Special Coverage Solutions

Professional Indemnity (Errors & Omissions)

• Retroactive coverage for prior work

• Extended reporting periods after policy expiry

• Legal defense costs included

Directors & Officers (D&O) Liability

• Defense and investigation costs

• Regulatory and statutory inquiry expenses

• Employment Practices Liability (EPL) extension

• Entity coverage option for SMEs and non-profits

Cyber & Electronic Crime

• Data breach response (cost of notification, IT forensics, legal advice)

• Ransomware and cyber extortion payments

• Business interruption from system downtime

• Fraudulent electronic funds transfer losses

• Reputation management and PR expenses

Our Specialized Lines

Environmental Liability Insurance

• Sudden and gradual pollution events

• NEMA and regulatory fines (where legally insurable)

• Cleanup and remediation costs

• Third-party bodily injury or property damage claims

Political Violence & Terrorism Insurance

• Property damage and fire resulting from political violence

• Business interruption (loss of profit and fixed costs)

• Debris removal and reinstatement costs

• Optional extensions for denial of access or contingent business interruption

Trade Credit & Surety Bonds

• Domestic and export credit protection

• Contractor’s performance bonds, advance payment bonds, bid bonds

• Political risk extensions for cross-border trade

• Tailored limits based on turnover and customer mix

Why Our Specialized Lines Stand Out

Deep expertise in complex and emerging risks

Access to specialty underwriters and reinsurers worldwide

Transparent policy wordings tailored to Kenya’s regulatory context

Dedicated advisory and claims advocacy through DCSA