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Caritas Insurance Agency Ltd is a subsidiary of Caritas Microfinance Bank Ltd that commenced business in 2017 as an insurance agent for all classes of insurance business, Claims advisers and Risk management consultants.
The Agency is licensed under the Insurance Act to offer both life and non-life insurance products and services.
We have partnered with the leading & reputable Insurance companies in the market to ensure that we provide our customers with optimal insurance solutions and unmatched services to meet customers’ expectations.

Our role as Caritas Insurance Agency include the following:-

  • Negotiating competitive insurance packages for our customers.
  • Claims management services; Ensuring efficient processing and settlement of claims to reduce exposure to customers and the Bank.
  • Risk management and professional insurance advisory services.
  • Vetting insurance companies to ensure our customers’ risks are placed with financially stable Insurance companies with an excellent claims settlement track record.
  • Designing relevant and appropriate Insurance solutions for Retail Clients, Religious and educational Institutions, Companies, Micro enterprises, Small and medium enterprises, farmers and other special groups. 


We strive to exceed customer expectation by providing top-notch insurance solutions through the most convenient and innovative means.


  • Motor products e.g. motor private, institutional vehicles, motor commercial, PSV, Tankers
  • Non-motor e.g. school package, domestic package, fire, burglary, fidelity guarantee, money,  e.t.c
  • Medical for individuals, micro, SME and scheme administration.
  • Agriculture – cattle, poultry, sheep & goats, pigs, crops, greenhouses.
  • Micro – SME business cover, motor cycle insurance, Tuk-tuks
  • Pension – individual and group pension plans
  • Life products – education policies, individual & group life products.
  • Travel Insurance


Third Party Only 
Provides cover for any third party property damage and third party body injury

Provides cover for loss of or accidental damage to the motor vehicle, its accessories and spare parts as well as third party property bodily injury and property damage.
Comprehensive car insurance protects you from costs arising out of third party damage, bodily injury, theft and damage to you car.
Our comprehensive cover offers extended benefits such as:

  • Excess Protection
  • Covers political riots (which is usually excluded) and terrorism attacks
  • Loss of use cover
  • Loss of personal effects
  • Courtesy car (car hire)
  • Forced ATM withdrawal limit
  • Loan repayment in the event of an accident
  • Occupational group personal accident for the driver and loader
  • No blame no excess
  • Carriers liability
  • Tracking devices
  • Windscreen cover (free up to 50,000)
  • Radio cassette cover (free up to 30,000)
  • Free Valuation    



  • Motor private
  • Institutional vehicles e.g. school bus
  • Motor commercial
  • PSV
  • Motor cycle
  • Petroleum Tankers

We offer a comprehensive range of solutions for individuals, institutions and SMEs to address their unique needs and risks.
Some of the most common general insurance products include:-

The basic Fire policy provides indemnity against loss or damage to property described, caused by fire, lightning and explosion.
However, the policy is also extended to cover riots, strike, malicious damage, storm, earthquake, and impact by vehicles, aircraft and other aerial devices, subterranean fire, spontaneous combustion, explosion of industrial boilers and economizers, flooding, water damage due to bursting or overflowing of water tanks, apparatus, and pipes.
This insurance covers assets such as:-

  • Buildings
  • Plant and machinery
  • Business stocks
  • Furniture, fixtures and fittings and office equipment.

The product will protect the SMEs premises and stocks against fire and perils ensuring in-case of a loss they are compensated quickly so that they can continue with their business.

Burglary Insurance
The Burglary policy provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises or through hold-up.
Assets such as office equipment, stock in trade, furniture fixtures and fittings are covered.
This will protect the SMEs against theft of stocks while in the premises, the damage to the building as the thieves break in. Cover can be extended to cover goods in the open up to a certain limit.

All Risks Insurance
This insurance provides indemnity against loss or damage to specified items as a result of any cause within the business premises and also outside the business premises.This includes theft, fire, riot and strike breakage and or accidental damage and any other cause not excluded under the policy.This will be ideal to cover the:

  • Tablets
  • POS machine
  • Mobile phones
  • ETR machines
  • Computers and all other electrical items.

Money Insurance
This policy covers loss or damage to money by robbery or theft whilst:

  • In transit from your premises to the bank and vice versa
  • In premises during business hours
  • In premises in locked safes/strong rooms outside business hours
  • In the hand of senior employees/authorized personnel of the company
  • Value of the safe.

Work Injury Benefit Act, 2007 (WIBA) Insurance
Covers all employees against injuries and medical expenses arising from accidents whilst in the course of their day-to-day work activities.

This policy provides cover to homeowners/householders against loss or damage to the private dwellings/buildings, household goods and personal belongings against fire, theft, riot and strike, malicious damage, floods, explosion, lightning and thunderbolt.
It also offers personal liability to third parties as a result of negligence by the insured client and work injuries benefits to domestic servants.
It contains various sections as follows:-

  • Buildings
  • Contents e.g. furniture
  • All risks e.g. mobile phones
  • Domestic worker compensation
  • Owners and occupiers liability

Marine Cargo Insurance provides cover for loss of or damage to goods whilst in transit by sea or air and incidental land/ inland waterways transportation (including legal liabilities for general average and salvage where applicable) within the geographical limits and subject to conditions specified in the policy.
This policy covers risks of loss or damage from accidental causes such as sinking, stranding, fire, collision, sea water, heavy weather, contact, explosion, damage during discharge or loading and special charges incurred at the point of distress and a wide range of other perils.

This cover provides compensation for death, permanent disability and temporary loss of income due to disability, medical expenses and funeral expenses arising from an injury as a result of an accident.
The term accident refers to any event resulting in bodily injury and/or death such as traffic accident, slipping on a slippery floor, attack by thugs, falling from a height, attack by a domestic animal like a dog, choking, snake bites, attack by a wild animal, attack by bees etc.
Offers hospitalization and optional outpatient benefits to our Customers and their families in the event of an accident or illness.
It enables clients to manage their finances and access quality healthcare across a wide range of healthcare providers in Kenya.
The cover is enhanced to include Chronic, Pre-existing conditions, Cancer, & HIV/AIDS including cost of ARVs covered up to the full out-patient cover limit per family per annum

The child education policy is a life insurance product specially designed as a savings tool to provide an amount of money when your child reaches the age for entry into college (18 years and above).
The funds can be used to pay for your child’s higher education expenses. Under this policy, the child is the life assured, while the parent/legal guardian is the policy owner. In the event of the policy owner’s untimely demise, the child will have access to the funds to help finance his or her studies.
What to consider when choosing an appropriate plan:-

  • Consider how much money you want to set aside for your child’s education
  • Choose a policy that gives flexibility so that you can gradually increase the savings in future

Why Caritas Insurance Agency

  • We offer a one stop shop for all financial services to our customers thus improving efficiency.
  • Convenient, easy access and ease of premium payment through Insurance premium finance (IPF).
  • Strong distribution network and e-commerce capability; Bank agents, Mobile platform, Web, e.t.c further enhancing Bancassurance experience.
  • Our stringent Service Level Agreements with insurance companies ensures a fast and efficient claim processing and settlement.