Tailored Insurance Offerings for You
Motor Insurance
Our motor insurance offers extensive coverage for your vehicle against theft, accidents, and damage. We provide tailored plans that cater to your driving habits and vehicle type. Enjoy peace of mind with our competitive premiums and fast claims processing. Whether you drive a private car or a commercial vehicle, we have solutions to keep you secure on the road. Our dedicated team is always ready to assist you with policy management and claims support, ensuring a smooth experience. Drive with confidence, knowing that we’ve got you covered.
Medical Insurance
Our medical insurance plans offer comprehensive coverage tailored to meet the health needs of individuals and families. Enjoy access to a network of quality healthcare providers across Kenya. We prioritize your well-being by providing coverage for hospital stays, outpatient services, and preventive care. Our flexible packages allow you to choose the level of coverage you prefer. With our efficient claims process, access to healthcare is hassle-free, giving you the peace of mind you deserve when it comes to your health. Trust us to be your partner in health protection.
Life Insurance
Our life insurance solutions are designed to provide financial security for your loved ones in the event of unforeseen circumstances. With various options to choose from, you can select a policy that fits your family’s needs and future goals. Our plans offer coverage for death benefits and can include savings elements to help you secure a brighter future. Trust our experienced advisors to guide you through options tailored to your life stage and budget. Protect your loved ones today, ensuring they have the support they need tomorrow.
Business Insurance
We offer a range of business insurance solutions designed to safeguard your enterprise. Our products cover everything from property damage to liability claims, ensuring comprehensive protection against risks your business may face. With options tailored to industries and business sizes, we help you protect your assets, employees, and profits. Our dedicated account managers provide insights to manage risks and ensure compliance with legal requirements. Enjoy competitive pricing with the added benefit of expert advice to navigate the insurance landscape effectively. Partner with us to secure your business’s future and growth.
Marine Insurance
This policy covers loss or damage to goods and/or merchandise in transit from one place to another by sea, air, rail, and road, and depending on the insured’s specific needs, different covers would normally exist:
A. Cargo Sure Marine Protection
Essential coverage for import/export businesses with flexible options for all shipment types.
COVERAGE OPTIONS:
✓ All-Risk (ICC A) – Broadest protection including theft/pilferage
✓ Basic Cover (ICC B) – Includes fire, collision, jettison
✓ Limited Cover (ICC C) – Most economical option
SPECIAL BENEFITS
✓ Port-to-Port+ – Extends 7 days post-discharge
✓ Climate Protection – Covers rain/freshwater damage
✓ Loading Risks – Includes crane/sling failures
Surety Guard Bond Solutions
In the current competitive business landscape, contractual guarantees make the difference between winning and losing opportunities. As your corporate insurance practitioner, QBE delivers comprehensive bond solutions that build trust while protecting your financial interests.
Core Bond Products
Bid Sure Tender Bonds
Guarantees contract acceptance after tender awards
Cures: 10% of contract value for withdrawn bids
Customs Sure Import Bonds
Covers unpaid duties for clearance delays
Special Feature: 30-day grace period extensions
Immigration Sure Security Bonds
Compliance guarantee for foreign workers
Includes deportation cost coverage
Perform Sure Contract Bonds
100% project completion guarantee
Bonus: Covers defect liability periods
Advance Payment Bonds
To secure an expected advance payment to a contractor for a Project.
Why Businesses Trust QBE
✔ Bank-Beating Rates: 20-35% lower premiums than direct bank guarantees
✔ Speed: Bonds issued within 24 working hours for repeat clients
✔ Sector Specialists: Construction, imports, and government contracts among others
✔ Claims Advocacy: Zero defaults
Fire Shield Business Protection
Your business property deserves robust, comprehensive coverage against fire-related risks. As a trusted corporate insurance broker, Vrinco negotiates tailored fire damage protection that goes beyond standard policies, ensuring your assets are safeguarded against unexpected disasters.
Key Coverage Benefits
Aircraft & Falling Object Damage – Protection against impacts from aerial devices or debris
Boiler & Gas Explosion Cover – Includes domestic-use equipment accidents
Bushfire & Wildfire Protection – Essential for properties near grasslands or forests
Fixtures & Fittings Safeguard – Covers permanent interior elements (e.g., lighting, shelving)
Flood & Storm Damage – Protection against water damage from severe weather
Inventory Protection – Covers stock-in-trade losses due to fire or smoke damage
Machinery & Equipment Cover – Secures essential operational assets
Malicious Damage & Riots – Protection against vandalism or civil unrest
Structural Reinstatement – Full rebuilding coverage for primary and secondary buildings
Subterranean Fire Risk – Rare but critical coverage for underground fires
Third-Party Impact – Covers damage from external vehicles or animals (excludes owned/controlled assets)
Water Damage Extension – Burst pipes, tank overflows, and related incidents
Secure Premises Burglary Protection
Break-ins can disrupt your business operations and finances. Vrinco delivers smarter burglary coverage that goes beyond standard policies to protect your assets, premises, and employees’ belongings.
