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MORE ABOUT US

Clarkson Insurance Brokers and its predecessor parent companies have operated In Kenya since 1958. This experience places Clarkson in the enviable position of being the oldest locally owned insurance broking company in the country.

In brief, Clarkson traces its origins to at least six (6) parent companies namely:- H. Clarkson & Southern Co. Ltd and Ernest A. Notcutt & Co. Ltd of the United Kingdom, Arbon Langrish & Southern Ltd and Southern Shipping Lines ( overseas companies with local interests at the time), Clarkson & Southern Ltd and Notcutt Longaroni & Co. Kenya Ltd.

GET TO KNOW
MORE ABOUT US

Clarkson Insurance Brokers and its predecessor parent companies have operated In Kenya since 1958. This experience places Clarkson in the enviable position of being the oldest locally owned insurance broking company in the country.

In brief, Clarkson traces its origins to at least six (6) parent companies namely:- H. Clarkson & Southern Co. Ltd and Ernest A. Notcutt & Co. Ltd of the United Kingdom, Arbon Langrish & Southern Ltd and Southern Shipping Lines ( overseas companies with local interests at the time), Clarkson & Southern Ltd and Notcutt Longaroni & Co. Kenya Ltd.

General Business

General Business

A single premium immediate annuity is a contract with an insurance company whereby you pay them a sum of money up front and they pay you a certain amount of money periodically for the rest of your life. Explore

General Business

A single premium immediate annuity is a contract with an insurance company whereby you pay them a sum of money up front and they pay you a certain amount of money periodically for the rest of your life. Explore

Medical Insurance

Medical Insurance

Under Clarkson's Medical covers, you enjoy benefits such as:- Customized medical covers from a selection of underwriters to suit client's needs, Administration of flexible Self-Funded Medical Schemes.
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Medical Insurance

Under Clarkson's Medical covers, you enjoy benefits such as:- Customized medical covers from a selection of underwriters to suit client's needs, Administration of flexible Self-Funded Medical Schemes.
Read More

The Company

Clarkson Insurance Brokers Ltd- formally known as Clarkson Notcutt (Insurance Broker) Ltd until July 2012 and its predecessor parent companies have operated in Kenya since 1958 In brief, Clarkson traces its origins to at least six (6) parent companies namely:- H. Clarkson & Southern Co. Ltd and Ernest A. Notcutt & Co. Ltd of the United Kingdom, Arbon Langrish & Southern Ltd and Southern Shipping Lines ( overseas companies with local interests at the time), Clarkson & Southern Ltd and Notcutt Longaroni & Co. Kenya Ltd. These origins show a strong maritime bias right from the time Horace Clarkson set sail in his “M.v R.N.L.B Horace Clarkson” (and thereby bestowed on the company its logo of sails), to the business marriage between H. Clarkson & Southern Co. Ltd and Southern Shipping Lines ( one of the premier Kenya Shipping Companies of the time), and finally, to the brief flirtation with the world famous Inchape Shipping Services in the early 1980’s. In 1984, following the divestures from Kenya of Bain Dawes and Ernest A. Notcutt ( the then UK shareholders at the time of Clarkson & Southern Co. Ltd and Notcutt Longaroni & Co. Kenya Ltd respectively, Clarkson Notcutt (Insurance Broker) Ltd was born out of the merger of Clarkson & Southern Co. Ltd and Notcutt Longaroni & Co. Kenya Ltd. The Kenya Commercial Bank Limited through its then affiliate - Kenya Commercial Finance Company Ltd had earlier bought into Notcutt Longaroni Kenya Limited thus partly owning it. Consequently, Clarkson Notcutt (Insurance Broker Ltd) was then owned on a 50% / 50% basis by Clarkson & Southern Ltd and Notcutt Longaroni & Co. Kenya Ltd. A structure which was in place for almost 20 years In 2003, both groups of shareholders decided to sell their interests to enable them concentrate on banking which was their core business. The new investors are experienced practitioners in the Financial services, Information Technology and Property sectors. Clarkson's offices:
  • The Head Office is located in Nairobi
  • The Mombasa Branch is located in Mombasa Trade Centre, North Wing Tower, 2nd Floor.
  • The Kampala Branch is located in Plot 27A Bandali Rise, Bugolobi.
Clarkson Insurance Brokers Ltd- formally known as Clarkson Notcutt (Insurance Broker) Ltd until July 2012 and its predecessor parent companies have operated in Kenya since 1958 In brief, Clarkson traces its origins to at least six (6) parent companies namely:- H. Clarkson & Southern Co. Ltd and Ernest A. Notcutt & Co. Ltd of the United Kingdom, Arbon Langrish & Southern Ltd and Southern Shipping Lines ( overseas companies with local interests at the time), Clarkson & Southern Ltd and Notcutt Longaroni & Co. Kenya Ltd. These origins show a strong maritime bias right from the time Horace Clarkson set sail in his “M.v R.N.L.B Horace Clarkson” (and thereby bestowed on the company its logo of sails), to the business marriage between H. Clarkson & Southern Co. Ltd and Southern Shipping Lines ( one of the premier Kenya Shipping Companies of the time), and finally, to the brief flirtation with the world famous Inchape Shipping Services in the early 1980’s. In 1984, following the divestures from Kenya of Bain Dawes and Ernest A. Notcutt ( the then UK shareholders at the time of Clarkson & Southern Co. Ltd and Notcutt Longaroni & Co. Kenya Ltd respectively, Clarkson Notcutt (Insurance Broker) Ltd was born out of the merger of Clarkson & Southern Co. Ltd and Notcutt Longaroni & Co. Kenya Ltd. The Kenya Commercial Bank Limited through its then affiliate - Kenya Commercial Finance Company Ltd had earlier bought into Notcutt Longaroni Kenya Limited thus partly owning it. Consequently, Clarkson Notcutt (Insurance Broker Ltd) was then owned on a 50% / 50% basis by Clarkson & Southern Ltd and Notcutt Longaroni & Co. Kenya Ltd. A structure which was in place for almost 20 years In 2003, both groups of shareholders decided to sell their interests to enable them concentrate on banking which was their core business. The new investors are experienced practitioners in the Financial services, Information Technology and Property sectors. Clarkson's offices:
  • The Head Office is located in Nairobi
  • The Mombasa Branch is located in Mombasa Trade Centre, North Wing Tower, 2nd Floor.
  • The Kampala Branch is located in Plot 27A Bandali Rise, Bugolobi.

Our Values

Vision

To be the most reliable partner in insurance and risk management.

Mission

Provision of value-added insurance and risk management services through product innovation and service delivery for the benefit of our stake holders.

Values

  • Teamwork: Our commitment and dedication to work together for quality customer service delivery and to add value in everything that we do.
  • Integrity: We commit ourselves to honesty, respect and dignity in all our interactions.
  • Courage: We venture into the unknown and pride in risk taking.
  • Caring: Total customer focus.

Vision

To be the most reliable partner in insurance and risk management.

Mission

Provision of value-added insurance and risk management services through product innovation and service delivery for the benefit of our stake holders.

Values

  • Teamwork: Our commitment and dedication to work together for quality customer service delivery and to add value in everything that we do.
  • Integrity: We commit ourselves to honesty, respect and dignity in all our interactions.
  • Courage: We venture into the unknown and pride in risk taking.
  • Caring: Total customer focus.

Coutts A. Otolo

Coutts A. Otolo Chairman He holds a Bachelor of Commerce (Honors) degree from the University of Nairobi. He is a member of Global Governing Council of the Association of Chartered Certified Accountants(ACCA) (UK). He is also a Fellow of ACCA (UK) and Certified Public Accountant CPA (K). He has over 33 years experience in financial and risk management consulting covering various industry sectors in diverse African countries.

Director

Director

Coutts A. Otolo Chairman He holds a Bachelor of Commerce (Honors) degree from the University of Nairobi. He is a member of Global Governing Council of the Association of Chartered Certified Accountants(ACCA) (UK). He is also a Fellow of ACCA (UK) and Certified Public Accountant CPA (K). He has over 33 years experience in financial and risk management consulting covering various industry sectors in diverse African countries.

John Waweru

John Waweru Managing Director-Kenya John is the Managing Director of Clarkson Insurance Brokers Kenya. John is currently pursuing an MBA at the University of Nairobi and holds a Bachelor’s of Commerce degree in Insurance. He is a member of Chartered Insurance Institute (CII) of London and Insurance Institute of Kenya (IIK). He has served at various senior capacities with several organizations including Madison Insurance Company as Assistant General Manager, Xplico Insurance Company as General Manager Corporate Division before rising to the position of the Chief Executive Officer. Before joining Clarkson, John was the Group Chief Marketing Officer of Phoenix of Botswana Assurance. John has a wealth of experience in general insurance and reinsurance business both in Kenya and the region.

Director

Director

John Waweru Managing Director-Kenya John is the Managing Director of Clarkson Insurance Brokers Kenya. John is currently pursuing an MBA at the University of Nairobi and holds a Bachelor’s of Commerce degree in Insurance. He is a member of Chartered Insurance Institute (CII) of London and Insurance Institute of Kenya (IIK). He has served at various senior capacities with several organizations including Madison Insurance Company as Assistant General Manager, Xplico Insurance Company as General Manager Corporate Division before rising to the position of the Chief Executive Officer. Before joining Clarkson, John was the Group Chief Marketing Officer of Phoenix of Botswana Assurance. John has a wealth of experience in general insurance and reinsurance business both in Kenya and the region.

Marie Claire Dusabe

Director Marie holds a Masters degree in International Relations & Peace Studies and a Bachelor of Arts degree (Political Science) from the Catholic University of Eastern Africa. She is also a director of Whitestone Coffee Farm and sits on the boards of three other Kenyan companies involved in property management.

Director

Director

Director Marie holds a Masters degree in International Relations & Peace Studies and a Bachelor of Arts degree (Political Science) from the Catholic University of Eastern Africa. She is also a director of Whitestone Coffee Farm and sits on the boards of three other Kenyan companies involved in property management.

Richard Munyaneza

Director Richard holds an MBA in Finance and Accounting and a BA in Economics. He has over 25 years experience in Management and Financial services.

Director

Director

Director Richard holds an MBA in Finance and Accounting and a BA in Economics. He has over 25 years experience in Management and Financial services.

Charles K. Muhoozi

Director Charles holds a Bachelor of Arts degree and a Higher Diploma in Education. He has over 31 years experience in Public Relations and Management.

Director

Director

Director Charles holds a Bachelor of Arts degree and a Higher Diploma in Education. He has over 31 years experience in Public Relations and Management.

Beatrice Mwangi

Director Beatrice holds a Bachelor of Arts in Social Sciences, a Master of Science in Human Resource Management and Post Graduate Diplomas in Business Administration and Information Technology. She is a member of the Professional Trainers Association of Kenya, Institute of Human Resource Management and was instrumental in the technical review committee of the Business Process Outsourcing Association of Kenya. She is a board member of Parker Randall Eastern Africa and The Social Impact Institute. She is also a committee member of the Youth Committee of The Kenya National Chamber of Commerce & Industry.

