Our Packages
Customized Solutions
Life Insurance
AFRICA RE offers you flexible and affordable Term Life Insurance options that are simple to apply for and provide comprehensive coverage. AFRICA RE Term Life Insurance has a tax-free benefit that is paid directly to your chosen beneficiary to be used as they choose. Term Life Insurance from H & S Insurance services also comes with optional add-ons like Critical Illness and Waiver of Premium Rider to help you maximize your coverage.
Term Life Insurance at a Glance
Term life insurance, also known as temporary life insurance, is by far the most popular and well-known type of life insurance plan available in Canada, and East Africa.
Benefits of Term Life Insurance
There are numerous benefits to a term life insurance policy, including being the most affordable type of life insurance.
What Can Your Insurance Coverage Protect?
Any assets or debts you want to protect can be covered with the right life insurance policy. While everyone has their own unique circumstances that drive them to get term life insurance policies, these are some of the common scenarios to consider.
Your Guarantees with Term Life Insurance
When you own a term life policy, your policy allows you some guarantees which ensure that your policy is exactly what you need it to be.
Getting Insured Without a Medical Exam
For individuals concerned that their health or insurance history may make it difficult to get life insurance, we offer No Medical term life coverage that can be obtained without the need for a medical exam or doctor's visit. To learn more about this type of insurance
Homeowners Insurance
The Protection You Need
We offer different packages tailored to meet your personal, ever-changing needs. Our team is happy to answer your questions and make personalised recommendations for the best Homeowners Insurance for your circumstances. Book an appointment to find out more.
Why homeowner’s insurance is so important
Your home is probably the largest purchase you’ll ever make. And it’s not just an investment — it’s the hub of your family’s everyday life. That’s why you need to protect your home against fire, floods or other disasters — threats that can change everything in the blink of an eye.
When something happens to your home or your family’s possessions, the distress can be overwhelming. The last thing you want to worry about is how you’ll replace what’s been lost.
With comprehensive homeowner’s insurance, you’ll have the peace of mind of knowing that your property and its contents are protected.
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All risks: Covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.
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Water damage coverage*: Be protected with additional coverage for your home from extensive water damage from a variety of water-related scenarios. Covers events which cause water damage by sewer back up and sump overflow, below ground seepage through foundations and floors, and overland water from any stream or body of freshwater which enters the home.
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Extended Water Damage Coverage: Get extra coverage against water backing up from sewers or septic tanks and against overland water from any stream or body of freshwater which enters the home.
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Rebuilding to code: Additional costs to repair or rebuild your home to code are covered up to the amount of coverage.
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Personal liability: You’re protected in case a visitor gets injured inside your home, or if you’ve accidentally damaged someone’s property and have to pay for the damages.
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Additional living expenses: Includes temporary accommodations so you can stay somewhere comfortable if you cannot stay at home.
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Legal and home assistance*: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors.
Cargo Insurance
As goods move across sea, land, or international borders, tracking them becomes increasingly important and difficult.
For example, with globalization resulting in greater trade with developing countries, the risk of theft or damage to goods in transit continues to rise. Meanwhile, advances in technology are sharpening customers’ expectations in relation to manufacturing and distribution lead times. Companies today are fully aware of the damage that failure to deliver can bring to their business relationships, so confidence in prompt, reliable delivery is a simple commercial necessity.
Our cargo insurance programs are designed to provide comprehensive coverage for goods in transit for manufacturers, importers and exporters, commodity traders, logistics companies and more. We can also provide numerous extensions to coverage such as pure domestic transit movements, warehouse, storage, exhibition, and processing or consolidation risks.
Features & Benefits
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Global coverage with local policies where needed for multinational risks
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Limits among the highest in the industry
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Flexible programs, tailored for client needs
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Comprehensive coverage for goods in transit can be enhanced to include warehouse storage for consolidation risks
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Underwriting, claims, recovery, loss control and risk management services provided by marine specialists throughout the world
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Fully combined property and marine cargo policy available with LexPILOTSM (Property Income Loss and Ocean Transit)
Coverage
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All risk and third party coverage for exporters and importers (including stock throughput), multinational accounts (including captives), freight forwarders and infrastructure projects
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Advance Loss of Profit (ALOP) / Delay in Start-Up (DSU) coverage available on project cargo programs
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Warehouse storage enhancement available on request
Air cargo insurance
Air cargo insurance is a type of policy that protects a buyer or seller of goods being transported through the air. It reimburses the insured for items that are damaged, destroyed or lost.
