T H I R D Q U A R T E R , 2 0 1 5

Welcome to our first and inaugural quarterly e-newsletter. After weeks of prepa-rations coupled with the unyielding support of Team Fidelity, we are proud to

present to you our first ever staff e-newsletter -Fidelity E-News! As the editorial team, we wish to thank Fidelity staff and management led by our very able MD, Mr. Koech for the wisdom that we should have a staff newsletter to foster a seamless and ongoing interaction between staff and all departments. We are confi-dent that this e-newsletter, as its tagline, will be a definitive source for independent, yet simple and clear information both from within Fidelity and the insurance industry at large.Fidelity E- News shall endeavor to welcome and publish information of professional interest, staff news, events and developments, industry insights, spiritual nourish-ment and spice everything up with good humor for ‘’ laughter is the best medicine”.Our first issue features various items, as contributed by you, organized under the seven headings; The MD’s Note, The Insurance Market Talk, Company Events in Pic-tures, Human Interest, From the HR’s Desk and Spiritual Corner/Humor/Jokes. Our last page features our new product –Safari Insurance Cover.We are excited to present our maiden issue with the lead story of Fidelity. Have your copy and get to learn about “The Fidelity Brand Story”, its history, milestones, achievements and its vision for the future as passionately told by the MD himself.

Enjoy!

Geoffrey OmbachiInterim Editor in Chiefgombachi@fidelityshield.com

FIDELITY E-NEWS

EDITORIAL VIEW

EDITORIAL BOARD

Geoffrey Ombachi Clifford MbaeDorah L. MwalikoPeter Kariuki

Terry Amina

James WagaMathew KoechMercy NjorogeElizabeth WamaeChristine WambuaJacqueline Rono

Bob Okal

EDITORIAL:

CONTRIBUTORS:

LAYOUT & DESIGN:

…keeping you in touch!

© fidelityshield.comIssue 01

The company has since then made several strides. Some of the milestones completed so far include; - Acquired ISO certification in January 2015 - Received a BBB+ rating by Global Credit Rating - Opened new branches – Nakuru and Nairobi CBD - Registered business growth of over 20 percent - Introduced new products such as Travel, Marine hull and Aviation

Rebranding rationale:

People or organizations rebrand for various reasons, some positive, others negative. We have our reasons as to why we chose to rebrand. These are;1. To communicate internal changes in ownership, Board and management.2. To differentiate ourselves from competition.3. To have a recognisable and fresh brand in the market place.4. To reflect Innovation – to stand out from the crowd.

Looking into the future;

• We need to be the insurance company with a difference.• We need to be that company that appreciates and values its clients.• We need to be the company with exceptional customer service. • We need to be that company who offers their customers solutions that

meet and deal with their risks. • We need to be that company that every employee wants to work for.• We need to be that company that shareholders get value for their in-

vestments.

We ,are going to be that company.• We expect that nothing comes on a silver platter. For us to be that

company, we are putting in the necessary procedures, systems and people to make our needs valid.

• We promise to be true to our word and to rise to the occasion to the expectations of not only our clients but our staff as well.

I am pleased to inform you that we use this forum to inform, educate and to share experiences in all aspects of our business. I would like to

start by sharing with you the Fidelity Brand story.

Originally, this Company was a Branch of the South British Insurance Group incorporated in New Zealand in 1872. The Branch was opened in Mombasa in 1940. The Company’s Head Office was moved to Nairobi in 1960 with Mombasa continuing as a Branch. In 1980, the Company be-came locally incorporated and changed its name to Shield of Kenya In-surance Company Limited which was then writing non-life business only.. In February 1989, the general business of Shield of Kenya was amalga-mated with the life insurance portfolio of Fidelity Insurance Company Limited and the name for the new composite Company became Fidelity Shield Insurance Company as you know it today.

Now the choice of the word shield is symbolic to us and to the envi-ronment we were and are still in. A shield, which also formed our cur-rent previous logo was intentionally settled on to represent protection which is the business we are involved in and that is to provide protec-tion against unforeseen or fortuitous losses.

When we started business in Kenya in 1940, Kenyan population stood at 4.6 million now the population is over 40million. Insurance companies operating in the country at that time were foreign owned; now all the insurance companies are wholly locally owned or have at least some local ownership.

In June 2013, new shareholders joined the Company and subsequent to this there were changes in the Board and management team.

