go places living march 2016 issue

1 www.goplacesliving.com

March 2016

www.goplacesliving.com

Your Number one Property Guide in Kenya

FREECOPY

Living

HOME IMPROVEMENT OUTDOOR LIVINGMOVERSCLEANING SERVICES

Display 2: Galleria Mall Lang’ataPhone: 0786 575 069

Display 1: Skymall ParklandsPhone: 0700 519 418

www.stoneartskenya.com | Email: [email protected] | Phone: 0786 575 069, 0718 849 241

Natural Stone Claddings | Flooring | Facades | Gazebos | Fire Place | Fountains & Accessories | Stone Care Products | Garden Furniture / Ornaments

Domestic StorageAre you moving out of the country? Do you have a shortage of storage space in your house? Are you soon moving into a new house with completely new furniture and you require a place to store your old

ers storage for such requirements at a reasonable price. You can access your goods at your own convenience. Our warehouses are secure with 24hour security.

Then Cube Movers has a storage solution to meet your needs.

Commercial WarehousingDo you require warehouse space for storage but do not wish to rent, own or run your own warehouse? Do you require commercial storage for a few months at a time? Are your warehouses congested and you need additional space but do not wish to get another warehouse?

price.

+ 254 702 934 984+ 256 702 662 468

Nairobi, Mombasa

+254 727 773 663call us on

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Get Listed Today!

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Tel: +254 719 764000 / 786 974634

[email protected] www.goplacesliving.com

Cell: 0718 472622

Go Places Living: GLH 260428

Ref Code: GLH 260386

Located on Ngong Road, a spectacular office park offering office space from 1,900 sq ft - 14,000 sq ft, over 2.5 acres. Includes gym, conference hall & storage facilities. Completion: Mid 2016.

Zamani Business Park - KarenShops and Offices Price: Kshs 13,500 psf

Spacious 3 bed apartments spanning 2,820 sq ft. The development includes a swimming pool, gym, rooftop garden and shall be serviced by 2 elevators. Anticipated completion: End 2017.

Hideaway - Off Riara Road3 Bed Apartments Price: Kshs 27.5m

This development offers well designed 2 & 3 bed apartments. The

building shall be serviced by 4 elevators and offers a swimming

pool, gym and rooftop garden. Completion: Early 2017.

1414 Rose Avenue - Kilimani2 & 3 Bed Apartments Price: From Kshs 14.45m

Luxury apartments boasting modern living. Sky club with world

class facilities, gourmet restaurant, heated swimming pool.

Completion: Quarter 3, 2016.

Le Mac - WestlandsApartments and Commercial From Kshs 13.99m

Luxury four-bed villas (with DSQ) on 1/8th acre each with terraced gardens, located approximately 14km from the Village Market. Completion: Quarter 1, 2016.

Riversedge - Redhill – Limuru Road4 Bed Villas Price: From Kshs 26.7m

Luxury apartments in a prime location in Kileleshwa, just off the bypass from Lavington. Facilities include a swimming pool, gym and jogging track. Completion: Early 2017.

Vernonia - Kileleshwa3 Bed Apartments Price: From Kshs 23.5m

Modern apartments conveniently located in Madaraka, opposite Strathmore University with a swimming pool, gym, back-up generator and borehole water supply. Completion: End 2017.

Westpointe - Madaraka2 & 3 Bed Apartments Price: From Kshs 7.75m

Modern 2 bed apartments located in a serene part of Kilimani, off Dennis Pritt Road with a heated swimming pool, gym, conference centre, grand reception and back-up power. Completion: Mid 2017

The Enclave - Off Dennis Pritt Road2 Bed Apartments Price: From Kshs 15.75m

Set in the heart of Westlands along Muthangari Drive, this

contemporary development comprises 2 bed apartments with

s/pool, gym, business center, café. Completion: End 2018.

Nova - Muthangari Drive2 Bed Apartments Price: From Kshs 13.5m

Developments for SaleSH

OW

HOUSE

READY

Conveniently located off State House Avenue, an exclusive

development of only 36 executive apartments, strategically

designed to maximize views of the serene State House

neighborhood.

The lavish 2,600 sq.ft apartments offer spacious living areas

opening up into a large wrap-around balcony & modern open

plan kitchen with extra service kitchen and SQ. Amenities

include entertainment area, elevators, back-up generator for

common areas and CCTV surveillance amongst others. Show

House ready.

