{"id":147,"date":"2021-04-20T16:27:42","date_gmt":"2021-04-20T16:27:42","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=147"},"modified":"2026-06-05T10:15:22","modified_gmt":"2026-06-05T07:15:22","slug":"business-insurance-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/","title":{"rendered":"Business Insurance in Kenya: Complete 2026 SME Guide"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.amssurity.co.ke\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Blog\",\n      \"item\": \"https:\/\/www.amssurity.co.ke\/blog\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Business Insurance in Kenya: Complete SME Guide\",\n      \"item\": \"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/\"\n    }\n  ]\n}\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\">Business insurance is not one policy. It is a risk system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your SME may have insurance certificates for WIBA, motor, fire, burglary, and medical cover, and still be badly exposed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The issue is usually not that the business forgot to buy insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is that the policies were bought one by one, renewed on autopilot, and never tested against how the business actually operates today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fire policy may repair damaged stock but fail to replace the income lost while the business is closed. A motor policy may cover the vehicle but not the goods being delivered. A WIBA policy may help address employee injury obligations but still leave wider employee, contractor, liability, and safety exposures unresolved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why business insurance in Kenya should not be treated as a list of products.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a serious SME, it should be reviewed as a business risk system.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3f590f37f6b\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3f590f37f6b\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#What_business_insurance_does_an_SME_in_Kenya_need\" >What business insurance does an SME in Kenya need?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#What_unreviewed_SME_insurance_looks_like_at_claim_time\" >What unreviewed SME insurance looks like at claim time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#The_Amssurity_SME_Risk_Stack\" >The Amssurity SME Risk Stack<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#1_People_risk\" >1. People risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#2_Asset_risk\" >2. Asset risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#3_Liability_risk\" >3. Liability risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#4_Movement_risk\" >4. Movement risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#5_Continuity_risk\" >5. Continuity risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Five_insurance_mistakes_Kenyan_SMEs_make_before_a_claim\" >Five insurance mistakes Kenyan SMEs make before a claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Business_insurance_in_Kenya_by_SME_type\" >Business insurance in Kenya by SME type<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Retail_and_wholesale_businesses\" >Retail and wholesale businesses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Restaurants_cafes_and_hospitality_SMEs\" >Restaurants, caf\u00e9s, and hospitality SMEs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Professional_services_firms\" >Professional services firms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Construction_and_contracting_SMEs\" >Construction and contracting SMEs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Manufacturing_and_processing_SMEs\" >Manufacturing and processing SMEs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Logistics_transport_and_delivery_SMEs\" >Logistics, transport, and delivery SMEs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Which_business_insurance_covers_are_mandatory_in_Kenya\" >Which business insurance covers are mandatory in Kenya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#How_to_compare_business_insurance_quotes_in_Kenya\" >How to compare business insurance quotes in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Documents_every_SME_should_request_before_buying_or_renewing_cover\" >Documents every SME should request before buying or renewing cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#The_SME_insurance_audit_checklist\" >The SME insurance audit checklist<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Red_flags_in_SME_business_insurance\" >Red flags in SME business insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#How_much_does_business_insurance_cost_in_Kenya\" >How much does business insurance cost in Kenya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#When_should_an_SME_review_its_business_insurance\" >When should an SME review its business insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#How_to_choose_an_insurance_advisor\" >How to choose an insurance advisor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Advisory_verdict_the_best_business_insurance_is_structured_not_scattered\" >Advisory verdict: the best business insurance is structured, not scattered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Frequently_asked_questions_about_business_insurance_in_Kenya\" >Frequently asked questions about business insurance in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.amssurity.co.ke\/blog\/business-insurance-in-kenya\/#Source_and_review_note\" >Source and review note<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_business_insurance_does_an_SME_in_Kenya_need\"><\/span><strong>What business insurance does an SME in Kenya need?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Kenyan SME should usually review business insurance across five risk areas:<\/p>\n\n\n\n<section class=\"amssurity-table-block\" aria-label=\"SME business insurance risk areas\">\n  <style>\n    .amssurity-table-block {\n      width: 100%;\n      max-width: 100%;\n      margin: 24px 0;\n      clear: both;\n      overflow: visible;\n    }\n\n    .amssurity-table-block,\n    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   display: table-cell;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n      border: none;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n      line-height: 1.55;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block table.amt {\n        display: block;\n        width: 100%;\n        background: transparent;\n      }\n\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody tr:nth-child(odd),\n      .amssurity-table-block .amt tbody tr:nth-child(even) {\n        background: #ffffff;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <div class=\"amt-wrap\">\n    <div class=\"amt-gold-line\" aria-hidden=\"true\"><\/div>\n\n    <table class=\"amt\">\n      <thead>\n        <tr>\n          <th scope=\"col\">Risk area<\/th>\n          <th scope=\"col\">Covers to review<\/th>\n          <th scope=\"col\">Why it matters<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td data-label=\"Risk area\"><strong>People<\/strong><\/td>\n          <td data-label=\"Covers to review\">WIBA, group medical, group personal accident, employer&#8217;s liability, directors and officers liability<\/td>\n          <td data-label=\"Why it matters\">Employees, directors, contractors, visitors, and customers create people-related risk.