A Strong partnership for comprehensive all-risk cover to and from East Africa


In January 2017 the directors of Heavy Industry Logistics became registered agents of CIC Insurance, therefore enabling us to offer Marine Cargo Insurance at market competitive rates and with the peace of mind that comes from partnering with a well-established and reputable insurance company.

This allows us to provide your valuable cargo with comprehensive all-risk cover from or to East Africa, door-to-door. Contact us for a quote…

With effect from 1st January 2017 the Government of Kenya decided to implement chapter 20 of the Insurance Act, see below extracts for further details…

In short, it is now mandatory for Kenyan importers to have marine cargo insurance cover from port of loading to final delivery site which is issued by a Kenyan insurance company

Cabinet Secretary Speech

67. Further Mr. Speaker, and in order to support the insurance industry in Kenya, Section 20 of the Insurance Act expressly prohibits placement of “Kenyan Business” with non-Kenyan or foreign insurance markets except under certain circumstances. Despite the existence of the law, imports into Kenya continue to be on a Cost, Insurance and Freight basis instead of Cost and Freight basis. In effect Mr. Speaker, this denies insurance companies registered in Kenya huge business that could substantially benefit the industry and the economy as well. To address this Mr. Speaker, I am directing the Kenya Revenue Authority to work with the relevant stakeholders to ensure that this part of the law is implemented. Mr. Speaker, this will also be beneficial to Kenyan importers who under the current practice have limited recourse if anything happens to their imports before they arrive in the country.


Insurance Act

Placing of risks with insurers and reinsurers not registered under this Act.

  1. No insurer, broker, agent or other person shall directly or indirectly place any Kenya business other than reinsurance business with an insurer not registered under this Act without the prior approval, whether individually or generally, in writing of the Commissioner.
  2. No insurer, broker, agent or other person shall directly or indirectly place any reinsurance of Kenya business with an insurer not registered under this Act except under the following conditions-
    • in the case of a treaty reinsurance, with the approval of the Commissioner to the treaty, and subject to such restrictions as he may specify;
    • in the case of the facultative reinsurance, subject to the prior approval in writing of the Commissioner to the placing of each particular risk with insurers or reinsurers not registered under this Act.
  3. Paragraph (a) of subsection (2) shall be deemed to have been complied with in respect of any reinsurance treaty or contract in force on the appointed date until the date of the next renewal of registration or the date of the renewal of the treaty or contract, whichever is earlier, if the treaty or contract is certified by the Kenya Reinsurance Corporation Limited as having been approved by that Company.
  4. A person who contravenes the provisions of the subsection (1) or (2) shall be guilty of an offence and liable to a fine not exceeding ten thousand shillings or to imprisonment not exceeding one year or to both.
  5. A policy or contract of insurance or reinsurance effected or renewed in contravention of subsection (1) of section 19, or subsection (1) of this section, shall not be invalid, void or unenforceable solely on the grounds of that contravention.

Kenya business” and “Kenya reinsurance business” means insurance business carried on by an insurer in respect of any person, human life, property or interest situated in Kenya, or in respect of which premiums are ordinarily payable in Kenya and include insurance business in respect of any vessel, hovercraft or aircraft registered or ordinarily located in Kenya, including marine cargo insurance policies for commercial imports but excludes marine cargo insurance policies issued on personal effects, goods and items imported into Kenya by returning residents or passengers entering Kenya for permanent or temporary residence. Provided that, if any doubt arises as to whether on a policy of insurance the premiums are ordinarily payable in Kenya or outside Kenya, the Commissioner shall decide the question and his decision shall be final;”

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