Anticipated completion: Mid 2016 | From Kshs 30m

FOR SALE

Tel: 020 4446914 0722 204764/5 0733 629786 Email: [email protected]

The Crescent










Ref Code: GLO 54

In a compound of 9, the generously proportioned residence features a sunken lounge w/fireplace, dining opening to a garden, kitchen with pantry, laundry area, cloakroom and guest room.

Karen - Windy Ridge4 Bed Villa Kshs 375,000/- pm

A well thought out 4 bed (2 ensuite) standalone house on 0.5 acres with exquisite finishes, rustic modern country fittings, well-lit living areas and beautiful gardens.

Runda - Off Glory Drive7 Bed Standalone Villa Kshs 225,000/- pm

Located in a serene setting, hidden immediately off Loresho Ridge is this one of a kind villa with spacious living rooms, ample parking, 24hr security and electric fencing, private pool and gazebo.

Loresho - Kibagare Way5 Bed Villa Kshs 350,000/- pm

Set within a peaceful and secure development, minutes from "The Junction Shopping Mall" is this three bedroom apartment offering well-proportioned living space. Facilities include pool, gym and sq.

Riara Road - Lavington3 Bed Furnished Apartment Kshs 170,000/- pm

www.hassconsult.co.kewww.hassconsult.co.ke

18 luxurious Villas on approximately ¼ acre each, spanning

4,088 sq.ft each, on Garden Estate Road, offering multiple

access from Thika Road as Kiambu Road.

Sarabi offers charming personal spaces fitted with intricate

luxuries that enhance daily living. Each home is designed with a

remarkable balance between luxury and symmetry that justifies

its serene location.

Located only minutes away from Braeburn School, Garden City

Mall and Windsor Golf and Country Club.

Anticipated completion: End 2017 | Price: Kshs 47m

FOR SALE

Ridgeways - Sarabi

‘Particulars not Warranted’

Unfurnished 4 bed apartment (2 ensuite) with intercom, electric fence, generator, parking for 2, SQ, gym, Pool, Lifts, Zuku internet and DSTV connection available with 24 hour security.

Kilimani - Dennis Pritt4 Bed Apartment Kshs 200,000/- pm

In a serene gated community, a 5 bed townhouse in an ideal location. Comprises of a dining room, step down lounge, an American Style kitchen with granite tops and ensuite guest room.

Riverside Drive5 Bed Townhouse Kshs 240,000/- pm

Hillview - Lower Kabete4 Bed Standalone Villa USD 4,000 pm

A luxuriously furnished duplex basking within a treed natural environ in a serene secluded part of Westlands. Includes s/pool, entertainment area, landscaped gardens and adequate car parking.

Littlewoods2 Bed Duplex Kshs 150,000/- pm

This 1 bedroom furnished apartment is ideally located and offers exquisite finishing, modern kitchen, vibrant rooftop terrace, 24hr security.

Urban Breeze - Valley ArcadeStudio Furnished Apartment Kshs 100,000/- pm

Properties to Let

Located in Hillview, hidden immediately Off Lower Kabete road is this villa which has impeccable charm, surprising artistry and thoughtful design with unmatchable views rarely found in Nairobi.











Ref Code: GLH 260525 Ref Code: GLH 260523 Ref Code: GLH 260527

Ref Code: GLH 260524 Ref Code: GLH 260526 Ref Code: GLH 260530

Ref Code: GLH 260529Ref Code: GLH 260528 Ref Code: GLH 260531

Copyrights: All articles, advertisements, photographs, artworks and/or designs of any nature or description appearing in this magazine or any other publication of GO PLACES LIVING are the sole and exclusive rights of the Management, Owners and Publishers of the said Magazine. Any reproduction thereof, in any form, in whole or in part is strictly prohibited without written consent from Global Image Group Ltd. Editorial opinions expressed in Go Places Living are not necessarily those of the magazine and the publication does not accept responsibility for the advertising content.