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Risk area\"><strong>Assets<\/strong><\/td>\n          <td data-label=\"Covers to review\">Fire and perils, burglary, all risks, electronic equipment, machinery breakdown, money insurance<\/td>\n          <td data-label=\"Why it matters\">Stock, equipment, tools, buildings, office assets, cash, and machinery need accurate values.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Risk area\"><strong>Liability<\/strong><\/td>\n          <td data-label=\"Covers to review\">Public liability, products liability, professional indemnity, contractors&#8217; liability<\/td>\n          <td data-label=\"Why it matters\">A business can be legally responsible for injury, property damage, advice errors, product defects, or contract-related losses.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Risk area\"><strong>Movement<\/strong><\/td>\n          <td data-label=\"Covers to review\">Commercial motor, goods in transit, marine cargo, travel cover<\/td>\n          <td data-label=\"Why it matters\">Vehicles, goods, field staff, and tools create risk outside the main premises.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Risk area\"><strong>Continuity<\/strong><\/td>\n          <td data-label=\"Covers to review\">Business interruption, consequential loss, cyber, fidelity guarantee, key person cover<\/td>\n          <td data-label=\"Why it matters\">The real damage is often not the first loss. It is the income, trust, and operating capacity lost afterwards.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exact mix depends on your sector, contracts, payroll, assets, vehicles, stock values, client obligations, and the kind of loss that would stop your operations fastest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_unreviewed_SME_insurance_looks_like_at_claim_time\"><\/span><strong>What unreviewed SME insurance looks like at claim time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The example below is a composite, anonymised scenario built from recurring patterns Amssurity sees when reviewing SME insurance structures in Kenya. The figures are used to show how gaps appear at claim time; they should not be read as one identifiable client file.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A packaging materials manufacturer in Industrial Area, Nairobi. Twenty-eight employees \u2014 fifteen permanent production workers and thirteen casuals on weekly contracts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The business had what most SMEs consider reasonable insurance: WIBA, fire and perils on stock and machinery, and comprehensive motor on two delivery vehicles. Three events in twelve months showed what the structure was actually worth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Claim 1 \u2014 casual worker injury.<\/strong><br>A casual worker on the production line suffered a crush injury to two fingers. Surgery and treatment at a Nairobi private hospital: KES 164,000. The WIBA insurer disputed the claim. The reason: the policy had been declared on permanent headcount and permanent payroll only. The casual workers were not reflected in the schedule. The employer paid KES 164,000 out of pocket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Claim 2 \u2014 goods in transit.<\/strong><br>One delivery vehicle was involved in an accident on Mombasa Road. KES 190,000 of finished goods being delivered to a client in Athi River was destroyed. The motor claim settled vehicle repairs at KES 67,000. The stock was not covered \u2014 goods-in-transit had never been added to the motor policy. The business absorbed a KES 190,000 loss on goods it had already manufactured and invoiced.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Claim 3 \u2014 fire and underinsurance.<\/strong><br>An electrical fault caused a fire that damaged production equipment. The insurer agreed the loss. But the declared sum insured was KES 3.8 million. The actual replacement cost of the damaged equipment was assessed at KES 5.6 million. The assessed loss was KES 1.2 million.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the declared value represented only about 67.9% of the actual replacement value, the insurer applied average. The settlement reduced to approximately <strong>KES 814,000<\/strong> against an assessed loss of KES 1.2 million.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Revenue lost during the forty-seven-day shutdown: not covered. No business interruption policy existed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Three claims. Total uninsured loss before revenue loss: approximately <strong>KES 740,000<\/strong>. Add the forty-seven days of uninsured revenue interruption, and the real commercial loss was higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The business had not failed to buy insurance. It had bought insurance that was never structured, declared correctly, or reviewed against how the business actually operated.<\/p>\n\n\n\n<!-- ============================================================\n     AMSSURITY INSURANCE AGENCY\n     CTA 1 of 3 \u2014 Compare Business Insurance in Kenya\n     v1.1 \u2014 fixed full-width layout + px-based font sizes\n     \n     POSITION: After the Industrial Area scenario section\n     BEFORE PUBLISHING:\n     \u2022 Replace \/compare-business-insurance\/ with your live URL\n       (if not built yet, use https:\/\/wa.me\/254725068537)\n     \u2022 Replace \/benefit-scheme-audit\/ with your live audit URL\n     \u2022 WordPress: paste into a Gutenberg Custom HTML block\n     \u2022 If styles vanish on save, move <style> to\n       Appearance \u2192 Customize \u2192 Additional CSS\n     ============================================================ -->\n\n<section id=\"amss-biz-cta-compare\" aria-label=\"Compare business insurance cover\">\n<style>\n#amss-biz-cta-compare {\n  --db: #003A63;\n  --mb: #015587;\n  --gw: #EFA31C;\n  --gb: #FBC80B;\n  --sl: #475569;\n  --ow: #F8F9FA;\n  --wh: #ffffff;\n\n  \/* Full-width fix *\/\n  display: block;\n  width: 100%;\n  box-sizing: border-box;\n\n  font-family: Inter, system-ui, -apple-system, \"Segoe UI\", Arial, sans-serif;\n  font-size: 16px; 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align-items: flex-start; }\n  #amss-biz-cta-compare .amss-bc-body { padding: 22px 20px 20px; }\n  #amss-biz-cta-compare .amss-bc-btn-primary,\n  #amss-biz-cta-compare .amss-bc-btn-secondary { width: 100%; text-align: center; }\n  #amss-biz-cta-compare .amss-bc-headline { font-size: 19px; }\n}\n<\/style>\n\n<div class=\"amss-bc-ribbon\">\n  <span class=\"amss-bc-brand\">Amssurity Insurance Agency<\/span>\n  <span class=\"amss-bc-tag\">Compare Business Insurance in Kenya<\/span>\n<\/div>\n<div class=\"amss-bc-rule\" aria-hidden=\"true\"><\/div>\n<div class=\"amss-bc-body\">\n  <p class=\"amss-bc-eyebrow\">For Kenyan SMEs reviewing their current cover<\/p>\n  <p class=\"amss-bc-headline\">The certificate says you are covered. The schedule says something different.