Director

Director

Director Beatrice holds a Bachelor of Arts in Social Sciences, a Master of Science in Human Resource Management and Post Graduate Diplomas in Business Administration and Information Technology. She is a member of the Professional Trainers Association of Kenya, Institute of Human Resource Management and was instrumental in the technical review committee of the Business Process Outsourcing Association of Kenya. She is a board member of Parker Randall Eastern Africa and The Social Impact Institute. She is also a committee member of the Youth Committee of The Kenya National Chamber of Commerce & Industry.

John Waweru

John Waweru Managing Director-Kenya John is the Managing Director of Clarkson Insurance Brokers Kenya. John is currently pursuing an MBA at the University of Nairobi and holds a Bachelor’s of Commerce degree in Insurance. He is a member of Chartered Insurance Institute (CII) of London and Insurance Institute of Kenya (IIK). He has served at various senior capacities with several organizations including Madison Insurance Company as Assistant General Manager, Xplico Insurance Company as General Manager Corporate Division before rising to the position of the Chief Executive Officer. Before joining Clarkson, John was the Group Chief Marketing Officer of Phoenix of Botswana Assurance. John has a wealth of experience in general insurance and reinsurance business both in Kenya and the region. He joined Clarkson in 2018.

Managing Director-Kenya

Managing Director-Kenya

John Waweru Managing Director-Kenya John is the Managing Director of Clarkson Insurance Brokers Kenya. John is currently pursuing an MBA at the University of Nairobi and holds a Bachelor’s of Commerce degree in Insurance. He is a member of Chartered Insurance Institute (CII) of London and Insurance Institute of Kenya (IIK). He has served at various senior capacities with several organizations including Madison Insurance Company as Assistant General Manager, Xplico Insurance Company as General Manager Corporate Division before rising to the position of the Chief Executive Officer. Before joining Clarkson, John was the Group Chief Marketing Officer of Phoenix of Botswana Assurance. John has a wealth of experience in general insurance and reinsurance business both in Kenya and the region. He joined Clarkson in 2018.

Boneface Maswii

Boneface Maswii Manager - General Business Boniface is the Manager in charge of the General Business Division, where he oversees the sale, production and administration of general insurances and reinsurance business for Clarkson Kenya. He holds a Bachelor of Science degree in Business Administration and certificate of Proficiency in General Insurance. He is currently pursuing Diploma in insurance (Dip IIK). Boniface has over ten years (10) experience in the insurance industry. He joined Clarkson in 2014.

Manager - General Business

Manager - General Business

Boneface Maswii Manager - General Business Boniface is the Manager in charge of the General Business Division, where he oversees the sale, production and administration of general insurances and reinsurance business for Clarkson Kenya. He holds a Bachelor of Science degree in Business Administration and certificate of Proficiency in General Insurance. He is currently pursuing Diploma in insurance (Dip IIK). Boniface has over ten years (10) experience in the insurance industry. He joined Clarkson in 2014.

Erick Owiti

Erick Owiti Manager - Employee Benefits Erick is the manager in charge of Employee Benefits whereby he oversees Medical, Group Life and Pension Businesses in Clarkson. He holds Higher Diploma in Business Management-Marketing, Metropolitan(UK) and Higher Diploma Administration( India). Eric’s vast experience in insurance sector spans over 20 years having worked at MD Kampf Insurance Brokers as Assistant Manager before joining Eagle Africa Insurance Broker as Client Relationship Assistant. Prior to joining Clarkson Insurance Brokers, he ventured into insurance main stream having worked as Deputy Marketing Manager at Kenyan Alliance Insurance Company and The Jubilee Insurance Company, Kenya as Assistant Manager Business Development in General Department. He joined Clarkson in 2018.

Manager - Employee Benefits

Manager - Employee Benefits

Erick Owiti Manager - Employee Benefits Erick is the manager in charge of Employee Benefits whereby he oversees Medical, Group Life and Pension Businesses in Clarkson. He holds Higher Diploma in Business Management-Marketing, Metropolitan(UK) and Higher Diploma Administration( India). Eric’s vast experience in insurance sector spans over 20 years having worked at MD Kampf Insurance Brokers as Assistant Manager before joining Eagle Africa Insurance Broker as Client Relationship Assistant. Prior to joining Clarkson Insurance Brokers, he ventured into insurance main stream having worked as Deputy Marketing Manager at Kenyan Alliance Insurance Company and The Jubilee Insurance Company, Kenya as Assistant Manager Business Development in General Department. He joined Clarkson in 2018.

Njeru Mwandiki

Njeru Mwandiki Manager-Business Development Njeru is the Manager in charge of Business Development. He is mandated with building strong and lasting relationships with existing and prospective clients and ensuring that client service is at its best. He joined Clarkson from UAP Old Mutual where he was in charge of business development for DR Congo. Njeru has over 15 years of experience in business development having worked for various companies in different industries in the region including Kenya, Uganda, DR Congo and the Horn of Africa (Somaliland) hence perfecting his key skills in his field on a diverse multicultural spectrum. Njeru is multilingual, fluent in French and a Bachelor of Arts (in Economics) graduate from the University of Nairobi. He joined Clarkson in 2018.

Manager-Business Development

Manager-Business Development

Njeru Mwandiki Manager-Business Development Njeru is the Manager in charge of Business Development. He is mandated with building strong and lasting relationships with existing and prospective clients and ensuring that client service is at its best. He joined Clarkson from UAP Old Mutual where he was in charge of business development for DR Congo. Njeru has over 15 years of experience in business development having worked for various companies in different industries in the region including Kenya, Uganda, DR Congo and the Horn of Africa (Somaliland) hence perfecting his key skills in his field on a diverse multicultural spectrum. Njeru is multilingual, fluent in French and a Bachelor of Arts (in Economics) graduate from the University of Nairobi. He joined Clarkson in 2018.

Jacinta Muia

Jacinta Muia MBA, Bcom (Hons), CPA(K) Manager-Finance & Administration Jacinta is the Manager in charge of the Finance and Administration Division in the Company. She holds a Master’s degree in Business Administration, BCom (Accounts) degree and is a Certified Public Accountant of Kenya (CPA K) and a member of ICPAK. Jacinta has extensive experience over 10 years' track record of successful financial management, accounting, audit, financial reporting, budgeting and financial operations. She is also a member of the Finance committe of the Association of Insurance Brokers of Kenya (AIBK). Jacinta joined Clarkson in 2014.

Manager-Finance & Administration

Manager-Finance & Administration

Jacinta Muia MBA, Bcom (Hons), CPA(K) Manager-Finance & Administration Jacinta is the Manager in charge of the Finance and Administration Division in the Company. She holds a Master’s degree in Business Administration, BCom (Accounts) degree and is a Certified Public Accountant of Kenya (CPA K) and a member of ICPAK. Jacinta has extensive experience over 10 years' track record of successful financial management, accounting, audit, financial reporting, budgeting and financial operations. She is also a member of the Finance committe of the Association of Insurance Brokers of Kenya (AIBK). Jacinta joined Clarkson in 2014.

Rebecca Mactolo

Rebecca Mactolo CHRP Head of Human Resource Rebecca is the Head Of Human Resource Division of Clarkson Insurance Brokers Kenya. She is a Certified Human Resource Practioner and holds a Bachelor’s of Commerce degree in Human Resource from The University of Nairobi. She is also a member of Institute of Human Resource Management (IHRM) . Rebecca possesses an executive Certificate of proficiency in insurance and has over 7 years’ experience with the company.

Head of Human Resource

Head of Human Resource

Rebecca Mactolo CHRP Head of Human Resource Rebecca is the Head Of Human Resource Division of Clarkson Insurance Brokers Kenya. She is a Certified Human Resource Practioner and holds a Bachelor’s of Commerce degree in Human Resource from The University of Nairobi. She is also a member of Institute of Human Resource Management (IHRM) . Rebecca possesses an executive Certificate of proficiency in insurance and has over 7 years’ experience with the company.

Kenneth Milugo

Kenneth Milugo Head of ICT Kenneth is the Assistant Manager-ICT in charge of the information technology docket. He holds a Bsc. Applied Computer Science degree and is currently pursuing his MSc. Computer Systems at Jomo Kenyatta University of Agriculture & Technology (JKUAT). He is a Certified Cisco Networks Associate (CCNA), Project Management Professional (PMP) and certified Information Technology Infrastructure Library (ITIL) practitioner. Kenneth has over 10 years’ experience both in ICT and the insurance industry. He joined Clarkson in 2015.

Head of ICT

Head of ICT

Kenneth Milugo Head of ICT Kenneth is the Assistant Manager-ICT in charge of the information technology docket. He holds a Bsc. Applied Computer Science degree and is currently pursuing his MSc. Computer Systems at Jomo Kenyatta University of Agriculture & Technology (JKUAT). He is a Certified Cisco Networks Associate (CCNA), Project Management Professional (PMP) and certified Information Technology Infrastructure Library (ITIL) practitioner. Kenneth has over 10 years’ experience both in ICT and the insurance industry. He joined Clarkson in 2015.

Careers

There are no current open vacancies, however, you can enter your details below for future consideration.
There are no current open vacancies, however, you can enter your details below for future consideration.

Life Insurance

Clarkson offers the following life covers for customers : Life Assurance Products 1. Group Life Assurance A Group Life policy is arranged for employees of a company, to provide a lump sum amount for a deceased employee's beneficiaries. Cover is normally based on a multiple of an employee's annual salary A Funeral Expense Rider can be incorporated in the Group Life policy to provide for the deceased member's burial costs. Cover can also be arranged for individual members, for example the self-employed people who may not constitute a group. 2. Mortgage Protection Assurance This cover pays the outstanding Mortgage loan to the financiers in the event of the death of a borrower. This ensures that the beneficiaries of a deceased borrower do not lose the asset financed if the borrower dies before redeeming the loan borrowed. 3. Credit Life Assurance As with the Mortgage protection, this policy pays out the outstanding loan on the death of the borrower. The credit Life policy is however restricted to low amounts of cash, usually up to Kshs. 1,000,000/= 4. Term Assurances Term Assurances are ideal for young families, where a lump sum, usually know as the Sum Assured, is paid out on the death of the insured person. This eases the burden on the surviving family in the event of the death of the breadwinner. 5. Endowment Assurance This product provides a combination of life cover with an investment element. It pays out the sum assured on the death of the life assured or, on survival to the end of the policy term, it pays out the maturity value. This is in contrast with the Term Assurance, which does not pay anything on the survival of the life assured to the end of the policy term.
Clarkson offers the following life covers for customers : Life Assurance Products 1. Group Life Assurance A Group Life policy is arranged for employees of a company, to provide a lump sum amount for a deceased employee's beneficiaries. Cover is normally based on a multiple of an employee's annual salary A Funeral Expense Rider can be incorporated in the Group Life policy to provide for the deceased member's burial costs. Cover can also be arranged for individual members, for example the self-employed people who may not constitute a group. 2. Mortgage Protection Assurance This cover pays the outstanding Mortgage loan to the financiers in the event of the death of a borrower. This ensures that the beneficiaries of a deceased borrower do not lose the asset financed if the borrower dies before redeeming the loan borrowed. 3. Credit Life Assurance As with the Mortgage protection, this policy pays out the outstanding loan on the death of the borrower. The credit Life policy is however restricted to low amounts of cash, usually up to Kshs. 1,000,000/= 4. Term Assurances Term Assurances are ideal for young families, where a lump sum, usually know as the Sum Assured, is paid out on the death of the insured person. This eases the burden on the surviving family in the event of the death of the breadwinner. 5. Endowment Assurance This product provides a combination of life cover with an investment element. It pays out the sum assured on the death of the life assured or, on survival to the end of the policy term, it pays out the maturity value. This is in contrast with the Term Assurance, which does not pay anything on the survival of the life assured to the end of the policy term.