P.O. Box 38086 - 00623 Nairobi, Kenya • Tel: 020 233 8685/ (+254) 786 974 634 / 719 764 000E-mail: [email protected] • Website: www.goplacesliving.com

CONTENTS

Published By: Global Image Group Ltd

RESIDENTIAL

GENERAL PROPERTY

FUN PAGE

COMMERCIAL20. The Perfect Office

24. Property Tips27. Recommended Suppliers Directory28. Cleaning Services - Steps Ahead28. Outdoor Living - Stone Arts29. Home Improvement - Classic Mouldings30. Movers - Cube Movers

22. Word Search23. Play and Win! with Planet Media Cinema

8

GLH 260507

GLH 260515

GLH 260512

GLH 260518

GLH 260511

GLH 260508

GLH 260514

GLH 260513

GLH 260510

28

Domestic StorageAre you moving out of the country? Do you have a shortage of storage space in your house? Are you soon moving into a new house with completely new furniture and you require a place to store your old furniture until you figure out how to dispose it off?Cube Movers offers storage for such requirements at a reasonable price. You can access your goods at your own convenience. Our warehouses are secure with 24hour security.

Office StorageAre you facing a shortage of space for the files that the law requires you to keep for 7 years? Have you run out of storage space in your office? Then Cube Movers has a storage solution to meet your needs.

Commercial WarehousingDo you require warehouse space for storage but do not wish to rent, own or run your own warehouse? Do you require commercial storage for a few months at a time? Are your warehouses congested and you need additional space but do not wish to get another warehouse?Cube Movers provides flexible warehousing solutions at a reasonable price.

+ 254 702 934 984+ 256 702 662 468

or visit our offices inNairobi, Mombasa

and now in Kampala

+254 727 773 663call us on

30

14

28

18

4

16

18

11

4. Featured Properties - Hass Consult 8. Featured Properties - Dunhill Consulting11. Mimosa Court Apartments12. Homes and Gardens14. Property Listings - VAM Realtors16. Property Listings - Eastwood Consulting18. Residential Supplier - Classic Mouldings


AMENITIESSatellite TV and High Speed Wi-FiElectronic safeStudy areas in 3 BR and Pent-housesWell-appointed furniture

Fully-equipped kitchenRoom serviceDaily housekeepingGym and Health SpaLift service

Conference facilitiesBack-up power generatorGrocery shopping on request *Taxi & Shuttle services on request *Babysitting services on request *

Offering a distinctly tranquil environment amidst all the luxuries of Nairobi's Premier Fully Furnished & Serviced Long & Short Stay Apartments, close to an 18 hole golf course, shopping malls, restaurants, major hospitals, international schools

and the fastest growing office suites located in Nairobi.

The Best of Kenyan Hospitality

CONTACTSTel: +254 722 391 927, +254 733 600 913, (020) 200 1409, 212 2200, 212 2201Email: [email protected]: www.mimosacourt.com


www.goplacesliving.com12

Written by: Getrude ALUNGA

HOMES & GARDEN

With a properly-tended flower garden, you can enhance your outdoors, create a place of beauty and tranquility, and derive great joy from admiring your beautiful flowers and the bees, birds and butterflies they will attract. In Kenya, especially, a flower garden will take advantage of the amazing weather, sunshine and climate to sprout flowers.

Popular types of flower gardens that you might want to grow at home include:Balcony gardens, Container gardens, Edible gardens (with spices, vegetables, fruits etc), Herb gardens, Minimalist gardens, Raised gardens, Rooftop gardens, Shade gardens, Wildflower gardens, Woodland gardens To determine the best type of garden for your home, hire an experienced gardener. They will advise you on the right flowers to plant, and the equipment you need, among others.

Anyway, here’s how to build your own flower garden at home:

1. Start SmallAlthough you will feel enthusiastic about gardening, the motivation might quickly dry up once the work mounts. Therefore, you should start small, with a tiny flower garden for about 20 to 30 plants. Get one or two perennials and three annuals. You will get an opportunity to increase your plantings as your experience develops. 2. Plan the LandscapeMake a detailed plan and dig up a flower bed that will fit into the landscape you design. If you aren’t good at planning and you have a rough idea about how big you would like your garden to be, simply lay it out.

3. Choose the SiteThe most important consideration while learning how to build a flower garden is the sun. Most plants do well with 6 hours of the beautiful Kenyan sunlight. Therefore, choose a site that isn’t in the shade. Additionally, stay away from buildings, fences and utility lines.