Air cargo insurance premiums typically are calculated based on the value of the insured items, whether they are hazardous, where they are being transported and the route that they’ll take to their destination. A close cousin of air cargo insurance is marine cargo insurance, which protects goods that are transported over water.
Most air-freight companies provide a minimum amount of insurance for all freight, which is called carrier liability. This coverage is typically scant, however, and also may have many exclusions; it may not cover flooding, earthquakes or other natural disasters, for example. As a result, many air-cargo customers require additional insurance to guard against breakage, theft, lost merchandise, and in some cases, the cargo not arriving in time, resulting in a consequential loss.
We can offer you any possible way of air cargo insurance from a single shipment policy to highly complex open contract covering all cargo in all destinations during a certain period of time. Despite the fact that the book of cargo insurance conditions is as thick as Tolkien’s “Lord of the Rings” there are two basic principles of how to insure your cargo, namely:
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Against all risks — meaning that you will be compensated for any damage to your cargo unless damage was caused by peril specially listed in the “exclusions” section of your policy wording. Furthermore, the insurer will have to prove it.
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Against named risks (or perils) — meaning that you will be compensated for damage to your cargo only if such damage was caused by a risk listed in your policy wording. And, you got it right, you will have to prove it.
You may know that we are not only always trying to understand our clients’ logistics details and work out best possible insurance solution, but also ensure that your claims (touch wood that these would never happen) are handled in a professional way.
And, of course, we will never forget our freight forwarding friends, who can enjoy our internet based cargo insurance declaration system, which allows them to provide additional cargo insurance service for their customers 24/7.
EXPRESS SECURE LOGISTICS
EXPRESS SECURE LOGISTICS
Your Responsible Transportation Solution
H & S is a company made up of military veterans, first responders, and cargo/freight logistics specialists focusing on delivering secured physical and digital, quality assured, end-to-end ground & air transportation logistics solutions.
Supply chain disruptions globally are resulting in businesses experiencing an elevated risk of missing deadlines, increased costs, bottlenecks, product damage and elevated risk of loss, theft and increased insurance premiums.
Businesses manufacturing or selling climate-sensitive, high-risk, and high-value products need a specialized and sustainable transportation solution dedicated to the specific needs and requirements surrounding the movement of controlled, dangerous, and priceless goods.
INDUSTRIES WE SERVE
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PHARMACEUTICAL
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CANNABIS
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FINE WINES
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PRECIOUS METALS & STONES
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FIREARMS & MUNITIONS
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CURRENCIES
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FINE ARTWORK / MUSEUMS
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NUCLEAR / RADIOACTIVE
THE H & S DIFFERENCE
If your products are considered climate-sensitive, high-risk, or high-value in nature, you are likely requiring a smart, specialized and dedicated service that offers special care in the handling, full (blockchain-based) visibility of climate exposure and chain of custody and that the operators tasked with moving your products have the proper training, protection and specialized fleet/equipment needed to mitigate any and all unforeseen or unpredictable risks.
After all, your business interests depend on your freight arriving at its destination undamaged, in the highest of quality and with full capability of auditing your supply chain minute-by-minute.
At H & S, we believe that a strong, proactive and cutting-edge, smart-tech transportation service is both needed and paramount to ensuring mission success. You have worked hard to create a product that everyone desires and your product quality is what you are known and respected for. You have spent an incredible amount of time and money on acquiring customers, marketing, infrastructure and opportunities, and you owe it to your business to source a dedicated solution that mitigates unseen risks throughout your supply chain both digitally and physically.
AFRICA RE ’s secure logistics solutions is committed to ensuring your freight arrives at its destination in the same condition it was shipped.
SAFEKEEPING
Secure, safe way for owners to keep items safe from damage, loss or theft. Available for specific, short periods of time.
SAFEKEEPING
Secure, safe way for owners to keep items safe from damage, loss or theft. Available for specific, short periods of time.
Safety Deposit Boxes
In-vault safety deposit boxes are available at Service Centres, security companies, Banks to provide secure storage for your important documents, valuables and keepsakes.
Safety Deposit Box Sizes:
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1.5" x 5"
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2.5" x 5"
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3.25" x 5"
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5" x 5"
Night Deposit
Convenient, safe, around-the-clock deposit. Protects against loss or theft and avoids possession of excess cash.
Night depository available at each Service Centre.