<\/p>\n  <p class=\"amss-bc-copy\">Send us your current policy schedules \u2014 WIBA, fire, motor, liability, and medical. We compare what you have against what your business actually needs and identify the gaps before you renew. No premium table. A plain-English review of your current structure and where it may fall short at claim time.<\/p>\n  <div class=\"amss-bc-chips\">\n    <span class=\"amss-bc-chip\">Written gap summary included<\/span>\n    <span class=\"amss-bc-chip\">IRA-licensed advisor<\/span>\n    <span class=\"amss-bc-chip\">No obligation<\/span>\n  <\/div>\n  <div class=\"amss-bc-buttons\">\n    <a href=\"\/compare-business-insurance\/\" class=\"amss-bc-btn-primary\">Compare My Business Insurance Cover<\/a>\n    <a href=\"\/benefit-scheme-audit\/\" class=\"amss-bc-btn-secondary\">Book a Benefit Scheme Audit<\/a>\n  <\/div>\n  <p class=\"amss-bc-trust\">If your current structure has gaps that will matter at claim time, we will identify them before you commit to another year of premiums.<\/p>\n<\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Amssurity_SME_Risk_Stack\"><\/span><strong>The Amssurity SME Risk Stack<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most SMEs buy insurance by product name.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A better method is to review insurance by risk layer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_People_risk\"><\/span><strong>1. People risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">People risk includes employees, directors, contractors, suppliers, visitors, and customers.<\/p>\n\n\n\n<section class=\"amssurity-table-block amssurity-people-cover-table\" aria-label=\"People-related business insurance covers\">\n  <style>\n    .amssurity-people-cover-table {\n      width: 100%;\n      max-width: 100%;\n      margin: 24px 0;\n      clear: both;\n      overflow: visible;\n    }\n\n    .amssurity-people-cover-table,\n    .amssurity-people-cover-table * {\n      box-sizing: border-box;\n    }\n\n    .amssurity-people-cover-table .amssurity-table-wrap {\n      width: 100%;\n      max-width: 100%;\n      overflow: visible;\n    }\n\n    .amssurity-people-cover-table .amssurity-table-gold-line {\n      display: block;\n      width: 100%;\n      height: 4px;\n      background: #EFA31C;\n      margin: 0;\n      padding: 0;\n      line-height: 0;\n    }\n\n    .amssurity-people-cover-table table.amssurity-table {\n      border-collapse: collapse;\n      border-spacing: 0;\n      width: 100%;\n      max-width: 100%;\n      margin: 0;\n      font-family: Arial, sans-serif;\n      background: #ffffff;\n      table-layout: auto;\n      display: table;\n    }\n\n    .amssurity-people-cover-table .amssurity-table thead {\n      display: table-header-group;\n    }\n\n    .amssurity-people-cover-table .amssurity-table tbody {\n      display: table-row-group;\n    }\n\n    .amssurity-people-cover-table .amssurity-table tr {\n      display: table-row;\n    }\n\n    .amssurity-people-cover-table .amssurity-table th,\n    .amssurity-people-cover-table .amssurity-table td {\n      display: table-cell;\n    }\n\n    .amssurity-people-cover-table .amssurity-table thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-people-cover-table .amssurity-table thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n      border: none;\n      vertical-align: top;\n    }\n\n    .amssurity-people-cover-table .amssurity-table tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-people-cover-table .amssurity-table tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-people-cover-table .amssurity-table tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n      line-height: 1.55;\n    }\n\n    .amssurity-people-cover-table .amssurity-table tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-people-cover-table table.amssurity-table {\n        display: block;\n        width: 100%;\n        background: transparent;\n      }\n\n      .amssurity-people-cover-table .amssurity-table thead {\n        display: none;\n      }\n\n      .amssurity-people-cover-table .amssurity-table tbody,\n      .amssurity-people-cover-table .amssurity-table tr,\n      .amssurity-people-cover-table .amssurity-table td {\n        display: block;\n        width: 100%;\n      }\n\n      .amssurity-people-cover-table .amssurity-table tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff;\n        overflow: hidden;\n      }\n\n      .amssurity-people-cover-table .amssurity-table tbody tr:nth-child(odd),\n      .amssurity-people-cover-table .amssurity-table tbody tr:nth-child(even) {\n        background: #ffffff;\n      }\n\n      .amssurity-people-cover-table .amssurity-table tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-people-cover-table .amssurity-table tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-people-cover-table .amssurity-table tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <div class=\"amssurity-table-wrap\">\n    <div class=\"amssurity-table-gold-line\" aria-hidden=\"true\"><\/div>\n\n    <table class=\"amssurity-table\">\n      <thead>\n        <tr>\n          <th scope=\"col\">Cover<\/th>\n          <th scope=\"col\">Purpose<\/th>\n          <th scope=\"col\">Key checks<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td data-label=\"Cover\"><strong>WIBA<\/strong><\/td>\n          <td data-label=\"Purpose\">Statutory cover for work-related injury, illness, or death.<\/td>\n          <td data-label=\"Key checks\">Payroll accuracy, employee categories, casual workers, claim notification.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Cover\"><strong>Group personal accident<\/strong><\/td>\n          <td data-label=\"Purpose\">Accident benefits for employees beyond WIBA.<\/td>\n          <td data-label=\"Key checks\">Overlap and gaps with WIBA. Whether it complements or duplicates.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Cover\"><strong>Employer&#8217;s liability<\/strong><\/td>\n          <td data-label=\"Purpose\">Legal liability for employer negligence outside WIBA.<\/td>\n          <td data-label=\"Key checks\">Negligence trigger, exclusions, territorial limits, indemnity limit.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Cover\"><strong>Group medical<\/strong><\/td>\n          <td data-label=\"Purpose\">Healthcare for employees and dependants.