Pension

Pensions products as offered by Clarkson include: 1. Provident Fund schemes These are arranged by an employer to provide for their employees a lump sum amount on their retirement. The employer may decide to contribute and exempt the employees from contributing, although in most schemes both the employer and employees contribute towards the fund. On retirement a lump sum amount is paid to the retiring member. 2. Pension Schemes These are schemes that provide a retiring member with a regular pension, unlike the provident fund schemes which pay out a lump sum payment. A retiring member is allowed under the law to withdraw up to 1/3rd of the accumulated amount as a lump sum, and the balance utilized to buy a pension. 3. Annuities An individual may wish to utilize a lump sum amount to purchase an annuity. This is a regular payment made to a retired member. An annuity may be funded from the proceeds of a provident scheme. The annuity ensures that the recipient continues receiving the regular payment for a longer duration. 4. Individual Pensions Individual pensions arrangement are available for self employed people who may not be members of an occupational scheme.
Pensions products as offered by Clarkson include: 1. Provident Fund schemes These are arranged by an employer to provide for their employees a lump sum amount on their retirement. The employer may decide to contribute and exempt the employees from contributing, although in most schemes both the employer and employees contribute towards the fund. On retirement a lump sum amount is paid to the retiring member. 2. Pension Schemes These are schemes that provide a retiring member with a regular pension, unlike the provident fund schemes which pay out a lump sum payment. A retiring member is allowed under the law to withdraw up to 1/3rd of the accumulated amount as a lump sum, and the balance utilized to buy a pension. 3. Annuities An individual may wish to utilize a lump sum amount to purchase an annuity. This is a regular payment made to a retired member. An annuity may be funded from the proceeds of a provident scheme. The annuity ensures that the recipient continues receiving the regular payment for a longer duration. 4. Individual Pensions Individual pensions arrangement are available for self employed people who may not be members of an occupational scheme.

Risk Management

Clarkson Insurance Brokers Ltd. provides specialised risk management services. This involves carrying out comprehensive assessment and analysis of risk and exposures, designing various treatment methods to ensure optimum return on equity. What is Risk Management? Risk management is a process that identifies, analyses and economically controls those factors that threaten assets or earning capacity within an organisation. The objective of Risk Management is to identify your risk and categorise it for mitigation of portfolio and risk reduction and to ultimately justify your cost of risk. True risk management is the identification, measurement, and management of risk to provide a targeted return on equity. Cost of Risk - measures the degree of success with which risk spending optimally matches risk exposures. Physical, procedural and operation risk management measures seek to not only prevent loss, but also to strengthen the operating integrity of the company. The concept Companies are inclined to benchmark virtually all risks on historical value and not on projected trends as in business development. To cater adequately for risk exposures, the ergonomic and demographic environments should be addressed. The progress of a company should coincide with their risk management philosophy and have the same advancement. It does not help to have a lucrative financial portfolio that is eventually eroded due to deficient loss control measures. Our Risk Management Services a) Risk Surveys and Audits We do the following:- i) Carry out comprehensive risk surveys to identify areas of inherent risks and exposures and suggest appropriate economic risk control measures. ii) Carry out comprehensive risk audits to identify risk management practice weaknesses and establish risk control implementation status and suggest appropriate remedial measures. b) Porfolio Evaluation and Rating i) Evaluate and rate the impact of Risk Management activities on risk quality vis-a-vis insurance and show the benefits. c) Insurance Programme Analysis and Review i) Monitor /review risk management and insurance programmes in relation to market trends /benefits and suggest cost effective revisions in risk treatment strategies to ensure they continue to be pre-emptive and responsive to potential risks and exposures. ii) Prepare superior presentation of the client's insurance portfolio for the consumption of the Insurance market d) Risk Standards Entrenchment and Training i) Support any existing in-house Risk Management programme through provision of a help line on related issues, e.g. participation in standards entrenchment, training and awareness programmes. e) Derivation of Optimum Deductible Levels Analyse historical data and suggest optimum levels of deductibles to adopt for each policy.
Clarkson Insurance Brokers Ltd. provides specialised risk management services. This involves carrying out comprehensive assessment and analysis of risk and exposures, designing various treatment methods to ensure optimum return on equity. What is Risk Management? Risk management is a process that identifies, analyses and economically controls those factors that threaten assets or earning capacity within an organisation. The objective of Risk Management is to identify your risk and categorise it for mitigation of portfolio and risk reduction and to ultimately justify your cost of risk. True risk management is the identification, measurement, and management of risk to provide a targeted return on equity. Cost of Risk - measures the degree of success with which risk spending optimally matches risk exposures. Physical, procedural and operation risk management measures seek to not only prevent loss, but also to strengthen the operating integrity of the company. The concept Companies are inclined to benchmark virtually all risks on historical value and not on projected trends as in business development. To cater adequately for risk exposures, the ergonomic and demographic environments should be addressed. The progress of a company should coincide with their risk management philosophy and have the same advancement. It does not help to have a lucrative financial portfolio that is eventually eroded due to deficient loss control measures. Our Risk Management Services a) Risk Surveys and Audits We do the following:- i) Carry out comprehensive risk surveys to identify areas of inherent risks and exposures and suggest appropriate economic risk control measures. ii) Carry out comprehensive risk audits to identify risk management practice weaknesses and establish risk control implementation status and suggest appropriate remedial measures. b) Porfolio Evaluation and Rating i) Evaluate and rate the impact of Risk Management activities on risk quality vis-a-vis insurance and show the benefits. c) Insurance Programme Analysis and Review i) Monitor /review risk management and insurance programmes in relation to market trends /benefits and suggest cost effective revisions in risk treatment strategies to ensure they continue to be pre-emptive and responsive to potential risks and exposures. ii) Prepare superior presentation of the client's insurance portfolio for the consumption of the Insurance market d) Risk Standards Entrenchment and Training i) Support any existing in-house Risk Management programme through provision of a help line on related issues, e.g. participation in standards entrenchment, training and awareness programmes. e) Derivation of Optimum Deductible Levels Analyse historical data and suggest optimum levels of deductibles to adopt for each policy.

ReInsurance

BACKGROUND The Reinsurance Broking Division of Clarkson Insurance Brokers Ltd was established in 2004, as a fully fledged department of one of the oldest broking houses in the region. In addition to handling routine placements of treaty and facultative business across all classes, the unit is well equipped to handle special risks in East Africa and beyond. OUR OBJECTIVE: To be the reinsurance broker of choice OUR SCOPE The services we currently offer:
  • Portfolio Administration & Management
  • Treaty Design and Placement
  • Treaty Reinsurance Broking
  • Facultative Reinsurance Broking
  • Claims Management
  • Consultancy & Training
  • Retakaful
  • Risk Management
Our Products range from General Insurance, Life Insurance, Special Risks, Credit Risks, Terrorism Risks and Political Violence & Sabotage
BACKGROUND The Reinsurance Broking Division of Clarkson Insurance Brokers Ltd was established in 2004, as a fully fledged department of one of the oldest broking houses in the region. In addition to handling routine placements of treaty and facultative business across all classes, the unit is well equipped to handle special risks in East Africa and beyond. OUR OBJECTIVE: To be the reinsurance broker of choice OUR SCOPE The services we currently offer:
  • Portfolio Administration & Management
  • Treaty Design and Placement
  • Treaty Reinsurance Broking
  • Facultative Reinsurance Broking
  • Claims Management
  • Consultancy & Training
  • Retakaful
  • Risk Management
Our Products range from General Insurance, Life Insurance, Special Risks, Credit Risks, Terrorism Risks and Political Violence & Sabotage

Claims

Claims processing is the most important part of any insurance. Client service is of paramount importance to us and as we have grown to become a significant and major broker, we have been careful to maintain our professionalism and integrity on claims service and processing. In servicing an insurance programme the Insurance Broker should ensure that all claims are handled and concluded with minimum delay. The Claims personnel at Clarkson will provide everything on claims handling, administration and management by making sure we provide quality claims service and equitable settlement to our clients who rely on us. We are committed to provide our clients with a range of services from troubleshooting when things do not run smoothly, to full hands-on management of a claim, including attendance at meetings to explain claims requirements to our clients, discussing with Loss adjustors and other service providers appointed for the claim processing and negotiating with the Insurance Companies, thereby making the claims process more efficient. To achieve this commitment, Clarkson as your broker takes the initiative to:-
  • advice whether the loss is covered,
  • advice whether the claim is admissible
  • advice whether the claim has been reported on time
  • make sure the claim is fully documented, or the requisite documents
  • contact and make sure the loss adjuster/assessor/investigator receives full co-operation from all concerned
The following is the ideal procedure we would follow as the Insurance Broker:- 1) Provide the insured with a write-up on the preliminary, technical and physical procedure to follow on claims under each of the different classes of insurance. 2) Maintain a record of claims, in the form of a register which is regularly updated and may be reviewed with the insured. 3) On the happening of the loss or damage and on receiving notification;
  • Promptly report the claim to the Insurance Company
  • Provide you with claim forms for the respective claim reported to us, which you shall have to fill in and return
  • Ensure the prompt appointment of a loss adjuster or assessor where one is required and follow up to ascertain that the loss adjuster or assessor proceeds to visit the site of the loss or damage for investigation and/or assessment.
  • Depending on the nature, magnitude or seriousness of the loss or damage, send a representative to the site
  • Maintain a constant track of the Adjuster's investigation or adjustment of the loss
  • Give advice and assist in the completion of claim forms, where necessary, and the compiling of the required claims supporting documents and/or any other details
  • Follow up the Insurance Company to ensure that where a claim has been fully documented, it is promptly settled
  • In the case of motor vehicle claims, constantly check with the garage and ensure that repairs are carried out without undue delay
  • In respect of legal liability claims ensure that prompt attention is accorded to legal procedures for instance, summons to enter appearance in court are passed on to or advised to the Insurance Company for immediate action.
4) In general, negotiate all claims with the Insurance Company to a satisfactory conclusion in the best possible interest of the insured. 5) Regularly appraise the insured of changes in any relevant legislation and procedures. To assist us achieve quick and amicable settlement of your claim, it is imperative that you do the following:-
  • Notify us as soon as possible of any potential claim
  • Take all reasonable steps to secure your property to prevent further damage
  • Notify the Police or any other relevant authority of any loss suffered, where applicable
  • If another party is involved get full details, name, address, phone number, vehicle details
  • Where necessary, avail witnesses and prevail on them to cooperate with appointed representatives

