Property All Risks & Assets
Protection for structures, machinery, equipment and inventory against fire, flood, theft and natural peril disruption.
- Business Interruption & Loss of Profit
- Machinery Breakdown Endorsements
- Burglary & Money Insurance
Confidence in every risk.
We help Kenyan enterprises, institutions, SACCOs and households read their exposures plainly, structure cover against them, and hold an underwriter to the promise when it is finally called upon.
Insurance is not a commodity. It is a promise.
J012 Innovate is a licensed insurance agent, registered under the Insurance Act (Cap. 487) and authorised to place cover across every major class through our appointed IRA-licensed underwriter.
The work begins well before the wording. How does the enterprise actually run? Where does exposure concentrate, and what would a loss truly cost — in replacement, in downtime, in reputation? The policy is the conclusion of that enquiry, never a substitute for it.
Solutions Portfolio
Tailored Insurance Architecture
Explore our core pillars of coverage. Select a domain to review the policies and risk structures within it.
Every policy is a theory. A claim is the proof.
Why J012
Why enterprises choose J012 Innovate
01
Tailored structuring
Programmes drawn from the client's own risk profile — assembled deliberately, never adapted from a schedule written for somebody else.
02
Multi-sector expertise
Commercial, industrial, agricultural, marine, benefits and personal exposures held within a single relationship, so nothing falls between intermediaries.
03
Responsive service
Candid communication from quotation through servicing to settlement — including the parts of an answer a client would rather not hear.
04
Professional governance
Bound by the IRA Code of Conduct: commissions disclosed, conflicts declined, the client's interest placed ahead of our own.
Technology
Risk you can measure is risk you can price
Telemetry on a matatu fleet, sensors on a factory floor, satellite imagery over a shamba — instrumentation is turning assumptions into observations, and observation changes both what cover costs and how quickly it pays.
An advisory relationship, not a transaction
The firm
J012 Innovate Insurance Agency is a licensed insurance agent, registered and regulated by the Insurance Regulatory Authority of Kenya under the Insurance Act (Cap. 487), and authorised to arrange and place business across life, medical, general and specialty lines.
Cover is placed through our appointed, IRA-licensed Kenyan underwriter. The Code of Conduct obliges us to disclose every commission, decline conflicts of interest and act in the client's interest — an obligation that does not vary with the size of the account, whether it belongs to a listed corporation, a growing enterprise or a single household.
Mission
Accessible cover, properly placed
To render insurance genuinely affordable and accessible across Kenya, through expertise, skilled people and the disciplined use of technology.
Vision
The standard for service
To lead Kenya's insurance market, and to set the standard by which service within it is measured.
01
Integrity
The same conduct whether or not anyone is watching.
02
Accountability
We own the outcome, not merely the undertaking.
03
Innovation
A practice that keeps pace with the instruments available to it.
04
Client-centricity
Understand the enterprise first. Everything else follows from that.
Regulatory
Licences & compliance
Licensed by the IRA under the Insurance Act (Cap. 487), and registered with the Office of the Data Protection Commissioner.
Registrations
Insurance Regulatory Authority (IRA)
Registered, licensed & regulated
Office of the Data Protection Commissioner
Registered & compliant
Active licences
Insurance Agent
Data Handler
Data Controller
Policyholder information is handled under Kenya's Data Protection Act, 2019 — stored securely and accessed only by authorised personnel.
Tailored Insurance Architecture
Four pillars of coverage, priced against sum insured and excess the way Kenyan underwriters actually quote. Select a domain to review the policies within it.
Directors & Officers (D&O)
Safeguarding the personal assets of board members and executives against defence costs and settlement liabilities.
- Regulatory Investigation Cover
- Shareholder Litigation Protection
- Employment Practices Liability
Cyber Risk & Data Breach
Indemnity for extortion, ransomware, data restoration and regulatory penalties under Kenya's data protection regime.
- Third-Party Liability Compensation
- Forensic & Legal Incident Response
- Business Interruption from Outage
Engineering & Plant
Cover for the machinery an operation depends on — from the production line to the contractor's yard.
- Contractors' Plant & Machinery
- Electronic Equipment & Boiler
- Machinery Loss of Profit
Liability & Professional Indemnity
Protection where an operation's conduct, advice or premises causes loss to a third party.