THE MD’s noTE

CITY CENTRE BRANCHTransnational Plaza,8th FloorMama Ngina StreetNairobi NairobiKenya

NAKURU BRANCHWestside Mall,3rd FloorKenyatta Lane Nakuru Rift ValleyKenya

NEW BRANCHES OUR VALUES

Seek God’s Power God is capable of handling any situation.

Creating planets isn’t much of a problem. neither is raising the dead.

Nothing is too hard, but He’s waiting for you to recognise

His power and ask for help.

Gen. 18:14

Be spiritually-minded Your most cherished thoughts

make you what you are.

Prov: 23:17,18

Use time wisely What we are depends on

what we receive from the Lord what we receive is proportional

to the time spent alone in prayer.

Luke 6:38

Be Watchful People sometimes pray but

never pay attention to see if the prayer is granted. You

must watch in prayer!

Matt. 26:41 by: Jacqueline Rono(Underwriting)

A Quality Management Systems incorpo-rates the various internal processes

within the organization. It enables the organization to identify, measure, control and improve the various core business processes with a view to improve business performance.As we implement the quality management system we should note the following are some of the key elements that will make us succeed towards this end.• Ensure we are all customer centric –

customers are the consumers of our services and we should all ensure that we actively provide the customer with the best value possible.

• Conduct Customer Surveys. Customer surveys are used as a means to find out how our business is viewed by consumers. Customers who are very

happy with our services are going to tell others—60 percent of new cus-tomers in service organizations come from referrals.

• Document all our current procedures and work processes. A lot has already been achieved towards this end and we need to familiarise ourselves with the same in our respective de-partments. It is also important that we read and understand our Quality Policy as well as the Quality Manual.

• Develop a culture of continuous im-provement. We should be live to the fact that we live in a fast changing environment. To this end we shall be conducting internal audits twice a year. The first audit was done in June and the second is scheduled for De-cember 2015

• Improve our procurement system. To-day’s suppliers need to be partners in the quality effort. A company’s prod-ucts or services are only as good as the combination of all the inputs.

• Continuous training to improve on staff skills and competencies. This should enable us offer exceptional service to our clients.

QUALITY MAnAGEMEnT sYsTEM (QMs)WHAT IS A QUALITY MANAGEMENT SYSTEM?

The word attitude has always taken a negative connotation to mean something dread-ful, full of conceit and having discontent for something. We always get irritated to an

extent of doing something wrong just because of ‘attitude’An attitude can be described to be a predisposition or a tendency to respond positively or negatively towards a certain idea, object, person, or situation. Attitude influences an indi-vidual’s choice of action, and responses to challenges, incentives, and rewards (together called stimuli).

Since no one can read our minds or see what is in our hearts, it is only when we allow our attitudes to take control over our actions that can confirm our attitude. All of us have attitudes about certain things. Just to mention but a few; about work or work place, on politics, on violence, oppression of various forms, poverty, e.t.c. that makes us see the world as hell. But no matter how negative we feel, let us not allow our negative attitude produce negative actions since we cannot combat negativity with more negativity. All will amount to fan the flames that none can subdue. Let us not forget, Love is the only antidote for hatred, positivity is the only force that can neutralize the negativity in our life and we remain masters of our mind and attitude .It is also good to remember that, our thoughts manifest into our words, our words are sub-stantiated by our actions and our actions harden into our character.In conclusion, let us be mindful of our attitude towards life and the worlds around us. They have a lot to do with the person we are allowing ourselves to become. by: Peter Kariuki,KSM Branch.

Attitude is everything ; so pick a good one

by: James Waga (HR)

January 2015Diana Wainaina – Asst. Manager (Marketing & Business Devt)Mercy Njoroge – HR ManagerChristine Musawa - Senior Underwriter, CBDMarch 2015Daisy Marindany Customer Service & Admin, CBDJoseph Karimi Underwriting & BD Assistant , CBDJuly 2015John Munene Chief Accountant HOMark Mumu Management Trainee Evans Cheruiyot Management Trainee Purity Oronyi Management TraineeKennedy Ndegwa Management TraineeJoseph Limo Management TraineeGeorge Muchai Management Trainee

Exits from the CompanyMarch 2015Rose Kahata Accounts Assistant ,HO Andrew Kibet Managemnet TraineeJune 2015Gulbinder Mangat Underwriting AssitantShabana Parker BD Manager MombasaJuly 2015Mike Mugera Financial Accountant

New Company Staff

MARKET TALK

Head of Finance & Administration: Richard Marisin (37) Richard is an experienced professional with more than 14 years of work experience in various Insurance companies and financial organizations. He holds a Bachelor of Arts in Economics and Social Stud-ies from Kenyatta University. He is also a Certified Public Accountant (CPA) and a Member of the Institute of Credit Management. Richard also has a Certificate in Program for Management Development from Strathmore University.