<\/td>\n          <td data-label=\"Key checks\">Outpatient limits, maternity sublimits, chronic illness, hospital panel, renewal pricing.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Cover\"><strong>Directors and officers liability<\/strong><\/td>\n          <td data-label=\"Purpose\">Claims against directors for management decisions.<\/td>\n          <td data-label=\"Key checks\">Governance exposure, exclusions, retroactive date.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under Kenya\u2019s Work Injury Benefits Act, every employer must obtain and maintain an insurance policy with an approved insurer for liabilities under the Act, unless exempted under the Act. The Act also requires employers to report workplace accidents to the Director within the prescribed timelines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The payroll declaration gap \u2014 what competitors will not tell you.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">WIBA exposure is not limited to permanent employees. Casual, seasonal, daily-rated, and contracted workers can create work-injury exposure depending on the employment arrangement and policy declarations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many WIBA policies, however, are priced and declared on permanent headcount and permanent payroll figures only. When a casual worker is injured and the policy schedule does not reflect the correct employee categories and payroll basis, the insurer may dispute or reduce the claim. The employer then faces the uninsured portion out of pocket \u2014 as the Industrial Area scenario above shows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before you renew your WIBA policy, confirm that every relevant category of worker \u2014 permanent, casual, seasonal, daily-rated, and contracted where applicable \u2014 is correctly reflected in the schedule and premium basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For SMEs with 20 or more persons employed at a workplace, workplace safety governance is not optional.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kenya\u2019s Occupational Safety and Health Act requires an occupier to establish a safety and health committee where there are twenty or more persons employed at the workplace, or where the Director directs that such a committee be established. This matters because WIBA insurance responds after a work injury or occupational disease, but the employer\u2019s wider duty is to prevent and manage workplace risk before an accident happens. Insurance does not replace safety management. It responds to failures that safety management did not prevent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Advisory point:<\/strong> WIBA should not be treated as the full employee-risk solution. It is one part of the people-risk layer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Asset_risk\"><\/span><strong>2. Asset risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Asset risk covers the physical things your business depends on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<section class=\"amssurity-table-block amssurity-assets-cover-table\" aria-label=\"Business asset insurance covers\">\n  <style>\n    .amssurity-assets-cover-table {\n      width: 100%;\n      max-width: 100%;\n      margin: 24px 0;\n      clear: both;\n      overflow: visible;\n    }\n\n    .amssurity-assets-cover-table,\n    .amssurity-assets-cover-table * {\n      box-sizing: border-box;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table-wrap {\n      width: 100%;\n      max-width: 100%;\n      overflow: visible;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table-gold-line {\n      display: block;\n      width: 100%;\n      height: 4px;\n      background: #EFA31C;\n      margin: 0;\n      padding: 0;\n      line-height: 0;\n    }\n\n    .amssurity-assets-cover-table table.amssurity-table {\n      border-collapse: collapse;\n      border-spacing: 0;\n      width: 100%;\n      max-width: 100%;\n      margin: 0;\n      font-family: Arial, sans-serif;\n      background: #ffffff;\n      table-layout: auto;\n      display: table;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table thead {\n      display: table-header-group;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table tbody {\n      display: table-row-group;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table tr {\n      display: table-row;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table th,\n    .amssurity-assets-cover-table .amssurity-table td {\n      display: table-cell;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n      border: none;\n      vertical-align: top;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n      line-height: 1.55;\n    }\n\n    .amssurity-assets-cover-table .amssurity-table tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-assets-cover-table table.amssurity-table {\n        display: block;\n        width: 100%;\n        background: transparent;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table thead {\n        display: none;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table tbody,\n      .amssurity-assets-cover-table .amssurity-table tr,\n      .amssurity-assets-cover-table .amssurity-table td {\n        display: block;\n        width: 100%;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff;\n        overflow: hidden;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table tbody tr:nth-child(odd),\n      .amssurity-assets-cover-table .amssurity-table tbody tr:nth-child(even) {\n        background: #ffffff;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-assets-cover-table .amssurity-table tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <div class=\"amssurity-table-wrap\">\n    <div class=\"amssurity-table-gold-line\" aria-hidden=\"true\"><\/div>\n\n    <table class=\"amssurity-table\">\n      <thead>\n        <tr>\n          <th scope=\"col\">Business asset<\/th>\n          <th scope=\"col\">Cover to review<\/th>\n          <th scope=\"col\">Common gap<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td data-label=\"Business asset\"><strong>Building<\/strong><\/td>\n          <td data-label=\"Cover to review\">Fire and perils<\/td>\n          <td data-label=\"Common gap\">The landlord&#8217;s policy excludes your fittings, improvements, and contents.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Business asset\"><strong>Stock<\/strong><\/td>\n          <td data-label=\"Cover to review\">Fire, burglary, stock declaration<\/td>\n          <td data-label=\"Common gap\">A KES 800,000 declared value in January may be KES 2.2M by December. The shortfall comes out of your pocket.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Business asset\"><strong>Office equipment<\/strong><\/td>\n          <td data-label=\"Cover to review\">Office package, all risks<\/td>\n          <td data-label=\"Common gap\">Cover typically stops at the declared premises.