Liability Insurance

Public Liability

Protection against legal liabilities arising from injuries or property damage to third parties.

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Protection against legal liabilities arising from injuries or property damage to third parties.

Benefits

Third-party bodily injury
Third-party property damage
Legal defence costs

Get this cover

Speak to an Oakstem advisor and receive a tailored quote within 24 hours.

Request a Quote → +254 717 966 970

Trusted Underwriters

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Included

What this cover includes

Third-party bodily injury
Third-party property damage
Legal defence costs

Excluded

Typical exclusions

Pre-existing conditions or losses arising before the policy inception date
Wilful or fraudulent acts by the insured
War, nuclear risks and government action (subject to specific extensions)
Wear and tear, mechanical breakdown and gradual deterioration

Get ready

Documents we will need

National ID or KRA PIN of the proposer
Asset / insured-item details (registration, valuation, etc.)
Previous claims history if any
Any underwriter-specific declarations

FAQ

Frequently Asked

Quick answers about Public Liability.

Most policies are issued within 24–48 hours of receipt of complete documentation and premium.

Many of our underwriters allow quarterly or monthly instalments for qualifying policies — we will confirm at quotation.

Notify Oakstem immediately on +254 717 966 970 or info@oaksteminsurance.co.ke. We will guide you through documentation and follow the claim through to settlement.

Other cover in this pillar

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Professional Indemnity

Protection for businesses and professionals against breach of professional duty.

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Employers Liability

Protection for employers against legal liability for employee damages and lawsuit costs.

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Directors' & Officers' Liability

Cover for wrongful acts by directors and officers in their corporate capacity.

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