<br>settlement?
- What steps are taken by an insurance company before a motor insurance claim is settled?
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Medical Insurance
- Am I insured while out of the country?
- Do I need to continue paying my monthly contribution to NHIF if I have medical insurance policy?
- Does medical insurance cover all hospital bills?
- Does my policy cover conditions existing before I took up the insurance?
- Does the policy cover all my children?
- Does the policy cover the insured in old age?
- How are medical bills paid?
- How do I apply for medical insurance?
- How do I benefit from NHIF membership?
- How will the hospital know that I am the insured?
- What happens in case of an emergency?
- What is medical insurance?
- Who does an in-patient policy cover?
- Who does an out-patient policy cover?
- Will the policy compensate me for all kinds of treatment that I receive?
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Agriculture Insurance
- Agriculture insurance underwriting and claims
- Challenges of crop insurance
- Index Based Livestock Insurance
- Index based weather insurance
- Introduction to agriculture insurance
- Livestock Insurance
- Other types of agriculture insurance
- Perils that affect the agriculture sector
- Poultry Insurance
- The International Agricultural Insurance Market
- Types of Crop Insurance
- What is Agriculture insurance?
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Aviation Insurance
- Aircraft Hull and Liability Cover
- Aviation Hull War and Allied Perils Cover
- Aviation Insurance Underwriting and Rating
- Introduction to Aviation insurance
- Laws Relating to International Trade or Carriage of Passengers by Air
- Loss Adjusting and Surveying Aviation Insurance
- The Aviation Insurance Market
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Business Interruption Insurance
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Common Factors in Property Insurance
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Emerging Issues and trends in general insurance
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Engineering Insurance
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Fire and Perils Insurance
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Liability Insurance
- Classes of liability insurance
- Directors’ and Officer’s Liability Insurance
- Employers Liability Insurance
- Introduction to liability insurance
- Legal Expense Liability Insurance
- Products LIability Insurance
- Professional Indemnity Insurance
- Public Liability Insurance
- Trustees’ Liability Insurance
- Work Injury Benefit Act (WIBA)
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Marine Insurance
- Arranging for marine insurance
- Effecting Marine Insurance market
- International Contracts of Sale(INCOTERMS)
- Introduction to Marine Insurance
- Marine Insurance and Trade
- Marine Insurance Claims
- Marine Insurance Policies
- Marine Insurance Underwriting and Rating
- Marine Perils
- Principles of Marine Insurance
- The marine Insurance Markets
Introduction to engineering insurance
The Insurance Act defines Engineering insurance as the business of effecting and caring out contracts of insurance of various perils arising out of plant and machinery, such as explosion and collapse of boilers, breakdown of electrical and mechanical plant and lifts and cranes and resultant of damage to the insured surrounding property and liability to third parties there from.
The policy covers a multiple of of risks, the cover available depends on the type of the plant insured. In general, the policy covers own breakdown of machinery and damage by extraneous causes. It also covers:
- Cost of repair of own surrounding property damaged by plant for example in the case of explosion.
- Breakdown of specific items of plant and machinery
- Legal liability for injury caused by damage to, or breakdown of specific items of plant and machinery.
- Inspection services of machinery.
Inspection Services
The statutory requirement for inspection is at the moment provided for under the Occupational Safety and Health Act(OSHA) 2007. The objective of the Act is to provide for safety, health and welfare of workers and all persons lawfully present at the work places and provide for the establishment of the National Council for Occupational safety and health, whose main duties are among others to;
- Formulate and develop a policy framework for national occupational safety and health
- Develop a strategy for promoting best practice for occupational safety
- Review the provisions of OSHA, rules and regulations, standards and the industry code of practice to ensure their continued relevance
The Act provides that every steam boiler, all its fittings and attachments shall be thoroughly examined by an approved person, at least once every once in every period of 12 months and also after modification or extensive repair, provided that the person carrying out any such examination may specify in writing a period exceeding twelve months but not exceeding such 15 months within which the next examination will be carried.
Provisions of the OSHA 2007
- Every cylinder for compressed, liquefied and dissolved gases and its fittings, shall be so designed as to be suitable for the particular circumstances of their use.
- Every refrigeration plant capable of being entered by an employee shall, have control valves situated outside the cold storage rooms and have all doors of cold storage room capable of being opened easily and quickly from inside and outside.
- Every steam boiler and all the fittings and attachments shall be of good construction, sound material, and adequate strength and free from patent defect, and shall be properly manned.
- Every lifting machine shall be of good construction, sound material and adequate strength and free from patent defect and shall be properly maintained.
It is a legal requirement that a report be issued in a prescribed format after every inspection, giving full details of the conditions of a plant plus any useful observation which may affect the conditions of safety and efficiency of the equipment.
The service is of an utmost value both to the insurer and the insured, in that the main object is to prevent the occurrence of mishaps by detecting incipient faults and arranging for their correction before they develop far enough to cause a breakdown. if this objective is achieved, the insurer is saved the cost of paying a heavy claim for repairs and damages and the insured in production. It is for this reason that insurers will undertake an inspection without insurance, but they will not undertake insurance without inspection, however, though accidents and damages can be minimized by proper care and maintenance, it is possible to eliminate such accidents.