Britam Fire and Burglary Insurance

Unexpected disasters like fire or burglary can devastate your home or business, causing financial loss and emotional stress. In Kenya, where such risks are ever-present, having a reliable insurance cover is essential for peace of mind and financial security. Britam Fire and Burglary Insurance is designed to provide affordable, flexible, and robust protection against these perils, ensuring you can recover quickly and get back on your feet after a loss.

What Is Britam Fire and Burglary Insurance?

Britam Fire and Burglary Insurance is a simple, affordable policy that covers loss or damage to your property caused by fire, lightning, and burglary. This cover is available for both individuals (homeowners and tenants) and businesses, making it a versatile solution for anyone looking to protect their premises and contents.

Who Can Take This Cover?

• 🏠 Homeowners and tenants
• 🏪 Business owners (small, medium, or large enterprises)
• 🔒 Anyone seeking to protect their property and valuables from fire and theft

What Does Britam Fire and Burglary Insurance Cover?

Core Coverage

• 🔥 Fire and Lightning: Covers loss or damage to property caused by fire or lightning strikes.
• 🔓 Burglary: Covers loss or damage due to theft involving forcible or violent entry or exit from the premises.
• ⚕️ Personal Accident: Fixed payout in case of accidental death or permanent total disability, as per the cover option chosen.

Business Interruption (Optional)

• 🏢 Due to Fire & Other Perils: Lump sum payout as per the cover option chosen.
• 🏥 Due to Hospitalisation: If the insured is hospitalized for at least 5 consecutive nights, a lump sum payout is made as per the cover option.

Additional Features

• 📋 Flexible Benefit Options: Choose the sum insured and benefit options that suit your needs and budget.
• 💵 Upfront Premiums: Fixed premiums quoted upfront for transparency and easy budgeting.
• 🧹 Debris Removal: Covers costs for demolition and removal of debris after a covered loss.
• 🚒 Fire Brigade Charges: Covers municipal or local authority charges for extinguishing fires.
• 📝 All Other Contents: Includes coverage for documents, manuscripts, business books, employees’ personal effects, and more (within policy limits).
• 🔄 Reinstatement of Loss: Policy remains in force for the full sum insured after a loss, subject to payment of additional premium.

How Are Claims Paid Out?

Base Benefit Pay-out

Claim Type	Pay-out Calculation	Excess Limit
Fire & Other Perils	Lower of actual damage or benefit limit	10% of claim amount (Min: KES 1,000 for Option 1; KES 5,000 for Options 2-5)
Burglary	Lower of actual damage or benefit limit	10% of claim amount (Min: KES 1,000 for Option 1; KES 5,000 for Options 2-5)
Personal Accident	Fixed amount as per cover option	Not Applicable

Optional Benefit Pay-out

• 🏢 Business Interruption (Fire & Other Perils): Lump sum payout as per the cover option chosen.
• 🏥 Business Interruption (Hospitalisation): Lump sum payout if hospitalized for 5 consecutive nights or more, as per the cover option.

Exclusions – What Britam Fire and Burglary Insurance Does NOT Cover

• ❌ Excluded Businesses: Banks, forex bureaus, jewellery shops, manufacturing premises, beer/tobacco dealers and distributors, open air markets.
• ❌ Fraudulent Claims: Any fraudulent claim or use of fraudulent means/devices forfeits all benefits under the policy.
• ❌ Double Insurance: Loss or damage already covered by another policy.
• ❌ Confiscation: Loss following confiscation by local authorities or damage by order of legally constituted authority.
• ❌ Self-Inflicted Damage: Loss or damage to property due to its own fermentation, natural heating, spontaneous combustion, or undergoing any heating or drying process.
• ❌ Cash and Securities: Loss of cash, currency, bank notes, or securities of any kind.
• ❌ Rent Receivable/Payable: For the insured building.
• ❌ Goods Held in Trust or on Commission: Not covered.
• ❌ Illegal Trade: Any loss or damage arising from illegal activities.

Key Benefits of Britam Fire and Burglary Insurance

• 💰 Affordable and Flexible: Suitable for individuals and businesses, with benefit options tailored to your needs.
• 🛡️ Comprehensive Protection: Covers both fire and burglary, plus optional business interruption and personal accident cover.
• ⚡ Quick Recovery: Ensures you can repair, replace, or rebuild quickly after a loss.
• 😌 Peace of Mind: Know that your property and valuables are protected against two of the most common risks.
• 📝 Simple Application: Easy to apply, with fixed premiums and clear benefit options.

Who Should Consider Britam Fire and Burglary Insurance?

• 🏠 Homeowners and tenants wanting to protect their homes and belongings.
• 🏪 Business owners needing to safeguard premises, stock, and equipment.
• 🏢 Landlords and property managers seeking to protect rental properties.

How Step by Step Insurance Supports You as an Intermediary

Step by Step Insurance is your trusted partner in securing Britam Fire and Burglary Insurance. Here’s how we help:

• 👥 Personalized Consultation: We assess your property and risk profile to recommend the right sum insured and benefit options.
• 📋 Application Assistance: Our team guides you through the paperwork for a smooth and quick application process.
• ⚙️ Policy Customization: We help you add optional covers like business interruption and adjust your policy as your needs change.
• 🤝 Ongoing Support: From policy management to claims, we remain your point of contact for all matters related to your cover.
• 📞 Claims Advocacy: In the event of a loss, we support you through the claims process to ensure timely and fair settlement.
• 🔔 Regular Updates: We keep you informed about policy changes, renewal reminders, and relevant legal requirements.

Insurance Provider Comparison

See how Britam Fire and Burglary Insurance compares with other providers in the market:

Feature	Britam	Other Providers
Business Interruption Cover	Included as optional benefit	Often requires separate policy
Premium Transparency	Fixed premiums quoted upfront	Variable premiums based on assessment
Exclusions	Clearly defined	Often has more extensive exclusions
Personal Accident Cover	Included in base cover	Usually requires separate policy
Intermediary Support	Comprehensive support via Step by Step Insurance	Varies by provider

Learn more about why every Kenyan business needs fire and burglary insurance and how it can protect your investment.

Frequently Asked Questions

Can I insure only my contents or only the building?

Yes, you can choose to insure just your building, just your contents, or both.

Does the policy cover cash and documents?

No, loss of cash, currency, bank notes, or securities is excluded. Documents and business books are covered within policy limits.

What if I rent my premises?

You can insure your contents and cover rent payable if your premises become untenantable due to fire.

How are premiums calculated?

Premiums are fixed upfront based on the sum insured and benefit options you select.

What is the excess on claims?

10% of the claim amount, subject to a minimum of KES 1,000 (Option 1) or KES 5,000 (Options 2–5).

Conclusion

Britam Fire and Burglary Insurance is an affordable, flexible, and comprehensive solution for protecting your home or business from fire and theft. With clear payout structures, defined exclusions, and the support of Step by Step Insurance as your intermediary, you can enjoy true peace of mind knowing your property and valuables are secure.

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