Most insurers won't touch a certified gemstone or a project finance guarantee. We built our underwriting desk around both.
Flagship line
Cover for dealers, collectors, miners and jewellers — built on certified valuations and total discretion.
Flagship line
Risk instruments that make projects bankable — trusted by lenders, contractors and developers across the region.
Beyond our specialty desk, we run a complete book of personal and commercial lines — each with the same underwriting discipline.
Property, liability, business interruption and group schemes for SMEs to enterprises.
Learn moreIndividual, family and corporate medical cover with regional and international options.
Learn moreTerm life, whole life, education plans and funeral cover that protect generations.
Learn moreMedical emergencies, cancellations, baggage and Schengen-compliant certificates.
Learn moreComprehensive and third-party cover for private, commercial and fleet vehicles.
Learn moreImport and export cargo cover by sea, air and road — port to warehouse door.
Learn moreBuildings, contents, rental property and landlord cover against fire, theft and floods.
Learn moreCrop, livestock and weather-index cover for farms and agribusiness value chains.
Learn moreTell us what you're protecting. Upload valuations or project documents through our secure portal.
A named underwriter structures your policy — no call centres, no generic products.
Digital certificates issued instantly to you, your bank or your lender.
Report online or on WhatsApp and track progress live — 48-hour decision target.
We're structured like a specialty desk, not a mass-market insurer — every client gets a named underwriter and a direct line.
Authorised by the Insurance Regulatory Authority of Uganda, with reinsurance-backed capacity.
High-value clients get sealed valuations, private handling and strict confidentiality.
Documented claims get a decision within two working days — tracked online, end to end.
Head office in Nakasero with an international desk serving clients in the UK and beyond.
Instive insured a parcel of certified stones from Kampala to Antwerp when three other insurers declined. The transit certificate was with our courier the same afternoon.
Our lender required a performance bond within ten days or the facility lapsed. Instive's underwriting desk structured it in six. The project broke ground on schedule.
When our warehouse flooded, the claim was assessed in two days and settled inside the week. That's the difference between a policy and a partner.
Tell us a little about the risk and a specialist underwriter will call you back within one working day — or start the conversation on WhatsApp right now.
Certified valuations don't just prove ownership — they can cut your precious stone premium by up to a third.
Read article
A practical guide to the guarantees that turn a term sheet into a signed facility — and how to secure one fast.
Read article
Port-to-door cover, general average, and the paperwork that makes or breaks a cargo claim in East Africa.
Read article