- Public & Products Liability
- Professional Indemnity
- Medical Malpractice
Financial Lines & Fidelity
Cover against internal dishonesty, counterparty default and the exposures particular to institutions handling money.
- Bankers Blanket Insurance
- Fidelity Guarantee
- Trade Credit Insurance
Corporate Group Medical
Flexible inpatient, outpatient, maternity and dental structures for employers, SACCOs and chamas, spanning regional East African provider networks.
- Chronic Condition Management
- Executive International Evacuation
- Health Awareness Programmes
Group Life Assurance & WIBA
Statutory Work Injury Benefits Act compliance paired with financial security for families on death or disability.
- Last Expense Speed-Payouts
- Permanent Total Disability (PTD)
- Group Personal Accident
Key Person Insurance
Safeguarding organisational stability against the loss of vital executives, founders or technical specialists.
- Business Continuity Funding
- Shareholder Buyout Indemnity
- Credit Life for Facilities
Income Protection & Critical Illness
Salary continuation and lump-sum benefits when illness or injury interrupts an employee's earning capacity.
- Group Income Protection
- Group Critical Illness
- Rehabilitation Cost Cover
Pensions & Retirement
Provision for obligations that fall due long after the current financial year, structured for staff retention.
- Group Pension Plans
- Umbrella Scheme Administration
- Individual Retirement Planning
Travel & Mobility
Cover for staff moving across the region and beyond, from routine trips to extended postings.
- Individual & Group Travel Plans
- Emergency Medical Evacuation
- Employers Liability Abroad
Marine Cargo & Logistics
Transit cover for sea, air and overland freight, aligned with Mombasa Port practice and Northern Corridor trade routes.
- Open Cargo Policy Frameworks
- Warehouse-to-Warehouse Protection
- Container Terminal Insurance
Agribusiness & Parametric Cover
Protecting Kenyan farming — from a Rift Valley tea or coffee estate to a smallholder's shamba — against drought, crop loss and livestock disease.
- Index-Based Weather Parametrics
- Agricultural Machinery & Storage
- Livestock Mortality Cover
Contractors' All Risks (CAR)
Structural insurance for civil engineering projects, commercial developments and infrastructure works.
- Advance Loss of Profits (ALOP)
- Third-Party Public Liability
- Erection All Risks
Marine Hull & Liability
Cover for the vessel itself and for the liabilities that follow it, on inland waters and at sea.
- Marine Hull & Machinery
- Marine Liability
- Charterers' Exposure
Energy & Pipeline
Specialised cover for fuel handling, distribution infrastructure and pressurised plant.
- Oil & Pipeline Cover
- Boiler & Pressure Vessel
- Erection All Risks
Cold Chain & Stock
For perishable value — where a failed compressor overnight is a total loss by morning.
- Deterioration of Stock in Cold Storage
- Goods in Transit
- Machinery Breakdown
Motor & Fleet
From the family saloon to a PSV route or a boda boda fleet feeding the last mile, with a claims team that follows every repair through.
- Private Motor Comprehensive
- Third Party, Fire & Theft
- PSV & Commercial Fleet
Home & Domestic Package
Buildings, contents and the liabilities that attach to a household and those who work within it.
- Buildings & Contents
- Domestic Package
- Tenant's Liability
Valuables & Specie
Worldwide all-risks cover for jewellery, fine art, collections and antiques — possessions rarely valued in money alone.
- Jewellery & Fine Arts (Specie)
- Worldwide All-Risks Extension
- Agreed Value Settlement
Life & Critical Illness
Provision for the dependants who would otherwise carry the shortfall, placed through licensed long-term insurers.
- Life Assurance
- Critical Illness Benefit
- Last Expense
Education & Savings
Disciplined provision for school fees and university, with the premium protected should the earner not survive the term.
- Education Plans
- Investment & Savings Plans
- Premium Waiver Benefit
Travel & Personal Accident
Cover for journeys abroad and for the accidents that occur closer to home.
- Individual Travel Plans
- Personal Accident
- Emergency Medical Cover
Not certain which pillar applies? That is our question to answer.
A policy is only as good as what we know
For a century, insurance priced the average and inspected the aftermath. Instruments have since become cheap, and risk has become legible — measurable as it unfolds rather than reconstructed once it has.
