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SME and Corporate insurance

We understand that businesses have unique insurance needs and that is why we have a variety of insurance products that protects you and your business from the risks and liabilities of your business. One liability against your business can be a threat to your investment.

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Get the Right Business Insurance Coverage

Getting the right business insurance in Kenya does not need to be a hassle. We understand that at times you might not be aware of the risks and liability that your business is exposed to and hence the need to be prepared in event of a disaster.  When accidents, injuries, negligence, or other losses occur, you might be held liable arising out of the legal obligations that might arise from your business operation. 

The level and type of coverage your business insurance in Kenya depend largely on the type, industry, and size of the business. This is why we provide a risk assessment to ascertain the type of coverage you need. Therefore, you do not need to know everything about insurance, just a basic understanding of insurance, and our help and guidance will get you the right business insurance coverage in Kenya

Find the below point that matter to your coverage:

  • General liability.
  • Workers compensation (WIBA).
  • Commercial property.
  • Commercial motor.
  • Professional liability

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What do we cover in business insurance?

Liability Coverage

This compensates your business: 

  1. Public liability
  2. Product liability
  3. Directors & Officers
  4. Employers Liability
  5. Professional Indemnity. 

Property Insurance

This compensates your business: 

  1. Fire Insurance
  2. Burglary Insurance
  3. All Risk, such as laptops
  4. Machinery breakdown
  5. Good in transit.

People

This compensates your business: 

  1. WIBA Insurance
  2. Medical Insurance
  3. Group Personal Accident
  4. Group Life
  5. Retirement and Pensions.

Speciality  Insurance

Just like your private car insurance, your business vehicle does not have to be exposed to losses and liability associated with motor insurance We offer great rates and benefit for commercial vehicle insurances. 

Health  Insurance

We provide medical/health insurance coverage for business owners who would like to ensure that their employees are well protected. This can provided as part of the employee benefits package and help in attracting and retaining good employees. We take you through the options of full health insurance and also fund options.

So Much More

We provide other business insurance classes in Kenya such as mechanical breakdown, cybersecurity, aviation, marine and so much more.

Talk to us about your NGO's insurance requirements and get free quotes.

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NGO & NPOs Insurance in Kenya.

Size & Scope of Kenya's NGOs & NPOs  Sector

  1. Over 12,000 registered NGOs under the National Council of NGOs umbrella
  2. Ranges from large international relief agencies (famine, refugee crises) to community-driven groups (education, women’s empowerment, environmental conservation)

Economic Impact

  1. Contributed KES 175.9 billion to Kenya’s GDP in FY 2021/22
  2. Drives job creation, critical service delivery, and grassroots development

Operational Context

  1. Remote & High-Risk Deployments
  2. Mobile medical camps in arid counties
  3. School feeding programs in informal settlements
  4. Flood and disaster-relief coordination

Key Exposures

  1. High-value assets (generators, medical kits, field vehicles)
  2. Large volunteer networks needing accident & evacuation cover
  3. Sensitive data (beneficiary records, donor databases) is prone to cyber threats.

Find the point below that matters to your insurance coverage:

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What do we cover in business insurance?

WIBA & GPA Cover

protects employees/volunteers against accidental death and injuries at the workplace. 

Property Insurance

Replacement of laptops, medical supplies, and office premises.

Public Liability

Covers third-party claims for bodily injury, property damage or personal/advertising injury that occur on your premises or as a result of your operations.

Motor Insurance

Offers comprehensive insurance for a fleet of commercial vehicles—covering own-damage, third-party liability, fire, theft and sometimes roadside assistance benefit.

Health Insurance

We provide medical insurance to ensure employees are well protected. This can be provided as part of the employee benefits package and help in attracting & retaining good employees.

So Much More

NGOs need broad, mobile cover—often working off-site in remote areas. A unified package ensures no gap between professional liability and accident cover, allowing NGOs to focus on mission delivery, not insurance paperwork.

Talk to us.

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Manufacturing Insurance in Kenya

Size & Scope of Kenya's Manufacturing Sector

  1. Manufacturing contributes approximately 7.6 % of Kenya’s GDP as of 2023, underpinning the country’s economic diversification.
  2. The sector comprises over 1,600 member companies under the Kenya Association of Manufacturers (KAM), spanning food processing, textiles, cement, plastics, and electronics assembly.

Economic Impact

  1. Recorded an output of KES 8.22 billion in 2023, nearly matching the previous year’s record, driven by rising domestic and regional demand.
  2. Supports hundreds of thousands of direct and indirect jobs—from factory floor operators to logistics and sales teams.

Operational Context

  1. Heavy reliance on high-value machinery: turbines, compressors, industrial ovens, and automated production lines.
  2. Import-based supply chains subject to shipping delays, forex volatility, and regulatory inspections by KEBS (Kenya Bureau of Standards).
  3. Compliance with ISO quality and safety standards is increasingly mandatory for export-oriented manufacturers.

Find the point below that matters to your insurance coverage:

Watch video

What do we cover in business insurance?

