Terms of Service

1. About These Terms

These Terms of Service (“Terms”) govern your use of the website located at www.bsinsurance.org and the insurance broking services provided by BS Insurance Brokers Ltd, a company incorporated in Uganda with its registered office at Kisingiri Rd, Kampala (“BS Insurance”, “we”, “us”, or “our”). By accessing this website or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

2. Our Services

BS Insurance Brokers Ltd is a licensed insurance brokerage firm regulated by the Insurance Regulatory Authority of Uganda (IRA). We act as an intermediary between our clients and insurance underwriters, providing the following services:

• Insurance broking and placement across all major lines of business.
• Risk management, risk assessment, and loss prevention advisory.
• Claims management, advocacy, and settlement support.
• Employee benefits and group policy administration.
• Contract review and insurance compliance advisory.

The information on this website is provided for general information purposes only. It does not constitute insurance advice or a binding offer of insurance cover. Cover is only in force when a valid policy document is issued by an underwriter through our brokerage.

3. Use of This Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

4. Accuracy of Information

While we take care to ensure the information on our website is accurate and up to date, insurance products, premiums, and regulations change frequently. We do not warrant that the content of this website is accurate, complete, or current. You should always confirm specific details directly with our broking team before making any decisions based on information obtained from this site.

5. Duty of Disclosure

When applying for insurance through BS Insurance Brokers Ltd, you are legally obliged to disclose all material facts relevant to the risk being insured, whether or not you are specifically asked about them. Failure to disclose material information may render your policy voidable and could result in claims being declined or policies being cancelled by the insurer. If you are unsure what information is material, please consult your broker.

6. Fees and Remuneration

BS Insurance Brokers Ltd is remunerated by way of commission paid by insurers on the premiums placed through our brokerage, and in some cases by agreed fees charged to clients. Where fees apply, these will be disclosed to you in writing before any service is provided. We act in your best interest as your broker and are committed to transparency in all financial dealings.

7. Limitation of Liability

To the fullest extent permitted by Ugandan law, BS Insurance Brokers Ltd shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of this website or reliance on its content. Our liability in connection with the brokerage services we provide is limited to losses directly caused by our proven negligence or breach of duty as a licensed insurance broker.

8. Third-Party Links

Our website may contain links to third-party websites, including insurer portals and regulatory bodies. These links are provided for your convenience only. We have no control over the content of those websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of BS Insurance Brokers Ltd or its licensors and is protected by applicable intellectual property laws. You may view and print content from this website for personal, non-commercial use only. Any other use requires our prior written permission.

10. Privacy

Your use of this website and our services is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. Please review them carefully.

11. Complaints

We are committed to providing a high standard of service. If you are dissatisfied with any aspect of our service, please contact us in writing at info@bsinsurance.org. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If you remain unsatisfied, you may refer your complaint to the Insurance Regulatory Authority of Uganda (IRA).

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Uganda. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Uganda.

13. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with a revised “Last updated” date. Continued use of our website or services after changes are posted constitutes your acceptance of the revised Terms.

14. Contact Us