From estimate to evidence
Conventional cover rests on proxies. A fleet is rated by the number of vehicles rather than how they are driven; a plant by its replacement value rather than the condition of its bearings; a consignment by declared worth rather than the temperature it actually held. Every proxy conceals both the careful operator and the reckless one — and the careful operator pays the difference.
Instrumentation dissolves that averaging, and changes three things at once: what a risk costs, how quickly a loss is settled, and whether cover can reach people it previously could not.
Applied across the book
Where data reshapes the policy
Not a single product line, but a method applied wherever exposure can be measured.
01
Telematics & fleet intelligence
Harsh braking, night exposure, route and dwell time. Fleets rated on conduct rather than headcount — with the data doubling as a loss-prevention brief for the transport manager.
02
Connected plant & property
Vibration, thermal and power-quality sensing on critical machinery. Breakdown cover becomes a conversation about the failure averted, not only the one indemnified.
03
Cargo in motion
Geolocation and cold-chain telemetry across the Northern Corridor. A temperature breach is timestamped as it happens, which shortens the argument over where liability sits.
04
Parametric & index structures
Rainfall, wind, yield and seismic indices as the trigger. Settlement follows a measurement rather than an inspection — decisive where an assessor's visit would cost more than the premium.
05
Geospatial exposure mapping
Satellite and GIS layers across insured locations, exposing accumulation a schedule conceals: the flood plain, the fire corridor, the three warehouses sharing one substation.
06
Benefits analytics
Anonymised, aggregated utilisation across a medical scheme. Renewal becomes evidence-led, and chronic-care intervention is directed where the data says it will matter.
07
Cyber & digital liability
An exposure that scarcely existed when most Kenyan schedules were drafted. As operations digitise, cover must follow the dependency rather than the building.
08
Digital distribution
Mobile onboarding, profiling and premium collection — the mechanism by which micro and group cover becomes viable for cooperatives, SACCOs and informal enterprise.
09
Claims automation
First notification from a handset, documentation captured at source, status visible throughout. Administrative delay disappears; advocacy does not.
Research & partnerships
Where the work is happening
J012 belongs to a group that builds this technology rather than procures it — which means we can interrogate the data a product depends on before we place it.
University of Bremen — Sustainable Communication NetworksActive
Collaboration on AI and IoT environmental sensing under the AIR4LIFE programme with Moi University.
Innovate TechnologiesGroup company
Artificial intelligence and digital transformation — sensor deployment, data engineering and platform development.
Index & parametric structures for the Kenyan marketIn development
Designed for agriculture first, where the case is strongest, and extending to transit and property thereafter. Any product will be placed through licensed underwriters and approved under the applicable regulatory framework before it is offered.
Data governanceRegistered
Instrumented insurance rests on personal and operational data. J012 is registered with the Office of the Data Protection Commissioner as Data Handler and Data Controller, and every deployment is governed by the Data Protection Act, 2019.
A claim is the moment the policy is tested
Intermediaries are easy to reach at inception and harder to find afterwards. We take the opposite view: the claim is where the relationship earns its keep.
How a claim moves
01
Notify us
Contact the claims desk as soon as the incident occurs. Prompt notification preserves the claim; delay is the commonest reason cover is contested.
02
Submit documentation
Policy number, circumstances and supporting evidence. We set out precisely what the insurer requires, so nothing returns for a second attempt.
03
We coordinate
Correspondence with insurer, assessor and repairer is conducted on your behalf — and pressed when it stalls.
04
Track to settlement
Progress is reported as it occurs, through to settlement, without the client having to ask.
What to have ready
Requirements differ by insurer and by class; these are the customary starting points. The definitive list is confirmed the moment you notify us.
Every claim
- Policy number
- Date, time and place of the incident
- Description of what occurred
- Claim form, completed and signed
Motor
- Police abstract
- Driving licence and logbook copy
- Photographs of the damage
- Repair estimate
Property, marine & liability
- Invoices or proof of value
- Photographs of the loss
- Bill of lading or delivery note
- Third-party correspondence
Need to report a claim?
Three steps. No premium quoted before we understand the risk.
Thank you. Your request has been received.
A J012 Innovate advisor will contact you shortly. If it is urgent, call +254 757 589037.
We are here to help
Describe what needs protecting. An advisor will respond with the questions worth answering before any premium is quoted.
Office
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Address
Suite 5, Kilimani Business Centre, Kirichwa Road, Nairobi
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Hours
Monday to Friday, 8:30am – 5:00pm EAT
