Overview
In an increasingly digitized business environment, cyber threats represent one of the fastest-growing risks for Kenyan businesses. From ransomware attacks to data breaches, phishing fraud to system outages — the financial, reputational and operational consequences can be devastating. Hamarkoh Insurance Agency provides cyber insurance that gives businesses immediate access to incident response experts and financial protection against the full spectrum of cyber risks.
Key Benefits
- Data breach notification and response costs
- Cyber extortion and ransomware payments
- Business interruption from cyber incident
- Third-party liability for customer data compromise
- Digital asset restoration and forensics
- Regulatory fines and legal defence (where insurable)
- Crisis management and PR support
What Is Not Covered (Exclusions)
- Physical damage to hardware (covered under property policy)
- Losses from unpatched, known vulnerabilities
- Theft by employees acting with management knowledge
- Pre-existing breaches not disclosed at inception
Claims Process
Contact Hamarkoh immediately after an incident. Our claims team will guide you through gathering the necessary documents and submitting your claim. We liaise directly with the underwriter on your behalf and keep you informed at every stage until your claim is settled.