Industrial All Risk

Comprehensive protection for buildings, machinery, equipment, and stock against most perils e.g fire, theft, storm, & accidental damage. 

Business Interruption 

Compensates for lost income & ongoing expenses when a covered peril, e.g fire or flood, forces your business to suspend operations.

Product Liability

Covers legal defence costs and damages if a product you manufacture or sell causes injury or property damage to a third party.

Machinery Breakdown

Pays for repair or replacement & any associated business interruption when critical equipment suffers a sudden mechanical or electrical failure.

Health Insurance

We provide medical insurance to ensure employees are well protected. This can be provided as part of the employee benefits package and help in attracting & retaining good employees.

So Much More

Manufacturing industry in Kenya often needs to ensure basic covers such as WIBA, Public Liability, Motor Insurance are also in place. A regular review of the manufacters insurance program is recommended to ensure no gaps. 

School Insurance in Kenya

Size & Scope of Kenya's Education Sector

  1. 93,988 registered schools (pre-primary, primary, secondary) as of 2023
  2. 47,666 early-childhood development (ECD) centres serving ages 4–6

Economic Impact

  1. Education accounts for roughly 6 % of GDP, with government spending exceeding KES 500 billion annually
  2. Employs over 300,000 teachers, administrators, and support staff nationwide

Operational Context

  1. Mix of urban, peri-urban, and remote rural schools—including day, boarding, and community-run institutions
  2. Infrastructure spans modern campuses with ICT labs to low-cost classrooms in underserved counties

Key Exposures

  1. Student accidents during sports, field trips, and lab work
  2. Third-party liability for injuries to parents, visitors, and contractors on campus
  3. Vehicle risks from school buses and daily transport routes
  4. Property damage to ICT equipment, science kits, libraries, and school buildings

Find the point below that matter to your coverage:

  • General liability.
  • Workers compensation (WIBA).
  • Commercial property.
  • Commercial motor.
  • Professional liability

Watch video

What do we cover in business insurance?

Public Liability Cover

This protects against claims for on-campus injuries. 

Students Personal Accident

Covers medical costs and disability benefits for student injuries.

School Bus Insurance

This includes cover for school bus damage and passenger injuries.

Property & Equipment Insurance

Protects your school’s buildings, classrooms, laboratories, libraries and ICT equipment against perils such as fire, flood damage, theft and accidental breakage. 

WIBA Insurance

This is the statutory cover for staff injuries during working hours.

So Much More

With our combined school insurance in Kenya solution, we ensure that your institution can focus on learning and growth, safe in the knowledge that students, staff, and assets are protected from the unexpected.

Talk to us about your business insurance requirements and get free quotes.

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Contractors & Construction Insurance in Kenya

Size & Scope of Kenya's Construction Sector

  1. Over 5,000 registered contractors under the National Construction Authority (NCA), executing projects from single-family homes to major highways.
  2. Construction accounted for 7.1 % of GDP in 2022, reflecting its pivotal role in economic growth.

Economic Impact

  1. The sector generated roughly KES 900 billion in revenue in 2023.
  2. Employs over 200,000 skilled tradespeople, engineers and site managers nationwide.

Operational Context

  1. Projects span residential, commercial, industrial and infrastructure works.
  2. Heavy reliance on plant & machinery—excavators, cranes, concrete mixers and formwork systems.
  3. Complex subcontractor chains, tight timelines and strict building-code compliance (NCA, KEBS).

Key Exposures

  1. Site Injuries & WIBA Claims: Accidents leading to statutory benefits and legal fees.
  2. Third-Party Property Damage: Collapse or debris impacting neighbouring properties.
  3. Theft & Equipment Damage: High-value plant and materials left on unsecured sites.
  4. Project Delays & Non-Completion: Financial penalties and lost profits.
  5. Environmental Liability: Erosion, pollution runoff or dust nuisance claims.

Find the below point that matter to your coverage:

  • General liability.
  • Workers compensation (WIBA).
  • Commercial property.
  • Commercial motor.
  • Professional liability

Watch video

What do we cover in business insurance?

Contractors All Risk

Covers physical loss/ damage to works, materials, & temporary structures on the construction site, third-party injury or property damage arising from your works. 

Plant & Machinery 

Covers and Reimburses repair or replacement costs for heavy machinery, such as cranes, excavators, and concrete mixers, whether on-site or in transit.

Public Liability 

Protects you when your operations cause bodily injury & property damage to clients, passers-by, Collapse or debris impacting neighbouring properties. 

Erection All Risk

Insures the installation of machinery and plant against accidental damage from testing through to commissioning. 

Perfomance & Bid Bonds

Bid Bond ensures a bidder will enter into the contract at the submitted bid price if awarded. Upon contract award. Performance Bond provides that the contractor will complete the project per the agreed specifications & timelines.

So Much More

By bundling these covers, contractors safeguard against on-site risks, meet regulatory requirements, and protect project margins so they can focus on delivering quality builds on time and budget.

Talk to us about your business insurance requirements and get free quotes.

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