The soil in the site should also be good. Although you can improve the soil later with manure and fertiliser, it always helps to stay away from areas with steep slopes, stagnant water and rocky, shallow soil. Get a soil test to determine the additional nutrients the soil requires, the fertilizers to get and the pH levels.

BEAUTIFY YOUR HOME WITHA STUNNING FLOWER GARDEN

4. Kick Start the GardenOnce you mark out the boundaries of your future flower garden, you can start digging. Remove all weeds, grass and so that may re-sprout and use a garden fork or spade to completely dig up to 50 centimeters deep.

5. Level the Bed Break up all clods and level the bed using a gardening rake. Add an inch or more of compost manure. If your soil is sandy, add grass cuttings and peat moss to improve its capacity to hold water. Similarly, add lime if your soil is too acidic since most flower plants thrive in neutral to slightly acidic soil.

6. Get the Plants/SeedsGo out and buy the seeds and/or plants. In Kenya, you can buy plants along the side of the road, at a florist’s, at a flower-and-tree-nursery, or at a gardening shop. Then, plant them according to the directions given by your gardening vendor of choice. While planting, remember that smaller flower plants need to go in the front sections of the garden. After that, firm the soil around your plants.

There are many flower types in Kenya – the most popular ones including orchids, sunflowers, African violets, and carnations, among a variety of other summer flowers. Get a wide variety that will bloom at different times – this way, your garden will always be in bloom.

7. Tend the Garden Always water your gardens thoroughly. However, find out which among your flowers need watering and how often you should do it. Remember, the amount of water will depend on the needs of the plant, their exposure to the sun, how much rain you get and the climate of the area.

8. Guide SporadicallyOn occasion, always sheer off all spent blooms. Most flower plants and varieties in Kenya tend to re-bloom, but only after old blooms have been cut. Remember, you can always use the spent blooms to make your own potpourri. Also, prune and support your plants as required. Extra Tips a) Variety MattersAs far as possible, plant a wide variety of perennials. These plants will flower at different times during the year. Planting one variety of flowers means you only get fresh flowers for a couple of weeks each year.

Fill the spaces in between the perennials with annuals. Annuals tend to be more colourful and will add a splash of vivaciousness to your garden. Since different annuals bloom at different times of the year, plant a good variety.

b) Prevent Disease If your plant is diseased, consider burning it rather than trying to nurse it back to health. Diseased plants will infect similar varieties in your garden. Alternatively, uproot it, tie it up in a plastic bag and throw it away.

In conclusion, try to learn and remember the names of all your flower plants. Remember, the earlier you kick-start the gardening process, the faster you will learn how to build a flower garden and transform your home into an actual wonderland. Start today and never look back.

HOMES & GARDEN

13www.goplacesliving.com

Always water your gardens thoroughly. However, find out which among your flowers need watering and how often you should do it.

ONE WEST MPAKA FOR SALE/TO LET

11TH FLOOR APARTMENTS - 4 Bedrooms 2 ensuite, Semi fitted kitchen, Modern bathroom fittings, Large utility area, Highly secured with 24hrs CCTV Cameras, High Speed Lifts, Children Playing Area, Swimming PoolInc. Service charge

SALE: KSHS 34MRENT: KSHS 185,000 P/M GLH 260488

MUGUGA GREEN WESTLANDS TO LET

3 bedrooms house 1 ensuite, 1DSQ, Large utility area Iclusive of Service Charge

PRICE: KSHS 95,000 P/M GLH 260532

BROOKSIDE DRIVE WESTLANDS TO LET

3bedrooms flat 1 bedroom ensuite ,ample parking, spacious kitchen ,large utility area and terrace on top.

PRICE: KSHS 83,000 P/M GLH 260485

4bedrooms flat, 2ensuite, utility area, underground tanksTotal area 3000sq ft. Apartment on the 2nd floor

PRICE: KSHS 28M ONO

3RD AVENUE APARTMENTS KUSI LANE FOR SALE

GLH 260486

5 bedrooms, Large Living Room, 2bed DSQ, Ample parking, Well maintained lawns with gazebo. Total area is 1.1acres

PRICE: KSHS 150M

NYARI HOUSE FOR SALE

GLH 260487

Ngao Road, Parklands4bedroom two storey mansion,2 bedrooms are ensuite. Mixed community estate.