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Business asset\"><strong>Machinery<\/strong><\/td>\n          <td data-label=\"Cover to review\">Machinery breakdown<\/td>\n          <td data-label=\"Common gap\">Fire cover excludes mechanical and electrical breakdown. Three weeks&#8217; downtime can exceed KES 400,000.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Business asset\"><strong>Tools and portable equipment<\/strong><\/td>\n          <td data-label=\"Cover to review\">Contractors&#8217; plant, all risks<\/td>\n          <td data-label=\"Common gap\">Tools used off-site are often undeclared entirely.<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Business asset\"><strong>Cash<\/strong><\/td>\n          <td data-label=\"Cover to review\">Money insurance<\/td>\n          <td data-label=\"Common gap\">Limits set at inception are rarely updated.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key issue is not simply whether the business has cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key issue is whether the sum insured reflects the real replacement value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If stock, machinery, equipment, or fittings are understated, the insurer may apply average. In plain English, that means the insurer reduces the claim because the business insured only part of the risk. The Industrial Area fire claim above is a direct example of this.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Liability_risk\"><\/span><strong>3. Liability risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Liability risk is about harm caused to other people, their property, their finances, or their legal rights.<\/p>\n\n\n\n<style>\n.amt {\n  border-collapse: collapse;\n  width: 100%;\n  font-family: Arial, sans-serif;\n  border-top: 4px solid #EFA31C;\n}\n.amt thead tr {\n  background: #003A63;\n}\n.amt thead th {\n  font-size: inherit;\n  color: #ffffff;\n  padding: 12px 16px;\n  text-align: left;\n  font-weight: bold;\n}\n.amt tbody tr:nth-child(odd) {\n  background: #F8F9FA;\n}\n.amt tbody tr:nth-child(even) {\n  background: #ffffff;\n}\n.amt tbody td {\n  font-size: inherit;\n  color: inherit;\n  padding: 12px 16px;\n  border-bottom: 1px solid #e2e8f0;\n  vertical-align: top;\n}\n.amt tbody tr:last-child td {\n  border-bottom: none;\n}\n\n@media (max-width: 640px) {\n  .amt thead {\n    display: none;\n  }\n  .amt,\n  .amt tbody,\n  .amt tr,\n  .amt td {\n    display: block;\n    width: 100%;\n    box-sizing: border-box;\n  }\n  .amt tbody tr {\n    margin-bottom: 16px;\n    border: 1px solid #e2e8f0;\n    border-top: 3px solid #003A63;\n    border-radius: 4px;\n    background: #ffffff !important;\n    overflow: hidden;\n  }\n  .amt tbody td {\n    padding: 10px 14px;\n    border-bottom: 1px solid #f1f5f9;\n  }\n  .amt tbody td:last-child {\n    border-bottom: none;\n  }\n  .amt tbody td::before {\n    content: attr(data-label);\n    display: block;\n    font-weight: bold;\n    color: #003A63;\n    font-size: 0.75em;\n    text-transform: uppercase;\n    letter-spacing: 0.05em;\n    margin-bottom: 4px;\n  }\n}\n<\/style>\n\n<table class=\"amt\">\n  <thead>\n    <tr>\n      <th>Cover<\/th>\n      <th>Best fit<\/th>\n      <th>Watch carefully<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Cover\"><strong>Public liability<\/strong><\/td>\n      <td data-label=\"Best fit\">Retail, restaurants, clinics, offices with visitors, warehouses, events.<\/td>\n      <td data-label=\"Watch carefully\">Limit per event, aggregate limit, exclusions, and visitor exposure. A KES 500,000 limit is often inadequate for businesses with high daily visitor traffic or client assets on-site.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Cover\"><strong>Products liability<\/strong><\/td>\n      <td data-label=\"Best fit\">Manufacturers, importers, distributors, food businesses, FMCG suppliers.<\/td>\n      <td data-label=\"Watch carefully\">Product defect wording, recall exclusions, contamination, and territorial limits.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Cover\"><strong>Professional indemnity<\/strong><\/td>\n      <td data-label=\"Best fit\">Consultants, accountants, architects, engineers, trainers, and IT firms.<\/td>\n      <td data-label=\"Watch carefully\">Retroactive date, claims-made wording, and professional scope. Public liability does not cover professional negligence \u2014 PI has a separate trigger.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Cover\"><strong>Contractors all risks<\/strong><\/td>\n      <td data-label=\"Best fit\">Contractors, fit-out firms, construction SMEs, project-based businesses.<\/td>\n      <td data-label=\"Watch carefully\">Contract requirements often exceed the policy limit purchased. A KES 50M project requirement against a KES 10M policy leaves KES 40M uninsured.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Cover\"><strong>Tenant liability<\/strong><\/td>\n      <td data-label=\"Best fit\">SMEs leasing offices, retail shops, warehouses, clinics, or workshops.<\/td>\n      <td data-label=\"Watch carefully\">Lease obligations may be wider than the insurance purchased.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p class=\"wp-block-paragraph\">The real question is not whether the business has liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is who could sue the business, what could trigger the claim, and whether the current limit would be enough.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Movement_risk\"><\/span><strong>4. Movement risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vehicles, goods, drivers, tools, and field staff create risk away from your premises.<\/p>\n\n\n\n<style>\n.amt {\n  border-collapse: collapse;\n  width: 100%;\n  font-family: Arial, sans-serif;\n  border-top: 4px solid #EFA31C;\n}\n.amt thead tr {\n  background: #003A63;\n}\n.amt thead th {\n  font-size: inherit;\n  color: #ffffff;\n  padding: 12px 16px;\n  text-align: left;\n  font-weight: bold;\n}\n.amt tbody tr:nth-child(odd) {\n  background: #F8F9FA;\n}\n.amt tbody tr:nth-child(even) {\n  background: #ffffff;\n}\n.amt tbody td {\n  font-size: inherit;\n  color: inherit;\n  padding: 12px 16px;\n  border-bottom: 1px solid #e2e8f0;\n  vertical-align: top;\n}\n.amt tbody tr:last-child td {\n  border-bottom: none;\n}\n\n@media (max-width: 640px) {\n  .amt thead {\n    display: none;\n  }\n  .amt,\n  .amt tbody,\n  .amt tr,\n  .amt td {\n    display: block;\n    width: 100%;\n    box-sizing: border-box;\n  }\n  .amt tbody tr {\n    margin-bottom: 16px;\n    border: 1px solid #e2e8f0;\n    border-top: 3px solid #003A63;\n    border-radius: 4px;\n    background: #ffffff !important;\n    overflow: hidden;\n  }\n  .amt tbody td {\n    padding: 10px 14px;\n    border-bottom: 1px solid #f1f5f9;\n  }\n  .amt tbody td:last-child {\n    border-bottom: none;\n  }\n  .amt tbody td::before {\n    content: attr(data-label);\n    display: block;\n    font-weight: bold;\n    color: #003A63;\n    font-size: 0.75em;\n    text-transform: uppercase;\n    letter-spacing: 0.05em;\n    margin-bottom: 4px;\n  }\n}\n<\/style>\n\n<table class=\"amt\">\n  <thead>\n    <tr>\n      <th>Risk<\/th>\n      <th>Cover to review<\/th>\n      <th>Common gap<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Risk\"><strong>Vehicle accident<\/strong><\/td>\n      <td data-label=\"Cover to review\">Commercial motor comprehensive<\/td>\n      <td data-label=\"Common gap\">Vehicle use class, unauthorised driver, excess, repair limits, towing, and tracking conditions.