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Welcome to Top Guarantees Limited

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About Top Guarantees Limited

Top Guarantees Limited is a leading non-bank financial Services Company registered in Kenya under the Companies Act (CAP 486) of the Laws of Kenya . Top Guarantees Limited product offerings include Bid Bonds, Performance Bonds, Advance Payment Guarantees, Insurance Services and Consultancy. Professionally managed, Top Guarantees Limited has a proven track record in providing highly effective solutions which are innovative, structured and customized to meet the clients’ requirements

Our Vision

To play a leading role in the emerging trade finance market.

Our Mission

To facilitate the flow of guarantees processing to SMEs by providing tailored trade finance products and insurance services solutions. We will achieve this by using our good partnerships and highly motivated staff while providing value to our customers

Core Values

Professionalism: Timeliness, Efficiency, Integrity and Credibility are our hallmarks.
Communication:We believe in Transparency and Free-flow of information.

Why Choose Us?

We are dedicated to serve you….. We care!

As a one stop shop on trade finance and insurance solutions

Customized/tailormade solutions on case by case basis

Faster turnaround time (TAT) and free delivery to your office (For customers around CBD or agreement from time to time)

Flexible payment options

Trade Finance

Unsecured Bid Bonds

Top Guarantees Limited through partnership with reputable, recognized and authorized Banks and insurance companies in Kenya, issue unsecured cash free bid bonds of up to 20million to enable tendering firms to obtain these guarantees for the contracts they bid for under flexible terms.

    Process within 30 minutes, Cash free and No account opening required. works.
    Personalized service- free delivery within CBD.
    Simple, convenient and flexible.
    Cross border bid bonds for tenders outside Kenya with correspondent local banks
    A variety of institutions to choose from (Banks, Insurance companies and Reputable financial institutions with branch networks in Nairobi and across the country).

Performance Bonds

Looking for fast and genuine performance bonds within Kenya? Get genuine performance bonds processed within 1hour with just 10% refundable cash cover from reputable commercial banks and insurance companies in Kenya.

Unsecured performance bonds of upto 1.5 million with zero cash cover.

    Competitive rates.
    No account opening.
    A variety of institutions to choose from (Banks, Insurance companies and Reputable financial institutions with branch networks in Nairobi and across the country).

Advance Payment Guarantees

Upon the completion of a successful contract bidding process, you may require an advance payment from your client for mobilization before commissioning or commencement of the project. Such advance payments may be required to procure materials or supplies necessary for the immediate commencement of the contract.
However, the procuring entity will often require a guarantee that this advance payment will be used exclusively in discharging the obligations of the contract hence the advance payment guarantee.
Top Guarantees Limited through our partner banks allows you to access upto 80% of the APG'S money.

Bank Guarantees

A bank guarantee, like a letter of credit, guarantees a sum of money to a beneficiary; however, unlike a letter of credit, the sum is only paid if the opposing party does not fulfill the stipulated obligations under the contract. Both bank guarantees and letters of credit work to reduce financial risk. You can rely on us to offer you fast bank guarantees and reliable services..

Custom Bonds

Top Guarantees Limited, through its insurance agency, has partnered with Insurance companies on issuance of custom bonds to avoid incurring demurrages on duty exempted items.

Retention Bonds

The procuring entity may withhold a certain percentage of contract payment to cover “Defects Liability Period”. By issuing a retention bond ,the contractor is able to access the locked funds hence unlock the cash flows to finance other projects instead of taking loans.


Contractor’s All Risk (CAR)

This policy provides an “ALL RISKS” cover available to contractors that will offer protection destruction or damage to:

    Contract works.
    Plant and Machinery.
    Third party liabilities.

Work Injury Benefits Act (WIBA)

Work Injury Benefits Act – is an employee benefit plan that guarantees your employees get financial compensation when, by accident, they suffer injury, become disabled or die while at work.

Professional Indemnity

Our indemnity cover is designed for professionals who provide advice or services to their customers. It protects you against legal costs and loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional duties.

Domestic Package

Domestic Package – Your household policy will cover loss or damage as a result of theft, burglary, fire and related perils to residential buildings, whether owned or rented and your household contents.

Medical Insurance

Medical Insurance – Medical insurance in Kenya is a great tool that can protect the insured from high costs arising out of an illness or an accident provided they are covered on a health policy. This way, it is a great tool for financial planning. The policy is divided into two main categories:

In-patient cover – Which is termed as treatment to a patient who is admitted to a hospital for treatment that requires at least one overnight stay.

Outpatient cover – Treatment to a patient who attends a hospital or clinic for treatment without staying there overnight. Under this section, the insured can also purchase additional cover specifically for optical and dental treatment.

Marine Insurance

Our knowledge of marine insurance runs as deep as the oceans. Whether you got a small private boat or running a fleet of ships, we’re the right insurance partner for you! Our cover compensates loss or damage to goods and, or merchandise in transit by sea, air, rail, road or registered post.

Motor Insurance

This type of insurance protects insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen.

We offer the following 3 types of Motor Insurance cover:

Third Party: Covers third party bodily injury and property damage arising out of a vehicle accident. This covers unlimited liability for Third party personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act. No cover is provided for any form of damage to the policyholder’s vehicle.

Third party Fire & Theft: Cover extends to see cover theft, fire, third party bodily injury and property damage. This cover is not very common. It has features of comprehensive cover but excludes damage arising from an accident. This is advisable for vehicles not exposed on the roads.

Comprehensive: Covers third party liability and property damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle. It is the widest cover available.

Travel Insurance

This is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad.