SME Business Insurance

We understand that protecting your business from unforeseen risks is the foundation of success. As a business owner, insurance is essential to help you and your business to deliver when it matters most. With this in mind, Stanbic Insurance Agency, in conjunction with Stanbic Bank has developed the SME BizSure - a new product specifically designed for small and medium enterprises (SMEs). SME BizSure is designed for SMEs with maximum assets of Kes. 5 million. SME BizSure minimizes the risk of being underinsured both at the business and personal level and eliminates the need to take out individual policies to cover different facets of your business. It also saves you time, because we do everything for you under our tailored SME BizSure Insurance Plan. This is an exclusive product to Stanbic Bank.

SME Short Term Insurance

This product seeks to assist business owners to secure their business against loss or damage caused by fire and other perils. The cover seeks to protect the business from multiple risks under one single policy for convenience and affordability.

The cover includes the following additional benefits: - 

  • Burglary cover for 100% of the Fire & Perils limit
  • All Risk cover for computers, electronic equipment, laptops, IPads, mobile phones and personal effects
  • Money cover for cash at office or in transit
  • Goods-in-transit cover
  • Public liability cover

The cover includes the following add on options:

  • Personal/Family Medical Insurance
  • Workmen Compensation – Work Injury Benefits (WIBA)
  • Employer Liability Insurance
  • Professional Indemnity Insurance
  • Marine Insurance
  • Motor Private/Motor Commercial Insurance
  • Commercial Building Insurance


SME Life Insurance

This product seeks to assist the business owner to leave behind a legacy for their family as well as for their business should the unforeseen happen to the business owner; their family could be left without an income, more so if the business owner is the breadwinner in the family.

SME Life Insurance seeks to protect the family and leave them with sufficient wealth to continue with their existing lifestyle. The cover has the following benefits: -

  • Life Cover from Kes. 500,000 up to Kes. 5 million
  • Permanent Disability benefit of 50% of the life cover
  • Critical Illness 50% of life cover benefit
  • Funeral benefit of Kes. 100,000. Benefit can include spouse and up to 6 children
  • Spouse included at 50% of the main life’s benefit amount
  • Annual Benefit increase 5% or 10% per annum to cater for inflation


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