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Risk\"><strong>Third-party road liability<\/strong><\/td>\n      <td data-label=\"Cover to review\">Motor third-party<\/td>\n      <td data-label=\"Common gap\">Legally compliant but often inadequate for the business exposure.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Risk\"><strong>Goods damaged in transit<\/strong><\/td>\n      <td data-label=\"Cover to review\">Goods in transit<\/td>\n      <td data-label=\"Common gap\">Motor cover does not extend to the goods. A KES 300,000 load per run is uninsured without goods-in-transit cover.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Risk\"><strong>Imported or exported goods<\/strong><\/td>\n      <td data-label=\"Cover to review\">Marine cargo<\/td>\n      <td data-label=\"Common gap\">Incoterms, documentation, valuation basis, and territorial limits are rarely reviewed.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Risk\"><strong>Driver injury<\/strong><\/td>\n      <td data-label=\"Cover to review\">WIBA \/ GPA<\/td>\n      <td data-label=\"Common gap\">Driver employment status and benefit structure are unclear.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Risk\"><strong>Tools used off-site<\/strong><\/td>\n      <td data-label=\"Cover to review\">All risks \/ contractors&#8217; equipment<\/td>\n      <td data-label=\"Common gap\">Cover stops at the premises.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p class=\"wp-block-paragraph\">Kenya\u2019s Insurance (Motor Vehicles Third Party Risks) Act requires a compliant policy or security in respect of third-party risks before a motor vehicle is used on a road in Kenya, subject to the provisions of the Act.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Advisory point:<\/strong> A vehicle certificate does not automatically mean your goods, driver injury exposure, delivery obligations, or business downtime are properly protected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Continuity_risk\"><\/span><strong>5. Continuity risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Continuity risk is what happens after the first loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where many SMEs are exposed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fire may damage stock. A burglary may remove equipment. A machine may fail. A cyber incident may interrupt operations. A dishonest employee may steal cash or inventory. A key person may become unavailable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first question is: what was lost?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The second question is more important: can the business keep operating?<\/p>\n\n\n\n<style>\n.amt {\n  border-collapse: collapse;\n  width: 100%;\n  font-family: Arial, sans-serif;\n  border-top: 4px solid #EFA31C;\n}\n.amt thead tr {\n  background: #003A63;\n}\n.amt thead th {\n  font-size: inherit;\n  color: #ffffff;\n  padding: 12px 16px;\n  text-align: left;\n  font-weight: bold;\n}\n.amt tbody tr:nth-child(odd) {\n  background: #F8F9FA;\n}\n.amt tbody tr:nth-child(even) {\n  background: #ffffff;\n}\n.amt tbody td {\n  font-size: inherit;\n  color: inherit;\n  padding: 12px 16px;\n  border-bottom: 1px solid #e2e8f0;\n  vertical-align: top;\n}\n.amt tbody tr:last-child td {\n  border-bottom: none;\n}\n\n@media (max-width: 640px) {\n  .amt thead {\n    display: none;\n  }\n  .amt,\n  .amt tbody,\n  .amt tr,\n  .amt td {\n    display: block;\n    width: 100%;\n    box-sizing: border-box;\n  }\n  .amt tbody tr {\n    margin-bottom: 16px;\n    border: 1px solid #e2e8f0;\n    border-top: 3px solid #003A63;\n    border-radius: 4px;\n    background: #ffffff !important;\n    overflow: hidden;\n  }\n  .amt tbody td {\n    padding: 10px 14px;\n    border-bottom: 1px solid #f1f5f9;\n  }\n  .amt tbody td:last-child {\n    border-bottom: none;\n  }\n  .amt tbody td::before {\n    content: attr(data-label);\n    display: block;\n    font-weight: bold;\n    color: #003A63;\n    font-size: 0.75em;\n    text-transform: uppercase;\n    letter-spacing: 0.05em;\n    margin-bottom: 4px;\n  }\n}\n<\/style>\n\n<table class=\"amt\">\n  <thead>\n    <tr>\n      <th>Continuity risk<\/th>\n      <th>Cover to review<\/th>\n      <th>Why it matters<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Continuity risk\"><strong>Lost income after fire or insured damage<\/strong><\/td>\n      <td data-label=\"Cover to review\">Business interruption \/ consequential loss<\/td>\n      <td data-label=\"Why it matters\">Protects income while the business recovers. A 47-day shutdown generates revenue loss the fire claim alone does not cover.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Continuity risk\"><strong>Machinery downtime<\/strong><\/td>\n      <td data-label=\"Cover to review\">Machinery breakdown with business interruption extension<\/td>\n      <td data-label=\"Why it matters\">Where one machine failure can stop production entirely.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Continuity risk\"><strong>Cyber interruption<\/strong><\/td>\n      <td data-label=\"Cover to review\">Cyber insurance<\/td>\n      <td data-label=\"Why it matters\">Relevant where systems, payments, or client data are business-critical.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Continuity risk\"><strong>Employee dishonesty<\/strong><\/td>\n      <td data-label=\"Cover to review\">Fidelity guarantee<\/td>\n      <td data-label=\"Why it matters\">Where staff handle cash, stock, or client funds.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Continuity risk\"><strong>Death or disability of key person<\/strong><\/td>\n      <td data-label=\"Cover to review\">Key person cover<\/td>\n      <td data-label=\"Why it matters\">Where one founder, director, or specialist is central to the business.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p class=\"wp-block-paragraph\">Business interruption is often the missing piece.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A business may insure its assets and still fail to insure the income those assets produce.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Five_insurance_mistakes_Kenyan_SMEs_make_before_a_claim\"><\/span><strong>Five insurance mistakes Kenyan SMEs make before a claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Mistake<\/th>\n        <th>Why it feels safe<\/th>\n        <th>What can go wrong<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Mistake\"><strong>Treating WIBA as the full employee-risk solution<\/strong><\/td>\n        <td data-label=\"Why it feels safe\">The employer has a certificate.