Marketing & Business Development Manager: Nicholas Malesi (37)Nicholas is a career insurer with over 11 years of profes-sional experience in Insurance and Marketing fields. He holds a Bachelor of Commerce (Insurance) from the University of Nairobi and is currently pursuing an MBA from the same in-stitution. He is also an Associate of the Chartered Insurance Institute (CII). Nicholas also has a Certificate in Program for Management Development from Strathmore University.

new manager’s profile

HR DESK

by Mercy Njoroge(HR)

market talkADAPTING YOUR BRAND TO THE MODERN WORLDWith over half the world’s population using Facebook on a regular basis, and the enormous amount of cat-related photos, it’s no surprise that people are becoming less capable of non-visual communications. How does this affect your brand?People don’t read.They look at photos and videos - all day, every day. That means that the old-fashioned advertorial piece with lots of text and a small photo is dead. People simply can’t be bothered to view things that aren’t visual. You can perform a simple experiment for yourself; scroll through your Facebook feed. How often do you stop for text posts versus image posts?People have worse attention spans than goldfish.The average goldfish has an attention span of 9 seconds. The average human, only 8s. While this may make the goldfish population feel vindicated for the years of mockery we’ve subjected them and their memories to, it’s bad news for your brand. You have less time to grab a potential customer’s attention than it took you to read this sentence, so make it count. by: Bob Okal (ICT)

January 2015Diana Wainaina – Asst. Manager (Marketing & Business Devt)Mercy Njoroge – HR ManagerChristine Musawa - Senior Underwriter, CBDMarch 2015Daisy Marindany Customer Service & Admin, CBDJoseph Karimi Underwriting & BD Assistant , CBDJuly 2015John Munene Chief Accountant HOMark Mumu Management Trainee Evans Cheruiyot Management Trainee Purity Oronyi Management TraineeKennedy Ndegwa Management TraineeJoseph Limo Management TraineeGeorge Muchai Management Trainee

Exits from the CompanyMarch 2015Rose Kahata Accounts Assistant ,HO Andrew Kibet Managemnet TraineeJune 2015Gulbinder Mangat Underwriting AssitantShabana Parker BD Manager MombasaJuly 2015Mike Mugera Financial Accountant

success

Upon achieving the desired success in our lives, everyone needs to ensure its sustainability.

Therefore, we particularly need to understand that our body mechanism is driven by intelligencies.Did you know that the human body is driven by four crucial intelligencies? The function of the four, is likened to the function of a car’s four tyres. Loss of pressure in one, results to imbalance of the car. For ease of remembering let us call it MEPSMental A healthy mind is one that is constantly fed with new challenges through reading. This health revitalizes the rest of the body. “You are old at 20 if you stop learning, but young at 80, if you continue learning”.EmotionalOur relationships with the rest of humanity, including our families, are controlled by our feelings. If you have positive feelings, they yield to healthy relationships and enhance self-esteem. If your self-esteem is deflated, this will lead to negative effect in your successes in life.PhysicalThe fitness of our legs, hands amongst others is very vital for each one of us. Regular exercise is all it takes to maintain physical intelligences.SpiritualOur relationship with the powers of the universe is crucial to our wellbeing. Let us remember, our con-science which is different for every individual, is found therein.Now, you know how to achieve and sustain successful lifelong career, however, do not forget, “God brought you on this earth to make a difference, not to make a living”. by: Elizabeth Wamae

COMPANY EVENTS

EMPLoYEE of THE MonTH JULY

Margaret nyakoraMarketing & Business Develoment

Insurance Commissioner

Sammy Makove gives a speech

during Fidelity’s New Brand

Launch Ceremony, Alongside is

the MD, Mr. Mathew Koech.

Mr. Hezron Wainaina(left), Diana

Wainaina(center) Of Business

Development department and

one of the clients during Nairobi

CBD Office opening.

