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  • Expenses incurred to prevent or mitigate a loss.

  • General Average losses and General Average contributions.

  • Landing, warehousing and forwarding charges incurred as the result of an insured peril.


 Third Party Only (TPO)

  • This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.


Our auto policies cover the following vehicle types:


» Private Cars - These will include Saloons, Station wagons, Estates, and the large Four Wheel Drives (4X4). The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.


» Commercial vehicles - These will range from small half ton pick ups to the large monster trucks on the roads. They will also include vans and company/school buses.


Coverage Options Include:

Marine Cargo

Coverage that provides you with solid protection from the moment your goods leave the warehouse until they arrive at their eventual destination. Options include:


  • All Risk Insurance – The insurance provides indemnity against loss or damage to specified items as a result of any cause within the geographical area specified in the policy.

The insurance protection you need for your personal or commercial property. Coverage Options Include:

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Horn of Africa House

(Guriga Geeska Africa)

Bada Cas Area

Hargeisa, Somaliland


Tel: (+252) 571114


Sunday - Thursday

8:00 am to 12:00 pm

2:00 pm to 6:00 pm

Friday & Saturday - Closed




  • This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, etc.


  • Fire and Perils Insurance - The basic Fire policy provides indemnity against loss or damage to property described, caused by fire, lightning and explosion.

  • Burglary Insurance – Provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises. Assets, such as office equipment, stock in trade, furniture, fixtures and fittings are covered under this category.

  • Consequential Loss Insurance - This form of insurance is also known as Business Interruption. It is concerned with paying for the consequences of a material damage loss.

  • Loss or damage resulting from war risks, strikes, riots and/or civil commotion.

  • Theft and Hijacking.

  • Shortage and Non-delivery.

  • Loading and unloading

Offering individual, family, and corporate health insurance plans. Coverage options include:

  • Routine outpatient consultation.

  • Diagnostic laboratory & radiology services.

  • Prescribed drugs and dressings.

  • Routine immunizations.

  • Inpatient benefits