Resolution Dhamani Biashara cover is a property risk cover for medium-sized enterprises (SMEs) which offers an easily accessible and easy to purchase insurance solution.

This cover provides insurance for your business against risks that may lead to the loss or damage to business property.

Resolution Dhamani Biashara Cover is designed for informal businesses such as: kiosks, food vendors, neighborhood salons, barbershops etc. as traditional insurance covers do not cater for the risks that they face.

Why buy Resolution Dhamani Biashara Cover?

  1. The cover protects the business against loss of assets.
  2. Enables the business to recover faster in case of an event such fire, burglary and theft among others.
  3. There is flexibility to pay for the cover in small manageable installments.
  4. The ease of purchasing the cover by dialing *830# makes the cover easily accessible via your mobile phone.

Dhamani Biashara Cover Benefits

Dhamani Biashara cover gives the customer financial relief in case an event occurs leading to loss or damage to business property. Below are the various cover options for Biashara:

Dhamani Biashara Benefits Option 1 Option 2 Option 3
Fire 300,000 500,000 1,000,000
Theft 300,000 500,000 1,000,000
All risks 30,000 50,000 100,000
Money (Transit or Office) 10,000 15,000 25,000
Goods in Transit 30,000 50,000 100,000
Public Liability 300,000 500,000 1,000,000
Annual premium 3,200 5,190 9,800
3 Monthly Installments 1,175 1,905 3,595
*Excess on all claims 3,000 5,000 10,000


  • All risk: This benefit protects your property against loss arising from any unexpected cause except those that are specifically excluded in your policy document.
  • Public Liability: This benefit protects the insured against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.
  • Excess: This is the contribution you are required to pay towards a claim you make on your Resolution Dhamani Biashara policy.

Click here to view our policy document

How to Register & buy Resolution Dhamani Biashara Cover

  1. Dial *830# from your Safaricom line and enter 3 to select Dhamani Biashara Cover.
  2. Input the following details when prompted and submit:
    1. Your full name;
    2. Your ID number;
    3. The business name;
    4. The type of business;
    5. Location/plot number of the business;
    6. The business permit number.
  3. Select option 1, 2 or 3.
  4. Enter agent code (or 0 if you don’t have an agent) and accept terms and conditions of the cover.
  5. You will then receive an SMS giving you your policy number and M-PESA payment instructions. Proceed to M-PESA and pay your premium via paybill number 503102 and the account number provided in the message.

How to Claim

In the event of a claim, please call us on +254-709-990 000 or Email us at or visit us at a branch near you. Please ensure the full premium is paid for you to access the benefits under your cover.

To make a claim on the categories below, you will need to submit the following:

General Claims Requirements

  1. Completed claim form
  2. Police abstract for theft/fire/accidents
  3. Purchase invoices/receipts

Liability Claims Requirements
In addition to the above documentation for general claims where applicable, you should do the following:

  1. Upon receipt of any letter, summons and/or any other communication, immediately forward the same to Resolution Insurance.
  2. Notify Resolution Insurance of any prosecution, investigation or fatal inquiry as soon as you have knowledge of the same.
  3. Do not make any admission of liability, offer or promise of payment without the written consent of Resolution Insurance.