PRICE: KSHS 18.5M

SUSWA ESTATE FOR SALE

GLH 260491

Suswa Road Off Kusi Lane 3Rd Parklands3 bedrooms house 2 ensuite, backup generator, ample secure parking.Price inclusive of service charge

PRICE: KSHS 115,000 P/M

SAFFRON HEIGHTS TO LET

GLH 260489

3 bedrooms 2 ensuite apartment along School Lane.Price inclusive of service charge


SCHOOL LANE WESTLANDS

GLH 260504

2 bedrooms ensuite with borehole, generator, lift available

PRICE: KSHS 100,000

SPOON BILL NEST APARTMENT WESTLANDS

GLH 260505

T: +254 707 712 777, 716 393 376E: [email protected]

P.O. Box 38564 - 00623 Nairobi, Kenya4th Parklands Avenue, Apricot Suites, 3rd floor - Room 302

0.28 acres available, ideal for redevelopment.

PRICE: KSHS 90M

0.455 acres touching the main road and ideal for redevel-opment.

PRICE: KSHS 165M

3bedroom all ensuite, Borehole, Backup generator, Swim-ming pool, Gym, Ample parkingPrice inclusive of service charge


RAPHTA ROAD STONE BRIDGE TO LET

GLH 260490

A six storey modern commercial complex situated at Ruaka along Limuru road half a kilometre from Two Rivers Develop-ment. Amenities offered include :security barrier at the entrance,2 high speed lifts, standby generators and over 200 available parking space

Current tenants include :Tuskys, Family bank, Chase bank, Aga Khan hospital, Ashleys ,ATM lobbys for Barclays and KCB

Other Tenants include a gym, dental clinic , cybercafé, bou-tiques, hair salons and gaming lounge

There’s also a roof top restaurant and lounge with magnificent views

Available space from as little as 500sq ft

PRICE ON APPLICATION

RUAKA SQUARE COMMERCIAL COMPLEX TO LET

GLO 78

1/2acre plot ideal for redevelopment touching the main road.

PRICE: KSHS 240M

0.25 acres available, ideal for redevelopment..

PRICE: KSHS 90M

0.455acres touching the main road and ideal for redevel-opment.

PRICE: KSHS 165M

0.5 ACRES - 5TH PARKLANDS

47 Plots measuring 40*80 plots fully serviced near Jacaran-da Gardens suitable for both residential and commercial.

PRICE: KSHS 6.5M PER PLOT

40 BY 80 PLOTS - KAMITI ROAD

GLP 79

GLP 78

0.25 ACRES - BATU BATU ROAD PARKLANDS

1/8 of an acre with panoramic views of the serene Kefri Forest located 2km from the Naiobi - Nakuru highwaywithin Kiambu in ‘Kwa Mindo’ area.The Property has access to a 9 metre wide service road, electricity and water. 14 plots available.

PRICE: FROM KSHS 1.65M

50 BY 100 PLOTS - MUGUGA KIAMBU

GLP 80

GLP 76

2 acres prime development land touching tarmac adjacent to NPBC. Suitable for both residential and commercial development.

PRICE: KSHS 50M

2 ACRES - ISIOLO

GLP 75

GLP 77

0.455 ACRES - 1ST PARKLANDS

T: +254 707 712 777, 716 393 376E: [email protected]

P.O. Box 38564 - 00623 Nairobi, Kenya4th Parklands Avenue, Apricot Suites, 3rd floor - Room 302

GLH 260507

GLH 260515

GLH 260512

GLH 260518

GLH 260511

GLH 260508

GLH 260514

GLH 260513

GLH 260510

GLH 260519 GLH 260517 GLH 260520

GLH 260522 GLH 260521 GLH 260516

GLO 79 GLO 80 GLO 81

www.classic-mouldings.com

Nbi. 020 3519526, +254 721 123 123 Msa. +254 707 123 123 Classic Mouldings Ltd @Cmouldings [email protected]

C R E A T I V E I N T E R I O R S

Fashion in bathrooms change as fast as

haute couture hemlines: one minute the

trend is all about stark, clinical, squared off

and whiter than white: the next it’s soft,

rustic and tactile. The Hollywood glam look

camera and goes- all ‘lights, camera ad

action’ and edgy urgency.

