Uganda · InsuranceCommercial PropertyInsurance
Fire. Theft. Business interruption. Comprehensive cover for Kenyan business premises.
Trusted Cover
Uganda · Acentria
About This Cover
Why Commercial Property Insurance?
A warehouse fire in Industrial Area. A break-in at your Westlands office over the Christmas weekend. Flash flooding in your Kisumu retail unit. Every one of these scenarios can cost millions — and months of lost revenue. Acentria Commercial Property Insurance covers not just the physical damage but the business interruption losses while you rebuild. One policy, complete protection for your entire premises.
"Fire. Theft. Business interruption. Comprehensive cover for Kenyan business premises."
Coverage Details
What's Covered
Commercial Property Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Building structure — offices, factories, warehouses, retail
Machinery, plant, and equipment
Stock and inventory (including refrigerated stock)
Business interruption — lost revenue during downtime
Money in transit and on premises (safe and till)
Glass breakage (shopfronts, partitions)
Employer's liability
All-risks extension for specified valuable equipment
Why Acentria
Why Choose Us
Business Interruption Included
Physical damage alone doesn't tell the full story. Our policies cover your lost profit and ongoing fixed costs (rent, salaries, utilities) while your premises are being restored.
Sector-Specific Underwriting
We understand the difference between a cold-storage facility, a manufacturing plant, and a Nairobi CBD office block. Our cover is tailored, not generic.
Reinstatement Value Cover
We cover full rebuilding and replacement costs at today's prices — no depreciation. Your business is restored, not just partially compensated.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
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Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Boda-Boda Accident
Boda-Boda Operator
A Kampala boda-boda operator was involved in an accident resulting in a passenger injury claim. Acentria managed the third-party medical and compensation process end to end. Full settlement was paid via MTN Mobile Money within 7 working days — keeping the operator compliant and financially protected.
Amount Paid
UGX 12,000,000
Settlement
7 days
Health — Emergency Surgery
Corporate Group Member
A Kampala-based corporate group member required emergency surgery at International Hospital Kampala (IHK). Acentria pre-authorised the procedure on the same day as notification. The full hospital bill was settled via direct billing — the client was discharged in 3 days without having handled a single invoice.
Amount Paid
UGX 45,000,000
Settlement
3 days
Fire — Commercial Property
Nakasero Retailer
An electrical fault caused a fire that destroyed the stock of a Nakasero retail business. Acentria appointed a surveyor within 24 hours and negotiated the full stock valuation with the insurer. The complete replacement value of UGX 180 million was paid within 21 working days, enabling the business to restock and reopen.
Amount Paid
UGX 180,000,000
Settlement
21 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
From policy issuance to claims support, the Uganda team at Acentria has been a reliable partner for our organisation for over five years.
Josephine Nakato
Procurement Manager, Uganda Development Corp.
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Commercial Property Insurance.
Speak with one of our Uganda specialists today and get a personalised solution within 24 hours.
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