General Insurance Solutions

Most insurance programs do not fail at purchase.
They fail at the moment of claim.

At Dovenest, we approach insurance differently. We diagnose risk, structure cover, negotiate service standards and actively steward claims outcomes. Your protection is not just in place — it is positioned to perform when tested.

A Critical Distinction

Before You Choose Cover

A critical distinction most organisations miss when approaching insurance.

Renewal is administrative continuity, not risk clarity

Unchanged policies can conceal evolving exposures

Price comparisons rarely reflect claims experience reality

Effective insurance is not about having a policy. It is about how that policy responds under pressure.

Every Solution We Structure Follows a Disciplined Advisory Framework

01

Risk Mapping

We identify actual exposures across operations, assets, people and third-party interactions.

02

Cover Structuring

We align insurance design to operational realities, not assumptions or off-the-shelf programs.

03

Underwriter Engagement

We negotiate terms, extensions and service-level commitments upfront.

04

Claims Stewardship

We remain actively involved to ensure claims are handled promptly, fairly and in line with agreed expectations.

Property & Operational Continuity

Protection for physical assets and the income they support.

Fire & Allied Risks

Structured to protect buildings, plant, equipment and stock against defined perils such as fire, explosion and related damage.

Property & Industrial All Risks

Broader protection against accidental damage and complex operational exposures across your physical assets.

Business Interruption

Safeguards income and operational continuity following insured events that disrupt normal business activity.

Engineering & Equipment Covers

Protection for machinery, construction works and critical systems where failure directly impacts operations.

Mobility & Fleet Risk

Structured protection for vehicles supporting both personal and commercial activity.

Motor (Private & Commercial)

Cover designed around usage, exposure and asset value, not just statutory requirements.

Fleet Solutions

Consolidated programs for organisations managing multiple vehicles with a focus on control, efficiency and claims coordination.

Specialized Vehicles

Protection for logistics, PSV, plant and sector-specific mobility risks that require tailored underwriting.

Liability & Balance Sheet Protection

Where third-party exposure exists, liability risk follows.

Public & Products Liability

Protection against claims arising from injury, damage or defective products affecting third parties.

Employers Liability / Work Injury

Structured to address statutory obligations and workplace risk exposures for your workforce.

Professional Indemnity

Designed for advisory and service-based roles where errors or omissions carry financial consequences.

Directors & Officers Liability

Protection for leadership against personal exposure arising from governance and decision-making responsibilities.

Financial & Internal Risk

Exposure is not always external. Internal and financial risks require equal discipline.

Fidelity Guarantee

Protection against employee dishonesty and internal fraud that can expose organisations to significant financial loss.

Money Insurance

Structured safeguards for cash handling, transit and storage operations across your business.

Political Violence & Terrorism

Protection against disruption arising from political or external instability affecting operations.

Trade Credit

Ensures business continuity where customer default impacts cash flow and receivables.

People & Personal Risk

Protection structured around individuals, families and organised groups.

Personal & Group Accident

Financial support following accidental injury, disability or death for individuals and organised employee groups.

Travel Insurance

Global protection covering medical emergencies, disruptions and unforeseen travel risks locally and internationally.

Home & Domestic Package

Integrated protection for residential property, contents and personal liability in a single structured cover.

All Risks (Portable Items)

Cover for high-value personal items exposed to movement and daily use, including equipment and valuables.

Specialized & Emerging Risks

As risk evolves, so must protection.

Marine Cargo

Protection for goods in transit across local and international supply chains against loss or damage.

Cyber Risk

Cover for digital exposure including data breaches, ransomware and operational disruption from cyber incidents.

Event Insurance

Structured protection for planned events with financial and liability exposure from cancellation or third-party claims.

Agricultural Insurance

Risk solutions for crops, livestock and weather-dependent operations facing environmental and production risks.

Structured Packages for Growth

Simplified, bundled solutions for efficiency without compromising protection.

SME Combined Solutions

Integrated cover combining property, liability and operational risks into a single, manageable program for growing businesses.

Office & Retail Packages

Tailored for business environments with predictable but critical exposures across contents, liability and business interruption.

Solutions by Sector

We structure programs aligned to how different sectors operate, not just what they own.

Regional & Intergovernmental Organisations Transport & Logistics Networks Schools & Learning Institutions Welfare & Member-Based Schemes SMEs & Growth Businesses

Insurance should not be guesswork

Let us structure a solution aligned to your actual risk profile and operational priorities.

Get a structured review of your current cover and identify gaps before they become exposures.

Terms, conditions, exclusions and limits apply. This information is for guidance only and does not constitute a contract of insurance. Full policy wording is available upon request. Dovenest Insurance Brokers Ltd is a licensed intermediary regulated by the Insurance Regulatory Authority of Kenya.