And then it’s replaced by a much softer

almost Edwardian look with black and

white chequer –board tiles, floral dado

rails, mahogany doors, fluffy white towels

and frosted light brackets. Right now, the

world of contemporary bathroom has gone

into the Stone Age and that is not a

contradiction in terms.

STONE AGE2016 Bathroom trends

Classic Mouldings, Kellico Complex, Mombasa Road, Nairobi – secure parking, great ideas, informed staff, professional backup. For further information: [email protected] Tel; + 254 (0) 02 2585596 / 3519526 or 0721 123 123,

..........................................................................................................................

Forget minimalist white, wall to wall mirrors and gleaming chrome- and think softly textured stone and the age-old nurturing embrace of the cave. Revise Edwardian and conceptualize Prehistoric. Reassess the use of stone on floors or walls alone- and think holistic stone; wrap around and all encompassing.

We’re talking moulded stone basin that look like they have been lifted from the caves of Lascaux: natural stone bathtubs that might have been curved out by glaciers, and the roughhewn embrace of a textured stone shower stall gives you the feeling of standing beneath a waterfall in Eden .

It’s an eco- look and eco is hyper fashionable right now- from Obama to Oprah. It can be created with polished or textured stone. It can be mastered with a rough end marble or a honed granite; a butter smooth sandstone or fossil filled limestone. But whatever the stone – it’s got a ‘dawn of time’ naturalness that is crying out velvety moss green towels, fern- grey accents, wild-wood fittings, cycad fronds, pure organic toiletries and mood lightening that filters in from niches, streams from crevices and gives you the feeling of being drenched in a rain forest or cocooned in a cavern.

If this is a look that resonates with you – it’s time you visited the Classic Mouldings showroom, in Ramboo House on the Mombasa Road. It’s not just that the guys there know all both real and textured stones finishes – it’s also that they know how to install them in such a way that the look may be primeval but the performance will be space age.


Written by: Francis OKECH

ARE YOU COVERED? The 2012 and 2013 floods had a severe negative impact on many businesses in Kenya. The extreme damages to property as a result of the heavy rainfall forced many entrepreneurs to

shut down their businesses. Failure to insure against such risks is the main reason that these businesses could not recover from the disaster.

Any business that isn’t insured is taking unnecessary risks, which could result in extreme financial problems and at times even bankruptcy. It is not just natural disasters but also many other crisis situations that could totally destroy a business. Some examples of such situations are fire, major data loss, computer disasters and terrorist acts.

The majority of the businesses in Kenya still remain uninsured. Running a business is no easy task as it poses numerous risks and challenges to the entrepreneurs. In such a situation, it would be foolish for entrepreneurs not to insure their businesses against

unforeseen incidents when possible. It makes utmost business sense to insure your venture in all possible ways.So if you are a businessman and do not have your business insured, it’s high time that you cover your business. It is better late than never. Unawareness of insurance products is cited as one of the main reasons for such low business insurers in Kenya. In order to help you, we are discussing some of the covers that are offered to businesses in Kenya.

General Liability InsuranceThis insurance covers businesses from legal hassles in case of the owner, products or services, or employees of

a business cause or is alleged to cause bodily injury or other damages to a third party. The case in question can be claims of negligence, injuries or accidents. This insurance covers the business for payments of medical expenses, property damage, defending lawsuits, slander, libel, etc.

Professional Liability InsuranceThis insurance mainly covers the businesses against claims of negligence wherein a third party is harmed due to the business’ mistakes, errors, malpractice or any other negligence. It is also known as the errors and omissions insurance. Depending on the industry

the business operates in, a customized policy is written addressing the concerns specific to that industry.

Product Liability InsuranceThis insurance policy provides cover for financial losses incurred as a result of a defect in the product causing bodily harm or injury. Every business that manufactures, distributes or retails a product must have this insurance as it is responsible for its safety. It doesn’t matter how safe your products are, it is a must to have product liability insurance. Again, the policy is tailored to the specific product type. For example, a clothing company will need a much lesser cover in comparison to a company manufacturing electrical appliances.

