Comprehensive protection for your business assets, operations, and growth
At Clear Plan Insurance, we understand that your business is more than just a source of income—it's your passion, your investment, and your legacy. Our comprehensive business insurance solutions are designed to protect your enterprise from unexpected risks and ensure continuity in the face of challenges.
From small startups to established corporations, we offer tailored insurance packages that safeguard your assets, employees, and operations. Whether you're protecting physical assets, managing liability risks, or ensuring business continuity, our solutions provide the security you need to focus on growth.
Comprehensive coverage for your business premises, equipment, inventory, and other physical assets against fire, theft, and natural disasters.
Protection against third-party claims for injury or property damage arising from your business operations, products, or services.
Mandatory coverage under the Work Injury Benefits Act protecting employees against work-related injuries, disabilities, and occupational diseases.
Essential coverage for service-based businesses protecting against claims of professional negligence, errors, or omissions in service delivery.
Financial protection for loss of income and ongoing expenses when your business operations are disrupted due to covered events.
Modern coverage protecting your business against cyber threats, data breaches, and digital asset loss in today's connected environment.
The insurance you need depends on your business type, size, and industry. At minimum, most businesses require Property Insurance, Public Liability, and WIBA (if you have employees). Service businesses should consider Professional Indemnity, while businesses handling customer data need Cyber Insurance. We offer free consultations to assess your specific needs.
Yes, the Work Injury Benefits Act (WIBA) is mandatory for all businesses with employees in Kenya. Failure to have WIBA coverage can result in penalties and legal liabilities. The coverage protects both employers and employees in case of work-related injuries or occupational diseases.
Premiums are calculated based on several factors including your industry type, business size, annual turnover, number of employees, location, claims history, and the level of coverage required. Higher-risk industries typically have higher premiums. We provide customized quotes based on your specific business profile.
Yes, we offer comprehensive business insurance packages that bundle multiple coverages at discounted rates. Our Business Owner's Policy (BOP) combines Property, Liability, and Business Interruption coverage. Bundling often results in cost savings and simplified policy management with a single renewal date.
Common exclusions include intentional damage, wear and tear, war and terrorism (unless specifically covered), nuclear risks, and certain natural disasters depending on your location. Professional Indemnity typically excludes criminal acts and deliberate wrongdoing. Each policy has specific exclusions detailed in the policy document.
Get a customized business insurance quote today and secure your enterprise against unexpected risks.