<\/td>\n        <td data-label=\"What can go wrong\">Employer liability, casual workers, contractors, and benefit gaps may still remain.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Mistake\"><strong>Buying fire cover without business interruption<\/strong><\/td>\n        <td data-label=\"Why it feels safe\">The assets are insured.<\/td>\n        <td data-label=\"What can go wrong\">Revenue can stop while rent, salaries, loans, and suppliers still need payment.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Mistake\"><strong>Insuring vehicles but not goods in transit<\/strong><\/td>\n        <td data-label=\"Why it feels safe\">The truck has comprehensive cover.<\/td>\n        <td data-label=\"What can go wrong\">The vehicle may be covered, but the stock inside may not be.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Mistake\"><strong>Relying on landlord insurance<\/strong><\/td>\n        <td data-label=\"Why it feels safe\">The building is insured.<\/td>\n        <td data-label=\"What can go wrong\">Your stock, fittings, equipment, improvements, and income may be excluded.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Mistake\"><strong>Buying liability cover with a low limit<\/strong><\/td>\n        <td data-label=\"Why it feels safe\">There is a public liability policy.<\/td>\n        <td data-label=\"What can go wrong\">The limit may be too low for the contract, premises, traffic, or worst credible claim.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An insurance certificate proves the policy was bought. A claim will show whether it was bought well<\/p>\n\n\n\n<section id=\"amss-biz-cta-audit\" aria-label=\"Book a free Benefit Scheme Audit\">\n<style>\n#amss-biz-cta-audit {\n  --db: #003A63;\n  --mb: #015587;\n  --gw: #EFA31C;\n  --gb: #FBC80B;\n  --sl: #475569;\n  --ow: #F8F9FA;\n  --wh: #ffffff;\n\n  display: block;\n  width: 100%;\n  box-sizing: border-box;\n\n  font-family: Inter, system-ui, -apple-system, \"Segoe UI\", Arial, sans-serif;\n  font-size: 16px;\n  margin: 40px 0;\n  border-radius: 14px;\n  overflow: hidden;\n  box-shadow: 0 8px 36px rgba(0,58,99,.13);\n  border: 1px solid rgba(0,58,99,.15);\n  color: var(--sl);\n  line-height: 1.65;\n}\n\n\/* \u2500\u2500 Ribbon \u2500\u2500 *\/\n#amss-biz-cta-audit .amss-ba-ribbon {\n  background: linear-gradient(135deg, var(--db) 0%, var(--mb) 100%);\n  padding: 14px 24px;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  flex-wrap: wrap;\n  gap: 8px;\n  box-sizing: border-box;\n  width: 100%;\n}\n#amss-biz-cta-audit .amss-ba-brand {\n  color: var(--wh);\n  font-size: 12px;\n  font-weight: 700;\n  letter-spacing: .07em;\n  text-transform: uppercase;\n}\n#amss-biz-cta-audit .amss-ba-tag {\n  background: rgba(255,255,255,.13);\n  color: var(--wh);\n  font-size: 11px;\n  font-weight: 600;\n  letter-spacing: .05em;\n  text-transform: uppercase;\n  padding: 5px 14px;\n  border-radius: 20px;\n  border: 1px solid rgba(255,255,255,.22);\n}\n\n\/* \u2500\u2500 Gold rule \u2500\u2500 *\/\n#amss-biz-cta-audit .amss-ba-rule {\n  height: 3px;\n  background: linear-gradient(90deg, var(--gw), var(--gb));\n  width: 100%;\n  display: block;\n}\n\n\/* \u2500\u2500 Body \u2014 two-column on desktop \u2500\u2500 *\/\n#amss-biz-cta-audit .amss-ba-body {\n  background: var(--wh);\n  padding: 28px 32px;\n  box-sizing: border-box;\n  width: 100%;\n  display: grid;\n  grid-template-columns: 1fr 270px;\n  gap: 0 36px;\n  align-items: start;\n}\n#amss-biz-cta-audit .amss-ba-main { min-width: 0; }\n\n#amss-biz-cta-audit .amss-ba-eyebrow {\n  font-size: 11px;\n  font-weight: 700;\n  letter-spacing: .11em;\n  text-transform: uppercase;\n  color: var(--gw);\n  margin: 0 0 12px;\n}\n#amss-biz-cta-audit .amss-ba-headline {\n  font-size: 22px;\n  font-weight: 800;\n  color: var(--db);\n  line-height: 1.35;\n  margin: 0 0 14px;\n}\n#amss-biz-cta-audit .amss-ba-copy {\n  font-size: 16px;\n  color: var(--sl);\n  margin: 0 0 20px;\n  line-height: 1.7;\n}\n\n\/* \u2500\u2500 Covers list \u2500\u2500 *\/\n#amss-biz-cta-audit .amss-ba-covers-label {\n  font-size: 12px;\n  font-weight: 700;\n  text-transform: uppercase;\n  letter-spacing: .09em;\n  color: var(--db);\n  margin: 0 0 10px;\n}\n#amss-biz-cta-audit .amss-ba-covers {\n  list-style: none;\n  padding: 0;\n  margin: 0 0 24px;\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 8px 16px;\n}\n#amss-biz-cta-audit .amss-ba-covers li {\n  font-size: 14px;\n  color: var(--sl);\n  display: flex;\n  align-items: flex-start;\n  gap: 7px;\n  line-height: 1.45;\n}\n#amss-biz-cta-audit .amss-ba-covers li::before {\n  content: '\u25b8';\n  color: var(--gw);\n  font-size: 13px;\n  flex-shrink: 0;\n  margin-top: 1px;\n}\n\n\/* \u2500\u2500 Side panel \u2500\u2500 *\/\n#amss-biz-cta-audit .amss-ba-side {\n  background: var(--ow);\n  border-radius: 10px;\n  border: 1px solid rgba(0,58,99,.10);\n  padding: 22px 20px;\n  display: flex;\n  flex-direction: column;\n  gap: 16px;\n  box-sizing: border-box;\n}\n#amss-biz-cta-audit .amss-ba-side-label {\n  font-size: 11px;\n  font-weight: 700;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n  color: var(--sl);\n  margin: 0 0 5px;\n}\n#amss-biz-cta-audit .amss-ba-side-value {\n  font-size: 16px;\n  font-weight: 800;\n  color: var(--db);\n  line-height: 1.3;\n  margin: 0;\n}\n#amss-biz-cta-audit .amss-ba-side-divider {\n  height: 1px;\n  background: rgba(0,58,99,.10);\n}\n#amss-biz-cta-audit .amss-ba-btn {\n  display: block;\n  background: var(--db);\n  color: var(--wh);\n  font-family: inherit;\n  font-size: 15px;\n  font-weight: 700;\n  padding: 14px 20px;\n  border-radius: 8px;\n  text-decoration: none;\n  text-align: center;\n  transition: background .2s;\n  border: 2px solid var(--db);\n  line-height: 1.3;\n  box-sizing: border-box;\n}\n#amss-biz-cta-audit .amss-ba-btn:hover {\n  background: var(--mb);\n  border-color: var(--mb);\n}\n\n\/* \u2500\u2500 Trust line \u2014 full width \u2500\u2500 *\/\n#amss-biz-cta-audit .amss-ba-trust {\n  font-size: 14px;\n  color: var(--sl);\n  font-style: italic;\n  margin: 0;\n  padding: 18px 32px;\n  border-top: 1px solid rgba(0,58,99,.09);\n  background: var(--wh);\n  grid-column: 1 \/ -1;\n  box-sizing: border-box;\n  width: 100%;\n}\n\n\/* \u2500\u2500 Mobile \u2500\u2500 *\/\n@media (max-width: 700px) {\n  #amss-biz-cta-audit .amss-ba-body {\n    grid-template-columns: 1fr;\n    padding: 22px 20px;\n    gap: 22px 0;\n  }\n  #amss-biz-cta-audit .amss-ba-covers { grid-template-columns: 1fr; }\n  #amss-biz-cta-audit .amss-ba-btn { width: 100%; }\n  #amss-biz-cta-audit .amss-ba-trust { padding: 16px 20px; }\n  #amss-biz-cta-audit .amss-ba-headline { font-size: 19px; }\n}\n<\/style>\n\n<div class=\"amss-ba-ribbon\">\n  <span class=\"amss-ba-brand\">Amssurity Insurance Agency<\/span>\n  <span class=\"amss-ba-tag\">Free Benefit Scheme Audit<\/span>\n<\/div>\n<div class=\"amss-ba-rule\" aria-hidden=\"true\"><\/div>\n<div class=\"amss-ba-body\">\n\n  <!