Comprehensive Protection
✓ Asset Safeguard – Covers furniture, equipment, stock, and fixtures
✓ Data Restoration – Rebuilds critical records/digital files post-theft
✓ Debris Removal – Funds cleanup after break-in damage
✓ Employee Belongings – Protects staff personal property on premises
✓ Forced Entry Coverage – Loss/damage from violent break-ins
✓ Lock & Repair – Replaces compromised security systems
✓ Structural Damage – Repairs to premises from attempted theft
Cash Shield Money Protection
Cash handling exposes your business to significant risks, especially during transit. We deliver comprehensive money insurance that safeguards your cash flows against theft, damage, and violent crimes – both on-premises and in transit.
Complete Coverage
Assault Protection – Covers cash loss during violent confrontations (optional upgrade)
Collection Safeguard – Protects money in transit for 48hrs post-receipt
Payroll Transit Cover – Secures wages/salaries from bank to premises
Riot & Strike Cover – Losses during civil unrest events
Safe Deposit Guarantee – Covers cash in safes + damage from break-in attempts
Petty Cash Shield – Office cash reserves protection
Employee Integrity Shield
Employee fraud poses one of the most significant yet overlooked risks to businesses. As your trusted corporate insurance practitioner, Vrinco provides comprehensive fidelity guarantee coverage that protects your assets from internal dishonesty – no existing policy requirements.
Key Protections
Asset Theft Cover – Loss of stock, equipment or inventory due to employee theft
Cash Fraud Protection – Covers misappropriation of company funds
Defense Cost Coverage – Legal fees for fraud-related lawsuits (optional)
Document Fraud – Forgery or unauthorized document manipulation
Cyber Dishonesty – Electronic fund transfers by rogue employees
Why Vrinco Stands Out
✓ No Bundling Required – Standalone policy unlike competitors’ mandatory bundles.
✓ Tiered Coverage – From KES 500K for SMEs to KES 500M for corporates.
✓ Fraud Prevention Toolkit – Free staff vetting for policies above KES 10M.
✓ Period – Extended claim window after policy expiry.
Total Shield Protection
No business should gamble with asset protection. Vrinco Insurance All-Risk coverage provides the most comprehensive safeguard for your valuable property – covering accidental loss or damage anywhere, anytime, with fewer exclusions than standard policies.
360° Protection
Global Coverage – Protection extends worldwide
New-for-Old Replacement – Full-value compensation for specified items
Mysterious Disappearance – Covers unexplained losses (unlike named-peril policies)
Transit Protection – Assets covered during movement/transport
Industrial360 Protection Plan
Kenya’s industrial sector faces complex risks that demand smarter coverage. As your corporate insurance practitioner, Vrinco delivers comprehensive Industrial All-Risk protection that adapts to your operational realities – safeguarding both physical assets and profit streams.
Complete Coverage Matrix
Asset Protection
✓ Buildings & Machinery: Full reinstatement value coverage.
✓ Electrical Systems: Protection against surge damage.
✓ Stock Preservation: Market-value compensation.
✓ Transit Within Premises: Movement risk coverage.
Unique Risk Solutions
✓ Breakdown Cover: Boiler explosions & electronic failures.
✓ Business Interruption: Profit protection post-incident.
✓ Cold Chain Assurance: Spoilage prevention during outages.
✓ Natural Disaster Shield: Includes landslides & subterranean fires.
Glass Guard Protection
Modern storefronts and architectural glass face constant vulnerability in urban centers. QBE negotiates for a comprehensive plate glass coverage that protects your commercial spaces from unexpected breakage while minimizing business disruption.
Key Coverage Benefits
✓ Architectural Glass Replacement – Full-cost coverage for custom glass installations
✓ Emergency Board-Up Services – 24/7 temporary sealing protection
✓ Liability Protection – Third-party injury/damage claims from glass incidents
✓ Riot Extension – Optional civil unrest coverage
Transit Guard Cargo Protection
Businesses moving goods need smarter protection against transit risks. As your corporate insurance broker, QBE delivers flexible Goods in Transit coverage that adapts to your supply chain – whether by road, rail, or temporary storage.
Comprehensive Coverage
✓ Accident Protection – Overturned vehicles, derailments
✓ Climate Shield – Rain/water damage coverage
✓ Fire & Theft – Full-value compensation
✓ Storage Bridge – 72-hour warehouse coverage
✓ Vehicle Impact – Collision damage protection
Group Shield Accident Protection
Workplace safety extends beyond office hours. QBE’s Group Personal Accident coverage provides Kenyan employers with 24/7 protection for their teams – combining comprehensive benefits with broker-negotiated advantages.