Claims Procedure

A. Motor Accident Claims Procedures
In the unfortunate event that you are involved in an accident, there are several things you should do to make the insurance claims process as smooth as possible and help get you back on the road faster.
  • Try to remain calm.
  • Make sure everyone is alright and in case of injury please seek medical attention immediately.
  • Do not admit fault to anyone.
  • Ensure to involve the police. Allow them to control the accident scene and help determine who is at fault.
  • Discuss the accident only with the police and your insurance representative. During the claims process, if another party to the accident please refers any queries about the accident to your claims representative.
  • Ensure to obtain any relevant information from everyone involved in the accident. Information such as names, addresses, phone numbers, and motor insurance details are important.
  • You may want to take photos of the scene and damaged motor vehicle, road marks and any other features of the accident scene.
  • Report the incident immediately to your broker or insurance company.
B. All other Claims - Procedures
  • Report the incident immediately to your broker or insurance company
  • Make sure you obtain all documents that confirm/support your claim and forward these to your broker or insurance company without delay
  • For all road accidents or theft cases, make sure there is police involvement
  • For all liability cases, make sure to forward to your broker or insurance company, all unanswered demand letters, summons and any other legal document served upon you
  • In cases where you are covered and your Company polices, make sure you liaise with your insurance office or relevant office on how to make a claim and necessary documents
Please visit our offices for more information about motor and your other insurance needs or email us on: claims@clarkson.co.ke
Claims processing is the most important part of any insurance. Client service is of paramount importance to us and as we have grown to become a significant and major broker, we have been careful to maintain our professionalism and integrity on claims service and processing. In servicing an insurance programme the Insurance Broker should ensure that all claims are handled and concluded with minimum delay. The Claims personnel at Clarkson will provide everything on claims handling, administration and management by making sure we provide quality claims service and equitable settlement to our clients who rely on us. We are committed to provide our clients with a range of services from troubleshooting when things do not run smoothly, to full hands-on management of a claim, including attendance at meetings to explain claims requirements to our clients, discussing with Loss adjustors and other service providers appointed for the claim processing and negotiating with the Insurance Companies, thereby making the claims process more efficient. To achieve this commitment, Clarkson as your broker takes the initiative to:-
  • advice whether the loss is covered,
  • advice whether the claim is admissible
  • advice whether the claim has been reported on time
  • make sure the claim is fully documented, or the requisite documents
  • contact and make sure the loss adjuster/assessor/investigator receives full co-operation from all concerned
The following is the ideal procedure we would follow as the Insurance Broker:- 1) Provide the insured with a write-up on the preliminary, technical and physical procedure to follow on claims under each of the different classes of insurance. 2) Maintain a record of claims, in the form of a register which is regularly updated and may be reviewed with the insured. 3) On the happening of the loss or damage and on receiving notification;
  • Promptly report the claim to the Insurance Company
  • Provide you with claim forms for the respective claim reported to us, which you shall have to fill in and return
  • Ensure the prompt appointment of a loss adjuster or assessor where one is required and follow up to ascertain that the loss adjuster or assessor proceeds to visit the site of the loss or damage for investigation and/or assessment.
  • Depending on the nature, magnitude or seriousness of the loss or damage, send a representative to the site
  • Maintain a constant track of the Adjuster's investigation or adjustment of the loss
  • Give advice and assist in the completion of claim forms, where necessary, and the compiling of the required claims supporting documents and/or any other details
  • Follow up the Insurance Company to ensure that where a claim has been fully documented, it is promptly settled
  • In the case of motor vehicle claims, constantly check with the garage and ensure that repairs are carried out without undue delay
  • In respect of legal liability claims ensure that prompt attention is accorded to legal procedures for instance, summons to enter appearance in court are passed on to or advised to the Insurance Company for immediate action.
4) In general, negotiate all claims with the Insurance Company to a satisfactory conclusion in the best possible interest of the insured. 5) Regularly appraise the insured of changes in any relevant legislation and procedures. To assist us achieve quick and amicable settlement of your claim, it is imperative that you do the following:-
  • Notify us as soon as possible of any potential claim
  • Take all reasonable steps to secure your property to prevent further damage
  • Notify the Police or any other relevant authority of any loss suffered, where applicable
  • If another party is involved get full details, name, address, phone number, vehicle details
  • Where necessary, avail witnesses and prevail on them to cooperate with appointed representatives

Claims Procedure

A. Motor Accident Claims Procedures
In the unfortunate event that you are involved in an accident, there are several things you should do to make the insurance claims process as smooth as possible and help get you back on the road faster.
  • Try to remain calm.
  • Make sure everyone is alright and in case of injury please seek medical attention immediately.
  • Do not admit fault to anyone.
  • Ensure to involve the police. Allow them to control the accident scene and help determine who is at fault.
  • Discuss the accident only with the police and your insurance representative. During the claims process, if another party to the accident please refers any queries about the accident to your claims representative.
  • Ensure to obtain any relevant information from everyone involved in the accident. Information such as names, addresses, phone numbers, and motor insurance details are important.
  • You may want to take photos of the scene and damaged motor vehicle, road marks and any other features of the accident scene.
  • Report the incident immediately to your broker or insurance company.
B. All other Claims - Procedures
  • Report the incident immediately to your broker or insurance company
  • Make sure you obtain all documents that confirm/support your claim and forward these to your broker or insurance company without delay
  • For all road accidents or theft cases, make sure there is police involvement
  • For all liability cases, make sure to forward to your broker or insurance company, all unanswered demand letters, summons and any other legal document served upon you
  • In cases where you are covered and your Company polices, make sure you liaise with your insurance office or relevant office on how to make a claim and necessary documents
Please visit our offices for more information about motor and your other insurance needs or email us on: claims@clarkson.co.ke

FAQs

Why use an Insurance Broker?

If you are going to buy insurance, it is important that you should know about the insurance policy you are going to buy. In case you don't have any idea about the insurance policy, then its always advisable to use an insurance broker that you trust. There are mainly three ways of purchasing insurance. You can buy an insurance policy through an insurance agent, directly from an insurance company or through an insurance broker. An insurance broker will be the most useful option for you to buy insurance as he can offer you almost all coverage options and the cheapest insurance rates. Going through insurance brokers will be the best way as they are consultants and they can guide you in which policy will be the best for you. They can also suggest you the policies and prices will be the best for you. You may get in touch with different brokers until you get the one that you feel comfortable with. But you should know the history and reputation of the particular broker before taking help and services from him. Internet will be the best option for you to get good and reputed insurance broker. The service provided by an insurance broker will definitely give you a peace of mind which is the most important factor you need to have while purchasing insurance whether it is a home insurance or auto insurance or life insurance.

Reasons Why Consumers Should Use an Insurance Broker

Consumers generally think they benefit when they buy insurance direct but is it true? To find out, we've asked people what matters to them when buying insurance, and in turn our panel used those criteria to evaluate the differences between buying insurance via a broker and buying direct from the insurance company.

Why do consumers hate the middle man?

Primarily, customers perceive any middle man as an unnecessary third party, and conventional wisdom dictates that this means additional cost and possibly mistakes. Advertising by insurers to 'go direct' has compounded this feeling.

What is important to consumers?

In order of importance, these are the things people said matter to them: 1.Cost. 2.Ease. 3.Speed. 4.Peace of mind that everything is covered. 5.Security of personal data. So let's now analyze these items and let you be the judge how each performs when insurance is bought directly or when via a broker.
1. Cost
Contrary to popular consumer belief we found that broker pricing was actually better than direct insurance pricing. The reason for this seems to be principally due to insurers providing different rates to brokers, in order that premiums are lower. Why would insurers provide special broker pricing? Simple: because the risk is lower for the insurer. Brokers are professionally trained to choose the right policy for their customers, and not to under insure, therefore avoiding unnecessary claims while maintaining the correct premium income.
'Cutting out the middle man' it seems, does not save money this time. On the contrary!
2. Ease
Many of the consumers in our test case were surprised here. At least half began our test with the impression that buying policies directly would be the easiest option for them. After trying both, almost all had changed their mind. Whilst the direct experience usually proved more pleasant than the phone, most brokers offered an online service, and were far, far more pro-active after they received the initial quote request from the consumer, often answering queries by personal email or call and helping to reassure customers with a human service. Furthermore, most direct services completely fell down when queries or changes were required that were less common, particularly later in the policy life cycle. Brokers really shone through here.
3. Speed
The results here were quite evenly balanced. In the case of the time taken to generate initial quotation figures, direct services (online) were consistently very quick, while some brokers answered quote requests by personal follow up. The difference however was somewhat reversed when it came to midterm changes, documentation requests and one off queries. The direct services often fell back to large call centers whose staff had little or no real insurance knowledge. In this areas brokers were more efficient, making suggestions our consumers found highly useful, saving them lots of time. On balance, the speed at which quotes were produced by the direct services was not significant to our consumers when compared to the speed and efficiency with which brokers generally managed their policies throughout the policy life cycle. "As long as my broker doesn't take too long to come back to me, I don't care.   It's his problem while the clock is ticking, not mine."
4. Peace of mind that everything is covered
We saw few surprises here. Brokers were largely far more efficient at cross checking policies than consumers, and also very good at educating their customers, explaining what types of cover were available and answering queries. Direct processes were better than in the past but put too much focus on the consumer to do this work himself/herself to be able to compete with the level of service provided by brokers. The really good direct services centered on only covering the low risk policies, and leaving any consumer with non-standard requirements high and dry.
5. Security of personal data
This was a difficult one to test, and fell largely to our technical team. We did however take into account how consumers felt about their data security after using the various services. In the case of Internet based services, the direct services tended to follow security guidelines marginally better than broker services, mainly due to the size of the organizations involved and lack of good software on the part of some brokers. On the phone however, we saw a different story. Brokers, being far better equipped to deal with specific insurance questions and used to a human discussion, gave people a stronger feeling that they were in safe hands. The process of securing personal data was much the same as with direct, but the trust conveyed by brokers was better. Article by Adam Bishop of www.riskheads.org

Why use an Insurance Broker?

If you are going to buy insurance, it is important that you should know about the insurance policy you are going to buy. In case you don't have any idea about the insurance policy, then its always advisable to use an insurance broker that you trust. There are mainly three ways of purchasing insurance. You can buy an insurance policy through an insurance agent, directly from an insurance company or through an insurance broker. An insurance broker will be the most useful option for you to buy insurance as he can offer you almost all coverage options and the cheapest insurance rates. Going through insurance brokers will be the best way as they are consultants and they can guide you in which policy will be the best for you. They can also suggest you the policies and prices will be the best for you. You may get in touch with different brokers until you get the one that you feel comfortable with. But you should know the history and reputation of the particular broker before taking help and services from him. Internet will be the best option for you to get good and reputed insurance broker. The service provided by an insurance broker will definitely give you a peace of mind which is the most important factor you need to have while purchasing insurance whether it is a home insurance or auto insurance or life insurance.

Reasons Why Consumers Should Use an Insurance Broker

Consumers generally think they benefit when they buy insurance direct but is it true? To find out, we've asked people what matters to them when buying insurance, and in turn our panel used those criteria to evaluate the differences between buying insurance via a broker and buying direct from the insurance company.

Why do consumers hate the middle man?

Primarily, customers perceive any middle man as an unnecessary third party, and conventional wisdom dictates that this means additional cost and possibly mistakes. Advertising by insurers to 'go direct' has compounded this feeling.

What is important to consumers?