Property InsuranceThis is the insurance that covers a company’s properties against all kinds of damages and losses. There is a wide range of causes that could result in the damage or loss of properties such as vandalism, civil disobedience, hail storms, wind, fire, etc. “Property” by definition is a very broad term and includes buildings, computers, business interruption, lost income, money and

company papers. There are mainly two types of property insurance policies: peril-specific policies and all-risk policies. Under peril-specific policies, a limited number of perils that are listed in the policy are covered. On the other hand, under the all-risk policies except the incidents and perils listed in the policy, all others are covered.

Workers’ Compensation InsuranceThis insurance policy is a must for any business that has employees irrespective of the number of employees. It covers death benefits, disability or medical treatments in case of death or injury of an employee as a result of the work performed for the business. Even if employees are involved in activities with potentially very low risks, it is in the best interest of the business to have worker’s compensation insurance.

Vehicle InsuranceAll vehicles used by the company must be insured irrespective of whether the business owns it or rents it. This will cover the business against liabilities in case of an accident. It is better to opt for an insurance that covers both third party injury and the vehicle.

The above are the most common types of insurance covers offered for businesses in Kenya. The specific terms and conditions of individual insurance policies vary and are dependent on the insurance companies offering it. It is vital for business owners to completely understand what is being insured, for how long and eligibility for claims. Business owners must analyze the external and internal conditions the business operates in and then zero in on the policies that best serve their purpose.

Even if employees are involved in activities with potentially very low risks, it is in the best interest of the business to have worker’s compensation insurance.


LivingA R R U D A W N C D C Q A F L A E S S A M E E H B X O B J K E G Y E K W H O

B N E O N L V B C R W V S G H V N D H S D L G Q I K N E R S I N N R A Q T J

P M E S V L A O U N R L C T D I A B L T I N W N D D S N X N W E F F S I A Z

S N O K U R E C G K X I E A J T M X C L R K B T H U E W V I L J K B E H B N

M E A T N R I A E D Y G N H Q R E Z Y B N I H W S V I K N A M C B G V F B J

Y Y O A V F R E V A A I S T R W S S Z V Q O B Y V Z H X D R R C B R K C A F

M S B T I F W E D E B V I O B E H Y E U L J Y E X Z W G P A S S O V E R S B

V A S X L Y D I C M N H O G S O T R M I A E I J R J A P I L A T E S O A K Y

S V I E L C R I M T T E N L H H E E D E A S T E R M O N D A Y C G U H Z D J

T O A O N F J C Y B I N D O C W G A P V Y T I I Y B X Q E E R H S I M K S Y

N R H V D E Y D Q V F O Q G L V Y M O T Z L Y R N O I S S A P U C S Q X R O

L R D O F Q V Y A P S E N C I Z J X B M C A A F W X C J B S A R B U E U G K

H L O P W O V I S A D U J F W G Z C E M R M A D C Y E N R B H C P V B N F R

L G W X K V C D G P A L M L E A V E S T Y B W I M Z R I K V Q H B R V D K H

S A H P A I A C W R J Q M H M Q U P E Y Y B L I B R E T S A E B G E O C S R

E T K Y S D W B U O O R P R U R R B K W W E Y G W Z I F X J B E O Q N P A V

S U N M I D L F V N Q F T D H S O S P T T M S N I J N Y X O H L R Q I U H T

F V E H M N E R U O D M E D P Z H F F R X R K V M B D F C F V L Y Q S P U E

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So, you’ve secured that nice plot and are ready to take action. You want to build for yourself (and your family) a beautiful home. You want to say “kwaheri” to rentals forever. However, there is one little challenge. You have never built a home before. As such, you have absolutely no idea where to begin. Well, not to worry. You can actually build your dream home without a hustle. All you have to do is take it one step at a time. To simplify the process for you, here are the first 9 steps you can take to build your dream home.

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Written by: Raymond WANGAI


BUILDING YOUR FIRST HOME? Here Are 9 Steps To Get You Started

1. Outline Your NeedsThe first step is to outline your needs. What do you want your dream house to look like? What type of house do you want? A flat, bungalow, detached house or what?

What kind of rooms do you want in the house? A bedroom, bathroom, living room, dining room, children’s playroom, gaming room, library or what? How many of each do you want?

What about the outside? Do you want a porch, gazebo, garage, spacious com-pound, or swimming pool? What exactly do you want?