The Managing Director,

Mr. Mathew Koech gives a

speech during the brand launch.

Some of the staff members pause

for a photo shoot during the Brand

Launch.

UPCOMING EVENTS – Team Build-ing on 26th AM- 27th PM (Septem-ber,2015)

Kshs. 5,000 +Certificate of Recognition

“ Enabling every employee to bring their whole self to work”.

Reduced financial volatility and enhanced budgetary certaintyCapital used to fund unplanned and uninsured bed bug expenses can instead be redeployed for an insurance product that brings value added services.Reduced overall bed bug related spendPremium cost for a landlord or an individual tenant can be far less than the unplanned, unbudgeted expense associated with bed bug elimination.Enhanced liability defense and brand reputation protectionValue added services support integrated bed bug management and reduce the corporate real estate risk profile.

Terminix, the strategic service provider to Aon’s and GEP’s insur-ance solution, employs a fast, non-toxic treatment called Rapid-Freeze, allowing recovery time to be minimized. With anxiety over bed bugs at an all-time high, Aon’s and GEP’s bed bug insurance solution is a cost effective and integrated approach that can re-spond quickly and comprehensively, allaying concerns by prospec-tive and current tenants.

We can only continue to hope that the insurance industry in Kenya will embrace such a cover in the new future given the recent terror in Kayole, the manifestation in most of the High Schools in Kenya and campus, our own homes and the hotels that we visit and worse still the matatus that we board every other day so as to reduce the inconveniences bedbugs cause.

Sleep tight: Don’t let the bedbugs bite

by: Christine Wambua

BEDBUG INSURANCE SOLUTION

HUMOR CORNER

Bedbugs can travel with you from London to Nairobi and back. They can survive without food for one year and find dark and warm places cool for their survival. They are not brought about by dirt and can be found even in the coolest rooms at Norfolk and Hilton Hotel and worst of all the comfort of your home. Although many people do not admit to having been infested by these varmints, silence make them bolder and can pose great danger to your family.The recent terror attack of bedbugs in Nairobi caused Kayole residents sleepless nights. To the extent of Christening it Osama, the terror had rav-aged households across the area and costing residents thousands of shil-lings in attempts to eradicate it.If the Kayole residents knew of the existence of the Bedbug Insurance Solution offered by Aon Risk Solutions, the global risk management business of Aon Corporation then they would have less sleepless nights.The BedBug Insurance, is an innovative product offered by Aon Risk Solu-tions in corporation with Lloyd Underwriters and Global Express Partners (GEP), an innovator in insurance products and Terminix, the national leader in pest control. The Bed bug insurance solution has the following to offer:-Reimbursement for the cost of:• Bed bug elimination services• Treating bed bug infested apartment/coop/condo unit contents• Cleaning of clothes• Additional living expenses for a 24 hour period

THANK YOU!

OUR BRANCHES AND CONTACTS

HEAD OFFICE Equitorial Fidelity Centre, WestlandsWaridi Lane off Waiyaki WayP. O Box 47435-00100 NairobiTel: +254 20 4225000Mobile +254 (0) 709 988 000/ 733 620 001Email: info@fidelityshield.com

MOMBASA Fidelity Shield Insurance House, Kaunda StreetP O Box 90103-80100 MombasaTel: +254 041 2312651-4Mobile: +254 (0) 727 102 482/ 733 620 001Email: mombasa@fidelityshield.com

KISUMU Kenya- Re Plaza(Wedco Centre)Shop Unit 2 Block B, Oginga Odinga StP O Box 2243-40100 KisumuTel: +254 57 202 1739Mobile: +254 (0) 728 606 549Email: kisumu@fidelityshield.com

ELDORET Zion Mall, 1st Floor, Uganda RoadP O Box 7877-30100 EldoretTel: 254 53 2030393Mobile: +254 (0) 718 406 365Email: eldoret@fidelityshield.com

NAKURUWest Side Mall, 3rd Floor, Kenyatta laneP O Box 18622-20100 NakuruTel: +254 (0) 710 577 947 / 733 620 005Email: nakuru@fidelityshield.com

NAIROBI CBD Transnational Plaza, 8th Floor, Mama Ngina StP O Box 47435-00100 NairobiTel: +254 20 4225000Mobile: +254 (0) 702 420 747 / 732 808 089Email: nairobicbd@fidelityshield.com