In order of importance, these are the things people said matter to them: 1.Cost. 2.Ease. 3.Speed. 4.Peace of mind that everything is covered. 5.Security of personal data. So let's now analyze these items and let you be the judge how each performs when insurance is bought directly or when via a broker.
1. Cost
Contrary to popular consumer belief we found that broker pricing was actually better than direct insurance pricing. The reason for this seems to be principally due to insurers providing different rates to brokers, in order that premiums are lower. Why would insurers provide special broker pricing? Simple: because the risk is lower for the insurer. Brokers are professionally trained to choose the right policy for their customers, and not to under insure, therefore avoiding unnecessary claims while maintaining the correct premium income.
'Cutting out the middle man' it seems, does not save money this time. On the contrary!
2. Ease
Many of the consumers in our test case were surprised here. At least half began our test with the impression that buying policies directly would be the easiest option for them. After trying both, almost all had changed their mind. Whilst the direct experience usually proved more pleasant than the phone, most brokers offered an online service, and were far, far more pro-active after they received the initial quote request from the consumer, often answering queries by personal email or call and helping to reassure customers with a human service. Furthermore, most direct services completely fell down when queries or changes were required that were less common, particularly later in the policy life cycle. Brokers really shone through here.
3. Speed
The results here were quite evenly balanced. In the case of the time taken to generate initial quotation figures, direct services (online) were consistently very quick, while some brokers answered quote requests by personal follow up. The difference however was somewhat reversed when it came to midterm changes, documentation requests and one off queries. The direct services often fell back to large call centers whose staff had little or no real insurance knowledge. In this areas brokers were more efficient, making suggestions our consumers found highly useful, saving them lots of time. On balance, the speed at which quotes were produced by the direct services was not significant to our consumers when compared to the speed and efficiency with which brokers generally managed their policies throughout the policy life cycle. "As long as my broker doesn't take too long to come back to me, I don't care.   It's his problem while the clock is ticking, not mine."
4. Peace of mind that everything is covered
We saw few surprises here. Brokers were largely far more efficient at cross checking policies than consumers, and also very good at educating their customers, explaining what types of cover were available and answering queries. Direct processes were better than in the past but put too much focus on the consumer to do this work himself/herself to be able to compete with the level of service provided by brokers. The really good direct services centered on only covering the low risk policies, and leaving any consumer with non-standard requirements high and dry.
5. Security of personal data
This was a difficult one to test, and fell largely to our technical team. We did however take into account how consumers felt about their data security after using the various services. In the case of Internet based services, the direct services tended to follow security guidelines marginally better than broker services, mainly due to the size of the organizations involved and lack of good software on the part of some brokers. On the phone however, we saw a different story. Brokers, being far better equipped to deal with specific insurance questions and used to a human discussion, gave people a stronger feeling that they were in safe hands. The process of securing personal data was much the same as with direct, but the trust conveyed by brokers was better. Article by Adam Bishop of www.riskheads.org

Business Hours & Location


NAIROBI OFFICE Taj Tower, 7th Floor-Wing A, Upper Hill Road, Upper Hill P.O. Box 30279-00100 Nairobi Tel: +254(020)2731310/3; +254(020)2713770/5 Mobile: 0723 606573/0736 606573 Email: info@clarkson.co.ke Website: www.clarkson.co.ke
MOMBASA OFFICE Diamond Trust House, 1st Floor, Moi Avenue P.O. Box 84726-80100 Mombasa Tel: 0202312039 Mobile: 0720 606573 Email: infomsa@clarkson.co.ke Website: www.clarkson.co.ke
KAMPALA OFFICE Plot 67, Luthuli Avenue, Bugolobi P.O. Box 2308 Kampala Tel: +256 (414)235499 +256(312)202210 Fax: +256(414)256658 Email: info@clarksonug.co.ug Website: www.clarkson.co.ke
DAR ES SALAAM OFFICE IPS Building, 8th Floor, Samora Avenue P.O. Box 377756 Dar es Salaam Tel: +255 22 2112624 Email: info@clarkson.co.tz Website: www.clarkson.co.ke Hours
Monday - Friday 8:00 am to 5:00 pm Evenings and Weekends by Appointment

NAIROBI OFFICE Taj Tower, 7th Floor-Wing A, Upper Hill Road, Upper Hill P.O. Box 30279-00100 Nairobi Tel: +254(020)2731310/3; +254(020)2713770/5 Mobile: 0723 606573/0736 606573 Email: info@clarkson.co.ke Website: www.clarkson.co.ke
MOMBASA OFFICE Diamond Trust House, 1st Floor, Moi Avenue P.O. Box 84726-80100 Mombasa Tel: 0202312039 Mobile: 0720 606573 Email: infomsa@clarkson.co.ke Website: www.clarkson.co.ke
KAMPALA OFFICE Plot 67, Luthuli Avenue, Bugolobi P.O. Box 2308 Kampala Tel: +256 (414)235499 +256(312)202210 Fax: +256(414)256658 Email: info@clarksonug.co.ug Website: www.clarkson.co.ke
DAR ES SALAAM OFFICE IPS Building, 8th Floor, Samora Avenue P.O. Box 377756 Dar es Salaam Tel: +255 22 2112624 Email: info@clarkson.co.tz Website: www.clarkson.co.ke Hours
Monday - Friday 8:00 am to 5:00 pm Evenings and Weekends by Appointment

Personal Accident Cover

We offer a cover against injuries, disability or death caused solely by an accident. A major accident can suddenly disrupt your entire life. It’s better to stay protected with our personal accident insurance.
We offer a cover against injuries, disability or death caused solely by an accident. A major accident can suddenly disrupt your entire life. It’s better to stay protected with our personal accident insurance.

Motor Private

Motor Private Insurance policy provides cover for insured’s vehicle against financial loss and legal liability arising from accidental damage, fire, theft and malicious damage. There are 3 types of coverage under motor insurance:
  • Third Party: Covers third party bodily injury and property damage arising out of a vehicle accident.
  • Third party Fire & Theft: Cover extends to cover theft, fire, third party bodily injury and property damage.
  • Comprehensive: Covers third party liability and property damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle.
Motor Private Insurance policy provides cover for insured’s vehicle against financial loss and legal liability arising from accidental damage, fire, theft and malicious damage. There are 3 types of coverage under motor insurance:
  • Third Party: Covers third party bodily injury and property damage arising out of a vehicle accident.
  • Third party Fire & Theft: Cover extends to cover theft, fire, third party bodily injury and property damage.
  • Comprehensive: Covers third party liability and property damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle.

Travel Insurance

This cover is taken up before embarking on a trip outside your home country that offers you protection in case of any unforeseen circumstances while on your trip. Designed for travel all over the world, enjoy cover for anything from medical expenses and assistance, travel delay or flight cancellation, hospital allowance, personal accident cover, baggage loss etc.
This cover is taken up before embarking on a trip outside your home country that offers you protection in case of any unforeseen circumstances while on your trip. Designed for travel all over the world, enjoy cover for anything from medical expenses and assistance, travel delay or flight cancellation, hospital allowance, personal accident cover, baggage loss etc.

Domestic Package

Domestic package is very critical in our homes in case of fire, terror attacks, and earthquakes. Having the domestic package puts one’s mind at ease knowing that you’ll be compensated in such cases. Household appliances are protected against theft, explosions and fire. Third party liabilities and domestic employees are covered from accidental bodily injury or death. This is a combined policy for homeowners. It covers the building itself, contents whilst in the house and outside the house, house servants against death or injury whilst in the course of employment and personal legal liability to third parties.
Domestic package is very critical in our homes in case of fire, terror attacks, and earthquakes. Having the domestic package puts one’s mind at ease knowing that you’ll be compensated in such cases. Household appliances are protected against theft, explosions and fire. Third party liabilities and domestic employees are covered from accidental bodily injury or death. This is a combined policy for homeowners. It covers the building itself, contents whilst in the house and outside the house, house servants against death or injury whilst in the course of employment and personal legal liability to third parties.

WIBA

Covers all employees against accidental death and/or injury in accordance with the benefits specified in the policy. This will include permanent, contract, temporary, and casual employees. Benefits includes:
  • 24 HR worldwide cover payable upon death arising from ( accidental & occupational causes)
  • Permanent & total disability
  • Temporary & total Disability
  • Medical reimbursement
Covers all employees against accidental death and/or injury in accordance with the benefits specified in the policy. This will include permanent, contract, temporary, and casual employees. Benefits includes:
  • 24 HR worldwide cover payable upon death arising from ( accidental & occupational causes)
  • Permanent & total disability
  • Temporary & total Disability
  • Medical reimbursement

Public Liability

The policy protects the insured against legal liability to 3rd Party for damages in respect of:-
  1. Death or bodily injury including illness
  2. Loss or damage to tangible property occurring within the territorial limits and arising in the course of or in connection with the insured’s business
Exclusions includes:
  • Liability arising from Chemical/ Biological substances
  • Terrorism
  • Political violence
The policy protects the insured against legal liability to 3rd Party for damages in respect of:-
  1. Death or bodily injury including illness
  2. Loss or damage to tangible property occurring within the territorial limits and arising in the course of or in connection with the insured’s business
Exclusions includes:
  • Liability arising from Chemical/ Biological substances
  • Terrorism
  • Political violence

Group Personal Accident

The group personal accident cover provides compensation to the employees of the insured for physical and visible body injury caused in an accident, as well as injuries that result in death or disablement. The policy provides employees as well as employee families with protection against accidents while on the job. It is best for corporates and institutions. The Personal accident cover provides compensation to the insured for physical and visible body injury caused in an accident. It goes on further to cover individuals if the injury as a sole cause results in death or disablement. This cover may be extended, at an additional charge, to include additional risks such as riot & strikes.
The group personal accident cover provides compensation to the employees of the insured for physical and visible body injury caused in an accident, as well as injuries that result in death or disablement. The policy provides employees as well as employee families with protection against accidents while on the job. It is best for corporates and institutions. The Personal accident cover provides compensation to the insured for physical and visible body injury caused in an accident. It goes on further to cover individuals if the injury as a sole cause results in death or disablement. This cover may be extended, at an additional charge, to include additional risks such as riot & strikes.

Burglary Insurance

Loss of or damage to the property insured whilst contained in the business or trade premises arising from theft consequent upon actual
  • Theft consequent upon actual forcible and violent entry into the insured premises
  • Theft or any attempt thereat by a person feloniously concealed on the said premises
  • Hold up or armed robbery
  • Damage to the building due to theft or attempt thereat.
Loss of or damage to the property insured whilst contained in the business or trade premises arising from theft consequent upon actual
  • Theft consequent upon actual forcible and violent entry into the insured premises
  • Theft or any attempt thereat by a person feloniously concealed on the said premises
  • Hold up or armed robbery
  • Damage to the building due to theft or attempt thereat.

Directors’ And Officers’ Liability

Directors’ & Officers’ Liability Insurance is very often referred to as D&O Insurance. It is in essence a Professional Indemnity Policy meant for the Management Team of a company. Succinctly put it is a Management Liability Policy. Losses covered under the policy include:
  • Judgements
  • Settlements
  • Defense Costs
WHAT IS COVERED
  • Management Liability
  • Protection of Non-Executive Board Members
Directors’ & Officers’ Liability Insurance is very often referred to as D&O Insurance. It is in essence a Professional Indemnity Policy meant for the Management Team of a company. Succinctly put it is a Management Liability Policy. Losses covered under the policy include:
  • Judgements
  • Settlements
  • Defense Costs
WHAT IS COVERED
  • Management Liability
  • Protection of Non-Executive Board Members

Professional Indemnity Cover

This policy covers legal liability for the consequence of error, omission or negligence, professional conduct and execution of the defined activities. It also covers the costs and expenses incurred in defense/settlement of a claim.
This policy covers legal liability for the consequence of error, omission or negligence, professional conduct and execution of the defined activities. It also covers the costs and expenses incurred in defense/settlement of a claim.