This step is basically outlining what you want in the house. You may want to do this in consultation with your spouse or

children. Basically create a clear outline of what you want. All you need to carry out this step is a pen and notebook (or if prefer like it high-tech, your favorite device and word processor).

2. Create A Detailed Home PlanOnce you’ve outlined your needs, you need to integrate them into a home plan. This basically includes a house plan, as well as a layout of other home features. To carry out this step, you may require the services of an architect.

In fact, unless you plan to build an extremely simple house, you need to hire an architect. An architect can take all your needs as outlined and integrate them into a workable architectural plan. They can also offer professional advice on what is practical and what isn’t.

In the end, an architect can create for you a professional home plan. You can then take the plan to a civil or structural engineer, and get them working on your dream home.

3. Get A Cost EstimateOnce you have a detailed plan, the next step is to get a cost estimate. Basically, this is a rough idea of how much it may cost to build the home. In most cases, an architect can give you a cost esti-mate. However, if you made the plan on your own, then you will need a civil or structural engineer to give you a cost estimate.

Generally speaking, a cost estimate is a rough forecast. This will typically depend on the cost of the construction materials. It will likely include the cost of not just

buying, but also transportation and storage.

The bottom line is that you have to get a cost estimate. If the estimate is far beyond your budget limits, then you may have to go back to the drawing board. The advantage of dealing with an archi-tect from the onset is that you can tell them your budget range and they design a building which fits within it.

4. Conduct A Personnel Needs AssessmentOnce you have a cost estimate, the next step is to conduct a personnel needs as-sessment. This is an answer to a simple question: what categories of people do you need to construct your house?In most cases, the categories of people needed to construct a house are quite standard i.e. a civil or structural engineer, builders, plumbers, etc. However, there are two factors which can create a slight distinction.

The first is the complexity of the building: for complex buildings, you may need specialized equipment which require people with certain skills to operate them. The second is the amount of time you want it completed (the shorter the time, the more people you’ll need).

The bottom line is that you need to con-duct an assessment of the kinds of peo-ple you’ll need. The best strategy is to first contract a civil or structural engineer to be the overseer. Such an engineer can then enable you to create an accurate assessment of who you need.

Part of needs assessment includes a cost estimate. In other words, how much will it cost to pay, feed or house (where necessary) the people who will work on your home?

5. Create A BudgetOnce you have a clear idea of the per-sonnel costs of constructing the building, then you can create a budget. This will basically reflect the cost of materials, transportation and personnel. Your civil or structural engineer can enable you to create a budget. Don’t forget to set aside money for processing authorizations and licenses.

6. Process Necessary AuthorizationsTo construct any building in Kenya, you need certain authorizations. The exact nature of authorizations depends on the location of your building. In most cases, you require at least two forms of autho-rizations. The first is from the municipal council of the location of the building. The second is from the National Environ-ment Management Authority (NEMA). An authorization from NEMA may be nec-essary if your building is near a gazette forest, wetland or other environmental feature.

Other authorizations may become nec-essary depending on the location. For instance, if your home is near the airport, you may require authorization from the Kenya Civil Aviation Authority.

The point here is that you need to process the necessary authorizations. The exact nature of authorizations will depend on the location. You can visit the municipal council offices to find out the exact kind of authorizations you need. Alternatively, you can consult a local-based real estate or property development agency to obtain such information.

7. Recruit the PersonnelOnce you have the necessary authoriza-tions, you can now proceed to recruit the personnel who will build your home. A

gain you can rely on your civil or struc-tural engineer to vet especially the more technical people.

8. Purchase the MaterialsOnce you have your team in place, you can now purchase the materials. The exact type of materials will of course depend on the type of house. Basically, purchase them and transport them to the construction site.

9. Get StartedWith the materials on site, and the personnel in place, the construction can begin. You can even throw a little party to commence the beginning of making your dreams come true. In a nutshell, those are the basic steps you can take to build your first home. The process isn’t as complicated as it sounds. Also, you don’t have need the full amount in order to get started. In fact, you can construct your home over 3, 4 or even 5 years. The most important thing is getting started.

Therefore, if you’ve been dreaming of building your own home, go for it! In case you don’t have all the money in hand, don’t worry. Just get started. And keep adding to it as you get more money. With time, you’ll have your own dream home. And what a day that will be! So, don’t hesitate. Get started already! Best Wishes!


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