24/7 Employee Coverage
✓ Capital Benefit – Up to 60x monthly salary for death/permanent disability
✓ Medical Support – Full hospitalization + ambulance coverage
✓ Recovery Benefits – 75% salary continuation during temporary disability
✓ Vocational Aid – Retraining grants for career-changing injuries
Golf Protect Elite Coverage
Golf should be about perfecting your swing, not worrying about risks. QBE negotiates specialized golf protection that covers players, equipment, and third-party liabilities across all Kenyan courses.
The comprehensive insurance coverage includes:
✓ Accident Protection: 24/7 coverage for golf-related injuries (e.g., errant ball impacts)
✓ Equipment Shield: All-risk coverage for clubs, carts & accessories (including theft at clubhouses)
✓ Hole-in-One Celebration: KES 50,000 towards traditional drinks/food (tax inclusive)
✓ Liability Safeguard: Up to KES 10M third-party protection for Player-caused injuries or Property damage (e.g., broken clubhouse windows)
✓ Personal Effects Cover: Theft protection for golf apparel/valuables in locker rooms
Personal Protection Plan
Life’s unexpected moments demand smart protection. As a trusted insurance practitioner, QBE offers flexible accident coverage that adapts to your lifestyle, providing crucial financial support when accidents occur – from minor home injuries to serious road incidents.
24/7 Comprehensive Protection (A-Z Benefits):
Death Benefit: Lump-sum payment to beneficiaries
Medical Coverage: Full reimbursement for emergency treatment including:
Hospital/surgical costs
Ambulance transfers
Essential dental/optical care
Permanent Disability: Full policy payout for career-ending injuries
Temporary Disability: Income replacement during recovery (up to 52 weeks)
Travel Insurance
For your ultimate companion for worry free travels, QBE has got your back! Experience comfort and serenity every step of the way, knowing that you are fully covered. We cover medical expenses, Lost luggage, Flight cancelation, delays among other losses one can incur while travelling.
Who can be covered?
✓ Any person between the age of six months and 80 years.
✓ A traveler within and outside Kenya.
✓ Tourists – while in Kenya.
✓ Persons on business trips.
What is covered?
✓ Emergency medical expenses.
✓ Compensation for lost personal property, money, or documents.
✓ Compensation for trip cancellations.
✓ Protection against hijacking or detention.
✓ Luggage protection.
✓ Personal liability coverage.
✓ Emergency assistance through our Assistance Company Alarm Centre (reverse charge calls accepted).
Home Shield Premier Insurance
For your ultimate companion for worry free travels, QBE has got your back! Experience comfort and serenity every step of the way, knowing that you are fully covered.AYour home deserves robust protection. QBE Insurance, as your trusted intermediary, negotiates tailored residential coverage from top insurers to safeguard your sanctuary against unforeseen risks. We cover medical expenses, Lost luggage, Flight cancelation, delays among other losses one can incur while travelling.
Key Protections
✓ All-Risk Cover: Accidental loss/damage protection for valuables.
✓ Building Protection: Covers structural damage from fires, storms, or vehicle impacts.
✓ Contents Safeguard: Replaces/repairs damaged furniture, electronics, and household items.
✓ Employer’s Liability: Legal coverage for domestic staff injuries.
✓ Natural Disaster Add-On: Optional flood/earthquake extension.
✓ Occupier’s Liability: Shields against visitor injury claims.
✓ Owner’s Liability: Covers third-party property damage due to negligence
✓ Rent Loss Coverage: Compensates for lost income if the property is uninhabitable.
Motor Private
Policy cover intended to provide protection to yourself and/or your vehicle.
What is covered?
✓ Accidental Damage
✓ Malicious Damage
✓ Theft
✓ Fire
✓ Third Party Liabilities
✓ Riot Strike and Civil Commotion
Floods
Additional benefits include;
✓ Towing Cover
✓ Drivers Personal Accident
✓ Emergency Medical Expenses
✓ Windscreen
✓ Stereo & entertainment unit
Individual & Family
Supporting your wellbeing by helping you achieve your health goals. At QBE, we don’t just wait to pay your medical bills, instead we commit to walk with you on your health journey and when you need the medical bills catered for, we will provide the necessary services to cater for your medical expenses.
Corporates & SMEs
This policy cover is a tailored Group Health Insurance for Businesses & Employees in large corporates as well as In SMEs. At QBE, we take the time to identify the risks facing each organization, and tailor a unique health insurance scheme to suit your personal and financial needs.
Protect Your Future with VRINCO Insurance Agency
Contact us now to explore tailored insurance solutions that safeguard what matters most to you.