Medical Insurance

Under Clarkson's Medical covers, you enjoy benefits such as:-
  • Customized medical covers from a selection of underwriters to suit client's needs.
  • Administration of flexible Self-Funded Medical Schemes.
  • Confidential maintenance of Scheme Records and Member data.
  • Access to a countrywide panel of Service Providers
  • Medical Photo Cards for easy identification at the point of service.
  • Facilitation of admissions / discharges from hospitals.
  • Case Management.
  • 24 Hr. Help lines.
  • Benefit Utilization Reports.
  • Free Health Talks / Member Education.
  • Discounted rates from Service Providers accruing from large business volumes.
  • Claims administration anchored on a most reliable Medical System
  • Peace of mind and medical services 24 hrs a day 7 seven days a week anywhere anytime
Medical Products available at Clarkson Insured Schemes These are offered by Insurance Companies and Medical Insurance Providers and they are sourced and Serviced by Clarkson Self-Funded Schemes These are managed by:
  • Insurance Companies
  • Medical Insurance Providers
  • Fund Administrators (Clarkson)
Hybrid Schemes Normally described as the best of both worlds where the In Patient is Insured and Out Patient is Self-Funded. This is the most popular product with private and NGOs due to its flexibility in terms of benefits and scheme rules. Individual / Family Products
  1. These products are offered by Insurance Companies and HMOs (Health Maintenance Organizations)
  2. Sourced and serviced by Clarkson
Benefits available under the above schemes
  • In Patient Cover
  • Out Patient Cover
  • Dental Cover
  • Optical Cover
  • Maternity Cover
  • Last Expense Cover
  • Emergency Treatment Cover
  • Excess of Loss Covers
  • Travel Insurance
Scope of Our Covers: At Clarkson, all covers are arranged on a Super Enhanced Basis and Credit Facilities are set up on behalf of our clients. What does the term SUPER ENHANCED mean? It simply means tailor made medical covers by Clarkson to include the following:
  • HIV / Aids related illnesses
  • Chronic Conditions
  • Pre-Existing Conditions
  • Congenital Defects
  • Vaccinations
  • Pre-mature babies
  • Annual Medical Check-Ups
It is critical to note that all covers are issued subject to policy terms and conditions.
Under Clarkson's Medical covers, you enjoy benefits such as:-
  • Customized medical covers from a selection of underwriters to suit client's needs.
  • Administration of flexible Self-Funded Medical Schemes.
  • Confidential maintenance of Scheme Records and Member data.
  • Access to a countrywide panel of Service Providers
  • Medical Photo Cards for easy identification at the point of service.
  • Facilitation of admissions / discharges from hospitals.
  • Case Management.
  • 24 Hr. Help lines.
  • Benefit Utilization Reports.
  • Free Health Talks / Member Education.
  • Discounted rates from Service Providers accruing from large business volumes.
  • Claims administration anchored on a most reliable Medical System
  • Peace of mind and medical services 24 hrs a day 7 seven days a week anywhere anytime
Medical Products available at Clarkson Insured Schemes These are offered by Insurance Companies and Medical Insurance Providers and they are sourced and Serviced by Clarkson Self-Funded Schemes These are managed by:
  • Insurance Companies
  • Medical Insurance Providers
  • Fund Administrators (Clarkson)
Hybrid Schemes Normally described as the best of both worlds where the In Patient is Insured and Out Patient is Self-Funded. This is the most popular product with private and NGOs due to its flexibility in terms of benefits and scheme rules. Individual / Family Products
  1. These products are offered by Insurance Companies and HMOs (Health Maintenance Organizations)
  2. Sourced and serviced by Clarkson
Benefits available under the above schemes
  • In Patient Cover
  • Out Patient Cover
  • Dental Cover
  • Optical Cover
  • Maternity Cover
  • Last Expense Cover
  • Emergency Treatment Cover
  • Excess of Loss Covers
  • Travel Insurance
Scope of Our Covers: At Clarkson, all covers are arranged on a Super Enhanced Basis and Credit Facilities are set up on behalf of our clients. What does the term SUPER ENHANCED mean? It simply means tailor made medical covers by Clarkson to include the following:
  • HIV / Aids related illnesses
  • Chronic Conditions
  • Pre-Existing Conditions
  • Congenital Defects
  • Vaccinations
  • Pre-mature babies
  • Annual Medical Check-Ups
It is critical to note that all covers are issued subject to policy terms and conditions.

Group Life Assurance

A Group Life policy is arranged for employees of a company, to provide a lump sum amount for a deceased employee's beneficiaries. Cover is normally based on a multiple of an employee's annual salary A Funeral Expense Rider can be incorporated in the Group Life policy to provide for the deceased member's burial costs. Cover can also be arranged for individual members, for example the self-employed people who may not constitute a group.
A Group Life policy is arranged for employees of a company, to provide a lump sum amount for a deceased employee's beneficiaries. Cover is normally based on a multiple of an employee's annual salary A Funeral Expense Rider can be incorporated in the Group Life policy to provide for the deceased member's burial costs. Cover can also be arranged for individual members, for example the self-employed people who may not constitute a group.

Mortgage Protection Assurance

This cover pays the outstanding Mortgage loan to the financiers in the event of the death of a borrower. This ensures that the beneficiaries of a deceased borrower do not lose the asset financed if the borrower dies before redeeming the loan borrowed.
This cover pays the outstanding Mortgage loan to the financiers in the event of the death of a borrower. This ensures that the beneficiaries of a deceased borrower do not lose the asset financed if the borrower dies before redeeming the loan borrowed.

Credit Life Assurance

As with the Mortgage protection, this policy pays out the outstanding loan on the death of the borrower. The credit Life policy is however restricted to low amounts of cash, usually up to Kshs. 1,000,000/=
As with the Mortgage protection, this policy pays out the outstanding loan on the death of the borrower. The credit Life policy is however restricted to low amounts of cash, usually up to Kshs. 1,000,000/=

Term Assurances

Term Assurances are ideal for young families, where a lump sum, usually known as the Sum Assured, is paid out on the death of the insured person. This eases the burden on the surviving family in the event of the death of the breadwinner.
Term Assurances are ideal for young families, where a lump sum, usually known as the Sum Assured, is paid out on the death of the insured person. This eases the burden on the surviving family in the event of the death of the breadwinner.

Endowment Assurance

This product provides a combination of life cover with an investment element. It pays out the sum assured on the death of the life assured or, on survival to the end of the policy term, it pays out the maturity value. This is in contrast with the Term Assurance, which does not pay anything on the survival of the life assured to the end of the policy term.
This product provides a combination of life cover with an investment element. It pays out the sum assured on the death of the life assured or, on survival to the end of the policy term, it pays out the maturity value. This is in contrast with the Term Assurance, which does not pay anything on the survival of the life assured to the end of the policy term.

Personal Pension

As people develop through their lifetime they have an expectation that a time will come when they will be able to retire. For some people the State pension is sufficient to provide a basic level of income. Others may have an opportunity to accumulate wealth without using pension schemes - perhaps through their business ventures or other assets. But most people will want to supplement what they have with some form of pension scheme. Many employers also take the view that, while their employees are working, they should be building up an entitlement to a pension when they retire. Pension arrangements have a number of advantages:
  • When people come to retire they will experience a reduction in income - a pension makes up for some of this loss of income in retirement.
  • Pension schemes can provide protection in the form of lump sums and pensions to dependents in the event of a member's death;
  • In order to encourage pension schemes, the State provides tax relief on contributions made to pension schemes and the growth in their investments.
As people develop through their lifetime they have an expectation that a time will come when they will be able to retire. For some people the State pension is sufficient to provide a basic level of income. Others may have an opportunity to accumulate wealth without using pension schemes - perhaps through their business ventures or other assets. But most people will want to supplement what they have with some form of pension scheme. Many employers also take the view that, while their employees are working, they should be building up an entitlement to a pension when they retire. Pension arrangements have a number of advantages:
  • When people come to retire they will experience a reduction in income - a pension makes up for some of this loss of income in retirement.
  • Pension schemes can provide protection in the form of lump sums and pensions to dependents in the event of a member's death;
  • In order to encourage pension schemes, the State provides tax relief on contributions made to pension schemes and the growth in their investments.

Annuities

An individual may wish to utilize a lump sum amount to purchase an annuity. This is a regular payment made to a retired member. An annuity may be funded from the proceeds of a provident scheme. The annuity ensures that the recipient continues receiving the regular payment for a longer duration
An individual may wish to utilize a lump sum amount to purchase an annuity. This is a regular payment made to a retired member. An annuity may be funded from the proceeds of a provident scheme. The annuity ensures that the recipient continues receiving the regular payment for a longer duration

Single Premium Immediate Annuity

A single premium immediate annuity is a contract with an insurance company whereby you pay them a sum of money up front and they pay you a certain amount of money periodically for the rest of your life.
A single premium immediate annuity is a contract with an insurance company whereby you pay them a sum of money up front and they pay you a certain amount of money periodically for the rest of your life.

Provident Fund Schemes

These are arranged by an employer to provide for their employees a lump sum amount on their retirement. The employer may decide to contribute and exempt the employees from contributing, although in most schemes both the employer and employees contribute towards the fund. On retirement a lump sum amount is paid to the retiring member.
These are arranged by an employer to provide for their employees a lump sum amount on their retirement. The employer may decide to contribute and exempt the employees from contributing, although in most schemes both the employer and employees contribute towards the fund. On retirement a lump sum amount is paid to the retiring member.

Pension Schemes

These are schemes that provide a retiring member with a regular pension, unlike the provident fund schemes which pay out a lump sum payment. A retiring member is allowed under the law to withdraw up to 1/3 of the accumulated amount as a lump sum, and the balance utilized to buy a pension.
These are schemes that provide a retiring member with a regular pension, unlike the provident fund schemes which pay out a lump sum payment. A retiring member is allowed under the law to withdraw up to 1/3 of the accumulated amount as a lump sum, and the balance utilized to buy a pension.

