Motor Commercial

Running a transport or logistics business in Kenya is both an opportunity and a challenge. Whether you operate one delivery van or an entire fleet of lorries, you deal with risks every day—accidents, cargo damage, theft, liability claims, breakdowns, and operational delays. These risks can disrupt business continuity or cause financial losses that take years to recover.

That is where Motor Commercial General Cartage insurance comes in. This specialized insurance is designed for vehicles that transport goods on behalf of clients (hire and reward). Unlike private motor insurance, the risks involved in general cartage operations are higher—making tailored coverage essential.

At Step by Step Insurance Agency, we help transporters, logistics companies, SMEs, independent transporters, and corporates secure the right level of protection — ensuring every vehicle on the road has comprehensive, dependable coverage backed by Kenya’s top underwriters.

1. Understanding Motor Commercial General Cartage Insurance

What It Is

Motor Commercial General Cartage insurance is a comprehensive policy for vehicles used to transport goods that do not belong to the vehicle owner. This includes:

• Delivery vans
• Pickups
• Light trucks
• Medium and heavy commercial trucks
• Lorries used for courier or distribution work
• Corporate vehicles used to transport client goods

This insurance class is specifically tailored for general cargo movement, which exposes vehicles to frequent stops, heavy loads, long-distance routes, and unpredictable roads.

Who Needs It

You need this cover if you operate:

• A courier company
• A logistics or distribution company
• A moving company
• A fleet offering transport services to clients
• An independent transporter
• A business that delivers products to customers using company vehicles

In short, if you transport goods for someone else — you need Motor Commercial General Cartage insurance.

2. Why Motor Commercial General Cartage Insurance Is Essential

Transporting goods exposes your business to a range of risks. Every kilometre travelled comes with potential hazards. The right insurance protects your business from:

3. Core Benefits of Motor Commercial General Cartage Insurance

Motor Commercial General Cartage insurance provides several layers of protection. Here is a breakdown of what you typically get:

A. Protection Against Vehicle Damage

This covers:

• Accidental damage
• Collision damage
• Damage from overturning
• Damage during loading/unloading
• Fire-related damage
• Theft or attempted theft
• Vandalism

Commercial vehicles are constantly on the move, often under high operational strain. Having an insurance plan that covers accidental and non-accidental damage gives peace of mind and ensures fast recovery after unexpected incidents.

B. Third-Party Liability Cover

This is one of the most critical components. It covers:

• Bodily injury to third parties
• Death
• Damage to third-party property

For example: If your truck hits another vehicle, damages a perimeter wall, or injures someone, the liability is handled through your insurance.

C. Liability for Goods (Cargo)

Cargo liability ensures that if goods you are transporting on behalf of clients are lost or damaged due to insured risks, compensation is provided. This builds customer trust and protects you from costly disputes.

D. Cover for Accessories and Spare Parts

Vehicles may have:

• Tracking devices
• Tarpaulins
• Customized storage equipment
• Additional lighting
• Reinforced bodies

These are expensive. Good commercial policies include cover for these accessories.

E. Towing, Recovery, and Emergency Assistance

Commercial vehicles often operate far from urban centers. Towing and recovery services ensure the vehicle is safely brought to a garage or secure location when needed.

F. Medical Expenses for Driver and Crew

In case of an accident, policies may cover emergency medical expenses for the driver and loader/assistant — minimizing financial strain.

4. What Motor Commercial General Cartage Insurance Does Not Cover

Understanding exclusions helps you avoid surprises at claim time. Common exclusions include:

Avoiding these risks ensures smooth claims and policy validity.

5. Why Choosing a Broker Matters — The Step by Step Advantage

Insurance policies can be complicated, but working with Step by Step Insurance Agency simplifies everything. As a trusted, experienced broker in Kenya, we deliver the following key benefits:

A. Personalized Advisory

No two businesses operate the same way. We take time to understand:

• The nature of your cargo
• Routes you cover
• Number and type of vehicles
• Your risk exposure
• Your budget

We then match you with the most suitable policy options.

B. Access to Policies From Kenya’s Leading Underwriters

Instead of being limited to one insurer’s terms, we give you access to a wider selection of top-rated underwriters. This gives you:

C. Fast, Hassle-Free Insurance Processing

We assist you at every step:

• Document preparation
• Vehicle valuation (where needed)
• Policy issuance
• Endorsements
• Renewal reminders

Our goal is to ensure you are always covered — without delays or lapses.

D. Claims Support and Follow-Up

Filing and following up on claims can be stressful. We handle:

• Claim initiation
• Documentation guidance
• Coordination with assessors
• Follow-up with the insurer
• Ensuring you get fair compensation

This is one of our strongest value propositions because our clients never navigate claims alone.

6. The Step-by-Step Process of Getting Motor Commercial General Cartage Insurance

The process is simple, structured, and efficient.

7. Key Considerations When Choosing a Motor Commercial General Cartage Insurance Policy

To ensure you get the right cover, think about:

1. Type of Cargo You Transport – Fragile or high-value goods require expanded cargo liability cover.
2. Driver Experience and Training – Experienced drivers = lower risk and potentially lower premiums.
3. Route Risk Exposure – Urban routes differ from long-distance or rural routes. Insurance needs shift accordingly.
4. Frequency of Use – High-frequency vehicles need comprehensive protection.
5. Vehicle Value and Condition – Newer vehicles may need broader cover; older ones may require specific endorsements.
6. Budget vs. Risk Appetite – Balance affordability with sufficient coverage to avoid underinsurance.

8. Why Step by Step Insurance Is Your Trusted Partner

We have built our name on:

• Professionalism
• Customer-first service
• Fast processing
• Expert policy interpretation
• Long-term client relationships

Our clients include:

We help each one find the right Motor Commercial General Cartage insurance based on individual needs.

9. Our Commitment: Partnering With Kenya’s Best Underwriters for Tailored Solutions

At Step by Step Insurance Agency, we collaborate with Kenya’s top underwriters — ensuring you receive the best, most reliable, and most competitively-priced insurance solutions.

We do all the heavy lifting:

• Comparing quotes
• Reviewing coverage options
• Explaining complex terms
• Recommending the best value
• Handling documentation
• Supporting claims

Our partnerships allow us to tailor insurance solutions that align exactly with your business requirements.

10. How to Get Started — Contact Us Today

Secure your fleet. Protect your cargo. Safeguard your business.

Conclusion

Motor Commercial General Cartage insurance isn’t just a requirement — it’s a strategic investment that protects your business, strengthens trust with clients, and ensures consistent operations. With the rising risks in transport and logistics, having tailored, reliable coverage is essential.

By partnering with Step by Step Insurance Agency, you gain:

• Tailored policies
• Professional guidance
• Access to Kenya’s best underwriters
• Strong claims support
• Long-term protection

Your business deserves more than a generic policy — it deserves a trusted insurance partner who understands your operations and provides customized solutions built for real-world challenges.

Let’s protect your journey, your cargo, and your future — step by step.