From fire and burglary to employer liability and professional indemnity, we build a comprehensive commercial insurance package tailored to your operations.
Covers buildings, stock, plant, and equipment against fire, lightning, explosion, flood, and a defined list of named perils.
Fire and Perils: often written as an Industrial All Risks (IAR) section: is the foundational property cover for any Kenyan business with physical assets. It pays to rebuild your premises, replace your stock, and reinstate your plant and machinery if any of a named list of perils occurs: fire, lightning, explosion, riot and strike, malicious damage, storm, flood, earthquake, impact, and aircraft damage.
What it covers
Buildings: structure, fixtures, fittings, and improvements
Stock: raw materials, work-in-progress, finished goods
Plant and machinery on a reinstatement basis
Furniture, fittings, and office equipment
Loss of rent following an insured peril (extension)
Who it is for
Manufacturers, factories, and industrial operators
Retailers, wholesalers, and warehousing businesses
Protects your business premises and contents against theft involving forcible and violent entry or exit.
Burglary insurance covers loss of business contents: stock, equipment, fittings, and cash up to a small limit, following theft that involves forcible and violent entry to or exit from the insured premises. The 'forcible and violent' wording is important: most Kenyan burglary policies do not cover stock that simply disappears or is taken by employees (that is fidelity guarantee territory).
What it covers
Theft of stock and finished goods (subject to forcible-entry wording)
Theft of equipment, fittings, and furniture
Damage to premises caused by forced entry (broken doors, locks, windows)
Money on premises up to a small sub-limit (usually KES 50K–200K)
Theft following non-forcible entry from an authorised visitor (limited extension)
Legally required cover under the Work Injury Benefits Act for employee injury, disease, or death arising in the course of employment.
The Work Injury Benefits Act (WIBA), 2007, makes it compulsory for every Kenyan employer to insure against their employees' work-related injury, disease, or death. The benefits are scheduled in law: funeral expenses, lump sums for permanent disability calibrated to earnings, medical costs, and the employer is strictly liable regardless of fault. Without WIBA in force, the employer is personally liable, and DOSHS (Directorate of Occupational Safety and Health Services) can stop work and prosecute.
What it covers
Medical expenses for treatment of work-related injuries and diseases
Temporary total disability benefits: wage replacement while recovering
Permanent disability lump sums calibrated to earnings and the WIBA scale
Funeral expenses on work-related death
Compensation to dependants on work-related death
Who it is for
Every Kenyan employer: legally required, no exceptions
Manufacturers, factories, construction sites, and farms (high-risk)
Offices, schools, NGOs, and professional services (lower-risk but still required)
The legally mandatory employer cover in Kenya. Every business with staff must insure work-related injury, disease, and death under the Work Injury Benefits Act. Minimum premium from about KSh 5,000/year.
The Work Injury Benefits Act (WIBA), 2007 makes it compulsory for every employer in Kenya to insure their employees against work-related injury, occupational disease, and death. There is no exemption for size: a household with a single domestic worker, an SME with ten staff, and an industrial group with thousands all carry the same legal obligation. The employer is strictly liable for the scheduled benefits regardless of fault, and the Directorate of Occupational Safety and Health Services (DOSH) can issue a prohibition (stop-work) notice and prosecute an employer found operating without cover.
What it covers
Medical expenses for treating work-related injuries and occupational diseases
Temporary total / partial disability: wage replacement while the employee recovers
Permanent disability lump sums, calculated on earnings and the WIBA disability scale
Death benefit and funeral expenses where a work accident is fatal
Compensation to the dependants of an employee who dies from a work cause
Who it is for
Every employer in Kenya: the Act applies from the very first employee
Households employing domestic workers, gardeners, nannies, or guards
SMEs, retailers, restaurants, salons, and professional offices
Protects professionals against third-party claims of negligence, errors, omissions, or breach of professional duty in their work.
Professional Indemnity (PI) insurance pays for the legal defence costs and any damages awarded against a professional accused of providing negligent advice, work, or services that caused a client financial loss. In Kenya, several professional bodies, including the Medical Practitioners and Dentists Council, LSK, IEK, ICPAK, and ARC-Kenya. Require members to hold PI cover as a condition of practice.
What it covers
Legal defence costs in respect of allegations of professional negligence
Damages awarded against the professional, up to the policy limit
Breach of professional duty, errors, and omissions
Loss of documents or client data (subject to extension)
Libel and slander arising from professional advice (limited extension)
Who it is for
Doctors, dentists, surgeons, and other medical practitioners
Lawyers, advocates, and law firms
Engineers, architects, quantity surveyors, and project managers
Covers your legal liability to third parties for bodily injury or property damage arising from your business operations.
Public Liability (PL) insurance pays for legal costs and compensation when a member of the public, a customer, visitor, neighbour, or passer-by, suffers bodily injury or property damage as a result of your business operations and brings a claim against you. It is distinct from Professional Indemnity (which covers negligent advice) and Employers' Liability/WIBA (which covers your own staff).
What it covers
Bodily injury to third parties on your premises or as a result of your operations
Damage to third-party property caused by your activities
Legal defence costs in defending claims
Costs and expenses awarded against you in court
Food and drink liability (extension for hospitality)
Who it is for
Retail and hospitality: shops, restaurants, hotels, bars, salons
Schools, gyms, clinics, and other premises with public footfall
Event organisers, conference centres, and entertainment venues
Covers goods and merchandise against loss or damage while being transported by road, rail, or sea within Kenya and across borders.