Group Personal Pension Plan

As an employer, you need to be able to attract and retain high calibre staff. One of the ways in which several leading organizations do this is through the establishment of a Retirement Benefits Scheme. The principle objective of Employers setting up a Retirement Benefits Scheme is to provide:-
  • Tax benefits for their employees while in employment upon their retirement and
  • Financial security benefits upon their retirement
  • Widows/widowers and dependents’ benefits in the event of death before retirement
As an employer, you need to be able to attract and retain high calibre staff. One of the ways in which several leading organizations do this is through the establishment of a Retirement Benefits Scheme. The principle objective of Employers setting up a Retirement Benefits Scheme is to provide:-
  • Tax benefits for their employees while in employment upon their retirement and
  • Financial security benefits upon their retirement
  • Widows/widowers and dependents’ benefits in the event of death before retirement

Occupation Retirement Benefit Scheme

This benefit is set up as defined contribution schemes where both the employer and employees contributes a certain amount as determined at the onset of the scheme. Under this scheme, there are two services, namely:
  • Deposit Administration (Fund Management) and
  • Benefits/Scheme Administration.
At the time of retirement, the overall benefit is determined by the total amount of contributions and the accrued interest earned on the contributions.
This benefit is set up as defined contribution schemes where both the employer and employees contributes a certain amount as determined at the onset of the scheme. Under this scheme, there are two services, namely:
  • Deposit Administration (Fund Management) and
  • Benefits/Scheme Administration.
At the time of retirement, the overall benefit is determined by the total amount of contributions and the accrued interest earned on the contributions.

Clarkson Last Mile

The Last Mile Product ensures security when faced with the unfortunate demise of a loved one, assisting you in planning better for the future and avoiding financial burden. As you lay your loved one to rest, take heart knowing your needs are met. Don’t wait until it is time to attend the harambee, plan now knowing the inevitable is secure.
The Last Mile Product ensures security when faced with the unfortunate demise of a loved one, assisting you in planning better for the future and avoiding financial burden. As you lay your loved one to rest, take heart knowing your needs are met. Don’t wait until it is time to attend the harambee, plan now knowing the inevitable is secure.

David M. Nyende

Education

Mr. David Nyende holds a Bachelor’s degree in Commerce (Accounting) from Makerere University; he is a fellow of Association of Chartered Certified Accountants, UK (FCCA) and a member of the Uganda Institute of Certified Public Accountants (CPA). He holds a Post Graduate Specialty Certificate in Forensic (Fraud) and Investigative Audits from the Business School of the University of British Columbia, Canada.

Career

He is currently a Practising accountant/auditor with Continental Partners, Certified Public Accountants where he is the Principal (Managing) Partner, with special focus on Public Sector Reforms.

Mr. Nyende started his working career in Nigeria as an Audit Trainee in an audit firm before moving to the UK where he qualified as a Chartered Certified Accountant. Thereafter, he relocated to Bonn, capital of then West Germany. Here, he worked in a medium motor vehicle agency company.

He returned to Uganda in 1987 and joined Makerere University as University Bursar. After two years he moved to then Uganda Posts & Telecommunications Corporation (UPTC) as Director of Finance & Accounts. In mid-1991, he left Uganda for neighboring Kenya to work for an International Environment NGO as Finance Manager. After three years, he joined the United Nations (UNCHS-Habitat) as a Deputy Chief of Finance.

In 1998, Mr. Nyende opted to pursue interests in private Sector as a Consultant with special focus on Public Sector.

It is in this capacity that Mr. Nyende has undertaken diverse assignments in regional governments as outlined below:

  • Financial Systems Advisor (DFID-funded) – Government of Tanzania, in the Civil Service Department and Ministry of Finance.

  • Financial Advisor and Public Sector Financial Management Specialist – Government of Uganda (GOU) in diverse Ministries, Departments and Agencies (MDAs):

    • Divestiture of Uganda Airlines (2000).

    • Ministry of Finance, Planning and Economic Development (World Bank-funded) – automating GOU’s Financial systems (IFMS).

    • Nile Hotel International, Kampala: Concession Audit to verify refurbishments of Kampala Serena Hotel by M/S TP.

    • Office of the Prime Minister (OPM): Development of a Strategic Investment Plan (SIP) for the Public Sector Management (PSM) Sector.

    • Office of the Prime Minister (OPM): Review of MDA (16) targets for Key performance indicators for FY 2011/12.

    • Ministry of Energy and Mineral Development (MEMD): Development and documentation of a Strategic Investment Plan (SIP) for the Energy and Mineral Development (EMD) Sector.

    • Office of the Prime Minister (OPM): Conducting Local Government Performance Assessment country-wide.

    • Development of a Strategic Investment Plan (SIP) for the Public Sector Management (PSM) Sector.

  • Public Sector Financial Management Specialist, Government of Southern Sudan, Juba: Capacity Building in Budgeting and MTEF in the Ministry of Agriculture and Forestry, the Ministry of Animal Resources and Fisheries and the Ministry Industry and Mining.

Others present and former preoccupations:

  • Currently, Board Member, Nakasero Hospital Ltd.

  • Currently, Board Member, Clarkson Insurance Ltd, Uganda, Kenya & Tanzania.

  • Currently, Board Member, Joint Clinical Research Center (JCRC).

  • Former Board Member, KCB Bank Uganda Ltd.

  • Former Chairman, Board of Directors, Uganda Bureau of Statistics (UBOS)

  • Former Chairman, Governing Council, Management Training Advisory Council (MTAC)

  • Former President, Rotary Club of Kololo.

Mr. Nyende speaks fluently Swahili, English and German.

Director

Director

Education

Mr. David Nyende holds a Bachelor’s degree in Commerce (Accounting) from Makerere University; he is a fellow of Association of Chartered Certified Accountants, UK (FCCA) and a member of the Uganda Institute of Certified Public Accountants (CPA). He holds a Post Graduate Specialty Certificate in Forensic (Fraud) and Investigative Audits from the Business School of the University of British Columbia, Canada.

Career

He is currently a Practising accountant/auditor with Continental Partners, Certified Public Accountants where he is the Principal (Managing) Partner, with special focus on Public Sector Reforms.

Mr. Nyende started his working career in Nigeria as an Audit Trainee in an audit firm before moving to the UK where he qualified as a Chartered Certified Accountant. Thereafter, he relocated to Bonn, capital of then West Germany. Here, he worked in a medium motor vehicle agency company.

He returned to Uganda in 1987 and joined Makerere University as University Bursar. After two years he moved to then Uganda Posts & Telecommunications Corporation (UPTC) as Director of Finance & Accounts. In mid-1991, he left Uganda for neighboring Kenya to work for an International Environment NGO as Finance Manager. After three years, he joined the United Nations (UNCHS-Habitat) as a Deputy Chief of Finance.

In 1998, Mr. Nyende opted to pursue interests in private Sector as a Consultant with special focus on Public Sector.

It is in this capacity that Mr. Nyende has undertaken diverse assignments in regional governments as outlined below:

  • Financial Systems Advisor (DFID-funded) – Government of Tanzania, in the Civil Service Department and Ministry of Finance.

  • Financial Advisor and Public Sector Financial Management Specialist – Government of Uganda (GOU) in diverse Ministries, Departments and Agencies (MDAs):

    • Divestiture of Uganda Airlines (2000).

    • Ministry of Finance, Planning and Economic Development (World Bank-funded) – automating GOU’s Financial systems (IFMS).

    • Nile Hotel International, Kampala: Concession Audit to verify refurbishments of Kampala Serena Hotel by M/S TP.

    • Office of the Prime Minister (OPM): Development of a Strategic Investment Plan (SIP) for the Public Sector Management (PSM) Sector.

    • Office of the Prime Minister (OPM): Review of MDA (16) targets for Key performance indicators for FY 2011/12.

    • Ministry of Energy and Mineral Development (MEMD): Development and documentation of a Strategic Investment Plan (SIP) for the Energy and Mineral Development (EMD) Sector.

    • Office of the Prime Minister (OPM): Conducting Local Government Performance Assessment country-wide.

    • Development of a Strategic Investment Plan (SIP) for the Public Sector Management (PSM) Sector.

  • Public Sector Financial Management Specialist, Government of Southern Sudan, Juba: Capacity Building in Budgeting and MTEF in the Ministry of Agriculture and Forestry, the Ministry of Animal Resources and Fisheries and the Ministry Industry and Mining.

Others present and former preoccupations:

  • Currently, Board Member, Nakasero Hospital Ltd.

  • Currently, Board Member, Clarkson Insurance Ltd, Uganda, Kenya & Tanzania.

  • Currently, Board Member, Joint Clinical Research Center (JCRC).

  • Former Board Member, KCB Bank Uganda Ltd.

  • Former Chairman, Board of Directors, Uganda Bureau of Statistics (UBOS)

  • Former Chairman, Governing Council, Management Training Advisory Council (MTAC)

  • Former President, Rotary Club of Kololo.

Mr. Nyende speaks fluently Swahili, English and German.

Charles K Muhoozi

Charles is the Chief Executive Officer and Director Clarkson Insurance Brokers. He is the Team Leader Uganda with over 30 years’ of experience in Corporate Management. Charles has held senior positions in various organizations and currently serves in the Board of different Institutions. Prior to joining Clarkson in 2012 as Director, Charles worked with East African Breweries Ltd and NSSF-Uganda. He holds a Bachelor Degree in Art from the University of Zambia.

Chief Executive Officer

Chief Executive Officer

Charles is the Chief Executive Officer and Director Clarkson Insurance Brokers. He is the Team Leader Uganda with over 30 years’ of experience in Corporate Management. Charles has held senior positions in various organizations and currently serves in the Board of different Institutions. Prior to joining Clarkson in 2012 as Director, Charles worked with East African Breweries Ltd and NSSF-Uganda. He holds a Bachelor Degree in Art from the University of Zambia.

Alex Makata

Alex is a Chartered Insurer and Practitioner with over 15 years’ experience in General Insurances. He joined Clarkson Insurance Brokers in 2017. Alex holds a Bachelor of Statistics degree from Makerere University, a Diploma in Insurance from Chartered Insurance Institute – UK. At Clarkson, Alex oversees and directs the general operations, insurance broking, claims handling for life and non-life insurance classes’ placement and servicing. He has served in key positions with major Insurance companies including Gold Star Insurance, ICEA General Insurance and UAP Old Mutual. He is also the General Secretary of the Insurance Brokers Association of Uganda (IBAU).

General Manager

General Manager

Alex is a Chartered Insurer and Practitioner with over 15 years’ experience in General Insurances. He joined Clarkson Insurance Brokers in 2017. Alex holds a Bachelor of Statistics degree from Makerere University, a Diploma in Insurance from Chartered Insurance Institute – UK. At Clarkson, Alex oversees and directs the general operations, insurance broking, claims handling for life and non-life insurance classes’ placement and servicing. He has served in key positions with major Insurance companies including Gold Star Insurance, ICEA General Insurance and UAP Old Mutual. He is also the General Secretary of the Insurance Brokers Association of Uganda (IBAU).

Angela Babirye

Angela is the operations Manager for Clarkson Insurance Brokers – Uganda. She joined Clarkson in 2016 with over 16yrs of experience in Financial and Insurance Industry. She is a Senior Technical staff responsible for technical operations, insurance broking, claims handling for life and non-life classes’ placement and servicing. Angela holds a Master of Business Administration in Finance from Uganda Martyrs University-Nkozi, a Bachelor of commerce degree in Accounting from Makerere University, a Diploma in Insurance from Chartered Insurance Institute - UK and she is a Chartered Insurer and Practitioner. Angela worked in senior positions with AON-Uganda/Minet Ltd Insurance Brokers and Stanbic Bank Ltd.

Operations Manager

Operations Manager

Angela is the operations Manager for Clarkson Insurance Brokers – Uganda. She joined Clarkson in 2016 with over 16yrs of experience in Financial and Insurance Industry. She is a Senior Technical staff responsible for technical operations, insurance broking, claims handling for life and non-life classes’ placement and servicing. Angela holds a Master of Business Administration in Finance from Uganda Martyrs University-Nkozi, a Bachelor of commerce degree in Accounting from Makerere University, a Diploma in Insurance from Chartered Insurance Institute - UK and she is a Chartered Insurer and Practitioner. Angela worked in senior positions with AON-Uganda/Minet Ltd Insurance Brokers and Stanbic Bank Ltd.

Milton Maate

Milton is the chief Accountant for Clarkson Insurance Brokers. He joined Clarkson in 2015 with wealth of knowledge in Organizing and Tracking Financial Information, Corporate Finance, Financial Analysis and Reporting, Budget Management and Financial Compliance. Currently in his last level of ACCA, Milton holds a Bachelor Degree in Business Administration from Makerere University majoring in Accounting. In Clarkson, he is tasked with overseeing and monitoring all financial transactions of the business. Prior to joining Clarkson, Milton worked with Financial and Insurance Companies including Bayport Financial Services Uganda and First Insurance Company Ltd Uganda.

Chief Accountant

Chief Accountant

Milton is the chief Accountant for Clarkson Insurance Brokers. He joined Clarkson in 2015 with wealth of knowledge in Organizing and Tracking Financial Information, Corporate Finance, Financial Analysis and Reporting, Budget Management and Financial Compliance. Currently in his last level of ACCA, Milton holds a Bachelor Degree in Business Administration from Makerere University majoring in Accounting. In Clarkson, he is tasked with overseeing and monitoring all financial transactions of the business. Prior to joining Clarkson, Milton worked with Financial and Insurance Companies including Bayport Financial Services Uganda and First Insurance Company Ltd Uganda.

Joel Kimera

Joel is the Chief Internal Auditor for Clarkson Group with over 13 years’ experience in Accounting, Auditing, Taxation and Management. He oversees compliance with Management control frameworks and adherence to statutory/regulatory guidelines. Currently pursuing his CTA (Certified Tax Advisor), Joel holds a Master degree in Business Administration from Makerere University, a Diploma in Taxation and Revenue Administration from east African School of Taxation, CPAU from Institute of Certified Public Accountant Uganda, and a Bachelor degree in Entrepreneurship and Small Business Management from Makerere University. Joel has experience in both External and internal Auditing having audited over 100 firms. He is also a Tutor of CPA and ACCA at MAT (Management and Accounting Training).

Chief Internal Auditor

Chief Internal Auditor

Joel is the Chief Internal Auditor for Clarkson Group with over 13 years’ experience in Accounting, Auditing, Taxation and Management. He oversees compliance with Management control frameworks and adherence to statutory/regulatory guidelines. Currently pursuing his CTA (Certified Tax Advisor), Joel holds a Master degree in Business Administration from Makerere University, a Diploma in Taxation and Revenue Administration from east African School of Taxation, CPAU from Institute of Certified Public Accountant Uganda, and a Bachelor degree in Entrepreneurship and Small Business Management from Makerere University. Joel has experience in both External and internal Auditing having audited over 100 firms. He is also a Tutor of CPA and ACCA at MAT (Management and Accounting Training).

Arnold Baguma

Arnold is the Manager in charge of Business Development with over 13 years’ experience in General Insurances, Risk Management, Loss Prevention and Business Relationship Management. He is Chartered Insurer with a Bachelor of Business Administration degree from Makerere University and a Diploma in General Insurance from ANZIIF. At Clarkson, he oversees the administration and sale of general insurances. Arnold brings wealth of knowledge in Insurance Products having served in key positions with Insurance Companies including Lead Insurance Co. Ltd, Southern Union Insurance Brokers and Minet Ltd Insurance Brokers.

 

Business Development Manager

Business Development Manager

Arnold is the Manager in charge of Business Development with over 13 years’ experience in General Insurances, Risk Management, Loss Prevention and Business Relationship Management. He is Chartered Insurer with a Bachelor of Business Administration degree from Makerere University and a Diploma in General Insurance from ANZIIF. At Clarkson, he oversees the administration and sale of general insurances. Arnold brings wealth of knowledge in Insurance Products having served in key positions with Insurance Companies including Lead Insurance Co. Ltd, Southern Union Insurance Brokers and Minet Ltd Insurance Brokers.

 

Morris Komakech

Morris joined Clarkson Insurance Brokers – Uganda in 2019 with over 2 years’ experience in Strategic Human Resource Management. He heads the Human Resources and Administration at Clarkson. Morris holds a Bachelor degree in Industrial and Organizational Psychology from Makerere University and is a professional member of Human Resource Managers’ Association of Uganda (HRMAU). Morris brings a mixture of wealth in People Management and Organization Development with prior experience in public service. He has also worked with Sanlam Life Insurance Uganda and NSSF – Uganda.

Human Resource Officer

Human Resource Officer

Morris joined Clarkson Insurance Brokers – Uganda in 2019 with over 2 years’ experience in Strategic Human Resource Management. He heads the Human Resources and Administration at Clarkson. Morris holds a Bachelor degree in Industrial and Organizational Psychology from Makerere University and is a professional member of Human Resource Managers’ Association of Uganda (HRMAU). Morris brings a mixture of wealth in People Management and Organization Development with prior experience in public service. He has also worked with Sanlam Life Insurance Uganda and NSSF – Uganda.

Loi Luwedde

Loi has over 11 years of experience in General Insurances, Risk Management, claims Management and Training. She holds a Bachelor degree in Development Studies from Makerere University, a Post Graduate Diploma in Financial Management from Uganda Management Institute, a Diploma in Insurance from Chartered Insurance Institute - UK, a Certificate of Proficiency from College of Insurance – Nairobi and a Certificate in Claims Handling from Chartered Insurance Institute – UK. Loi oversees General Insurances underwriting and clients’ relations management. She is a Chartered Insurer and has worked with Family Insurance Service, Southern Union Insurance Brokers, Chancery Wright Insurance Brokers and Marsh Uganda Ltd.

Senior Technical Officer

Senior Technical Officer

Loi has over 11 years of experience in General Insurances, Risk Management, claims Management and Training. She holds a Bachelor degree in Development Studies from Makerere University, a Post Graduate Diploma in Financial Management from Uganda Management Institute, a Diploma in Insurance from Chartered Insurance Institute - UK, a Certificate of Proficiency from College of Insurance – Nairobi and a Certificate in Claims Handling from Chartered Insurance Institute – UK. Loi oversees General Insurances underwriting and clients’ relations management. She is a Chartered Insurer and has worked with Family Insurance Service, Southern Union Insurance Brokers, Chancery Wright Insurance Brokers and Marsh Uganda Ltd.

Irene Birungi

Irene is the Supervisor Medical Business at Clarkson. She joined Clarkson in 2017 with over 7 years’ experience in General Insurances, Medical Business and clients relations Management. Currently pursuing a Diploma in Insurance from Insurance Institute of Uganda, Irene holds a Bachelor Degree in Business Administration in Marketing from Makerere University. At Clarkson Irene oversees the Medical Business, Client Servicing and Medical Business Development. Irene has worked for major insurance companies including AON currently Minet Ltd Uganda and Lion Assurance.

Accounts Service Supervisor – Medical

Accounts Service Supervisor – Medical

Irene is the Supervisor Medical Business at Clarkson. She joined Clarkson in 2017 with over 7 years’ experience in General Insurances, Medical Business and clients relations Management. Currently pursuing a Diploma in Insurance from Insurance Institute of Uganda, Irene holds a Bachelor Degree in Business Administration in Marketing from Makerere University. At Clarkson Irene oversees the Medical Business, Client Servicing and Medical Business Development. Irene has worked for major insurance companies including AON currently Minet Ltd Uganda and Lion Assurance.

Talib Kasujja

Talib is the Claims Supervisor with over 9yrs in Insurance Claims handling and Client Relations Management. He joined Clarkson Insurance Brokers – Uganda in 2014. Talib is pursuing a Diploma in Insurance from Insurance Institute of Uganda, holds a Certificate in Motor Vehicle Engineering and a Certificate of Proficiency from College of Insurance – Nairobi. Talib has wealth of experience and knowledge in General Insurances Claims Management, Risk management, Loss Prevention and Clients’ claims related issues. Prior to joining Clarkson, he worked with Rock Insurance Services, Birungi Dairies Ltd and Alpha Dairy Products.

Claims Supervisor

Claims Supervisor

Talib is the Claims Supervisor with over 9yrs in Insurance Claims handling and Client Relations Management. He joined Clarkson Insurance Brokers – Uganda in 2014. Talib is pursuing a Diploma in Insurance from Insurance Institute of Uganda, holds a Certificate in Motor Vehicle Engineering and a Certificate of Proficiency from College of Insurance – Nairobi. Talib has wealth of experience and knowledge in General Insurances Claims Management, Risk management, Loss Prevention and Clients’ claims related issues. Prior to joining Clarkson, he worked with Rock Insurance Services, Birungi Dairies Ltd and Alpha Dairy Products.

Sebastian Nkrumah

Sebastian is the Managing Director and Principal Officer Clarkson Insurance Brokers-Tanzania. He holds a Bachelor of Science Degree in Insurance & Risk Management and Certificate in IT.

Managing Director/Principal Officer

Managing Director/Principal Officer

Sebastian is the Managing Director and Principal Officer Clarkson Insurance Brokers-Tanzania. He holds a Bachelor of Science Degree in Insurance & Risk Management and Certificate in IT.

Mariam Charles

Mariam is the Accountant for Clarkson Insurance Brokers-Tanzania. He joined Clarkson in 2018 with wealth of experience in Organizing Financial Information, Corporate Finance, Financial Reporting, Budgeting and Compliance.

Accountant

Accountant

Mariam is the Accountant for Clarkson Insurance Brokers-Tanzania. He joined Clarkson in 2018 with wealth of experience in Organizing Financial Information, Corporate Finance, Financial Reporting, Budgeting and Compliance.

Judith Sangu

Judith is the Business Development Executive with experience in General Insurances and Business Relationship Management in the insurance industry in Tanzania. She holds a Bachelor of Science Degree in Public Relations.

Business Development Executive

Business Development Executive

Judith is the Business Development Executive with experience in General Insurances and Business Relationship Management in the insurance industry in Tanzania. She holds a Bachelor of Science Degree in Public Relations.

Hasan Yusuph Kazi

Hassan is the Insurance Officer for Clarkson Insurance Brokers – Tanzania. He joined Clarkson in 2017 and is responsible for technical operations, insurance broking, claims handling and accounts servicing. Hassan holds a Diploma in Insurance.

Insurance Officer

Insurance Officer

Hassan is the Insurance Officer for Clarkson Insurance Brokers – Tanzania. He joined Clarkson in 2017 and is responsible for technical operations, insurance broking, claims handling and accounts servicing. Hassan holds a Diploma in Insurance.

Mwanaidy Hamdani

Mwanaidy is the Underwriting Officer for Clarkson Insurance Brokers-Tanzania. She oversees General Insurance underwriting and clients’ relationship management.

Underwriting Officer

Underwriting Officer

Mwanaidy is the Underwriting Officer for Clarkson Insurance Brokers-Tanzania. She oversees General Insurance underwriting and clients’ relationship management.