Goods in Transit (GIT) insurance covers cargo against loss, theft, hijacking, and damage while being moved from one location to another. In Kenya, GIT is essential for distributors, manufacturers, importers, retailers, and own-account hauliers: anyone whose business value travels by road, rail, lake, or sea. The motor policy covers the truck; GIT covers what is in the truck.
What it covers
Loss or damage to goods in transit due to accident, fire, or overturn
Theft and hijacking of vehicle or cargo
Loading and offloading losses (subject to policy)
Pilferage during transit (extension; typically with sub-limit)
Damage from rain or seawater ingress on uncovered or breached loads
Who it is for
Manufacturers and distributors moving finished goods to customers
Importers and freight forwarders handling inbound cargo from Mombasa or JKIA
Protects your business against financial loss caused by dishonest or fraudulent acts of your employees.
Fidelity Guarantee insurance: sometimes written as Employee Dishonesty or Crime cover: pays the business back for money or goods stolen, embezzled, or fraudulently obtained by employees acting alone or in collusion. It is the most under-bought commercial cover in Kenya: most businesses think 'it won't happen to us' until it does, often years into a trusted employee's tenure.
What it covers
Theft of money, securities, or goods by employees
Fraud, embezzlement, and forgery committed by employees
Computer fraud: manipulating systems to divert funds
Funds transfer fraud: fraudulent payment instructions
Investigation and audit costs to determine the loss (sub-limit)
Who it is for
Businesses with cash-handling: retailers, supermarkets, restaurants, fuel stations
Companies with significant accounts payable / accounts receivable exposure
Saccos, microfinance institutions, and other financial intermediaries
Comprehensive single-policy cover for construction projects: contract works, plant, materials, and third-party liability under one wording.
Contractors All Risks (CAR) is the all-in-one policy that should sit on every Kenyan construction project: large or small. It combines property cover for the works under construction, plant and machinery on site, materials, and a third-party liability section, all under a single wording with a single excess. Most main contracts now require CAR with the employer (the client) named as a co-insured.
What it covers
Permanent works under construction up to the contract value
Temporary works, formwork, and falsework
Construction plant and machinery on site (cranes, excavators, mixers)
Construction materials on site or in transit to site
Third-party bodily injury and property damage from the works
Who it is for
Main contractors and sub-contractors on building and civil projects
Real estate developers and project owners
Civil engineering contractors: roads, water, energy projects
Covers loss of money on the business premises, in transit, in safes, and at the bank: by theft, robbery, or accident.
Money insurance is the specialist cover for businesses that handle physical cash. It picks up where burglary and fire policies stop: money in safes, money in tills, money in transit to and from the bank, and money in the personal custody of authorised employees and directors. Where a burglary policy gives you only a token KES 50,000–200,000 money limit, a dedicated Money policy can run into the tens of millions per consignment.
What it covers
Money in transit between premises, bank, and customers
Money on premises during business hours
Money on premises out of business hours (in locked safe)
Money in custody of authorised directors or employees
All-risks cover for electronic equipment: computers, servers, medical electronics, specialist machinery, including breakdown and consequential data loss.
Electronic Equipment Insurance (EEI) is the specialist all-risks policy for electronic kit: computers, servers, networking gear, medical electronics, broadcast equipment, telecoms systems, and specialist control instruments. It covers what Fire & Perils doesn't: breakdown, mechanical and electrical faults, power surges, accidental damage, and the consequential cost of data loss and increased cost of working.
What it covers
All-risks property damage to electronic equipment (fire, theft, accident, breakdown)
Mechanical, electrical, and electronic breakdown, including internal causes
Power surges, voltage fluctuations, and lightning-induced damage
External data media (backup tapes, disks, removable storage)
Cost of reconstructing lost data and software (sub-limit)
Who it is for
Hospitals, clinics, and diagnostic centres with medical electronics
What is the difference between Fire & Perils and IAR?
Fire & Perils is a 'named perils' policy. It covers a defined list. IAR is an 'all risks' policy. It covers everything that isn't specifically excluded. IAR is broader but pricier and typically reserved for larger businesses.
What does 'forcible and violent entry' mean exactly?
There must be physical evidence of force used to gain entry (broken door, cut grille, smashed window) or exit. Walking in through an unlocked door does not qualify, and neither does an employee removing stock from an open warehouse.
Is WIBA mandatory even for one employee?
Yes. The Act applies to any employer regardless of the number of employees. Households employing one domestic worker are legally required to have cover. Enforcement has tightened materially in recent years.
Is WIBA mandatory in Kenya?
Yes. The Work Injury Benefits Act, 2007 makes WIBA cover compulsory for every employer in Kenya, with no exemption for the number of employees. A household employing a single domestic worker is as legally bound as a large company. DOSH enforces compliance and can stop work and prosecute employers without cover.
What is the difference between claims-made and occurrence-basis PI?
Claims-made (the Kenyan standard) responds to claims made and reported during the policy period. Regardless of when the work was done. Occurrence responds to incidents that occurred during the policy period. The retroactive date on a claims-made policy is critical: if it is wrong, historical work is uninsured.
Is Public Liability legally required in Kenya?
Not generally, but it is contractually required for many activities: government tenders, commercial tenancies, event permits, and most B2B contracts. Without it, you cannot bid for many opportunities and you carry personal exposure.
Ready to get the right cover?
Our advisors will compare quotes and find the best fit for you, at no extra cost.