-- Main column -->\n  <div class=\"amss-ba-main\">\n    <p class=\"amss-ba-eyebrow\">For SMEs with 10\u2013100 employees<\/p>\n    <p class=\"amss-ba-headline\">Before you renew, know what your current structure is actually worth at claim time.<\/p>\n    <p class=\"amss-ba-copy\">The Amssurity Benefit Scheme Audit reviews your business insurance as one structure \u2014 not five separate certificates bought at different times. You receive a written brief identifying gaps, duplications, weak limits, missing extensions, and contract risks. Not a verbal chat. A document you can act on.<\/p>\n    <p class=\"amss-ba-covers-label\">The audit covers<\/p>\n    <ul class=\"amss-ba-covers\">\n      <li>WIBA \u2014 all employee categories<\/li>\n      <li>Motor and goods in transit<\/li>\n      <li>Group medical and benefits<\/li>\n      <li>Business interruption<\/li>\n      <li>Fire, burglary, and assets<\/li>\n      <li>Public and professional liability<\/li>\n      <li>Machinery breakdown<\/li>\n      <li>Contract insurance clauses<\/li>\n    <\/ul>\n  <\/div>\n\n  <!-- Side panel -->\n  <div class=\"amss-ba-side\">\n    <div>\n      <p class=\"amss-ba-side-label\">Format<\/p>\n      <p class=\"amss-ba-side-value\">90-minute session + written brief<\/p>\n    <\/div>\n    <div class=\"amss-ba-side-divider\"><\/div>\n    <div>\n      <p class=\"amss-ba-side-label\">Turnaround<\/p>\n      <p class=\"amss-ba-side-value\">Brief delivered within 48 hours<\/p>\n    <\/div>\n    <div class=\"amss-ba-side-divider\"><\/div>\n    <div>\n      <p class=\"amss-ba-side-label\">Cost<\/p>\n      <p class=\"amss-ba-side-value\">No charge. No obligation.<\/p>\n    <\/div>\n    <div class=\"amss-ba-side-divider\"><\/div>\n    <a href=\"\/benefit-scheme-audit\/\" class=\"amss-ba-btn\">Book a Free Benefit Scheme Audit \u2192<\/a>\n  <\/div>\n\n  <p class=\"amss-ba-trust\">If a cheaper option will leave your business exposed at claim time, we will say so before you pay.<\/p>\n<\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business_insurance_in_Kenya_by_SME_type\"><\/span><strong>Business insurance in Kenya by SME type<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retail_and_wholesale_businesses\"><\/span><strong>Retail and wholesale businesses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<section class=\"amssurity-table-block am-retail-risk-table\">\n  <style>\n    .amssurity-table-block.am-retail-risk-table .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block.am-retail-risk-table .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block.am-retail-risk-table .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block.am-retail-risk-table .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block.am-retail-risk-table .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block.am-retail-risk-table .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block.am-retail-risk-table .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block.am-retail-risk-table .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block.am-retail-risk-table .amt,\n      .amssurity-table-block.am-retail-risk-table .amt tbody,\n      .amssurity-table-block.am-retail-risk-table .amt tr,\n      .amssurity-table-block.am-retail-risk-table .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block.am-retail-risk-table .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block.am-retail-risk-table .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block.am-retail-risk-table .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block.am-retail-risk-table .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Risk<\/th>\n        <th>Covers to review<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Risk\"><strong>Stock fire or theft<\/strong><\/td>\n        <td data-label=\"Covers to review\">Fire and perils, burglary, stock declaration.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Customer injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">Public liability.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Cash handling<\/strong><\/td>\n        <td data-label=\"Covers to review\">Money insurance, fidelity guarantee.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Delivery exposure<\/strong><\/td>\n        <td data-label=\"Covers to review\">Commercial motor, goods in transit.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Staff injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">WIBA, GPA, group medical.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Common gap:<\/strong> Stock values change during peak seasons, but the policy limit remains the same. A retail business insuring stock at KES 800,000 in the off-season and carrying KES 2.2 million in stock at peak may face a significant underinsurance adjustment on a December burglary claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Restaurants_cafes_and_hospitality_SMEs\"><\/span><strong>Restaurants, caf\u00e9s, and hospitality SMEs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<section class=\"amssurity-table-block am-hospitality-risk-table\">\n  <style>\n    .amssurity-table-block.am-hospitality-risk-table .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block.am-hospitality-risk-table .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block.am-hospitality-risk-table .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block.am-hospitality-risk-table .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block.am-hospitality-risk-table .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block.am-hospitality-risk-table .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block.am-hospitality-risk-table .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block.am-hospitality-risk-table .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block.am-hospitality-risk-table .amt,\n      .amssurity-table-block.am-hospitality-risk-table .amt tbody,\n      .amssurity-table-block.am-hospitality-risk-table .amt tr,\n      .amssurity-table-block.am-hospitality-risk-table .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block.am-hospitality-risk-table .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block.am-hospitality-risk-table .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block.am-hospitality-risk-table .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block.am-hospitality-risk-table .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Risk<\/th>\n        <th>Covers to review<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Risk\"><strong>Fire and kitchen hazards<\/strong><\/td>\n        <td data-label=\"Covers to review\">Fire and perils, business interruption.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Customer injury or illness<\/strong><\/td>\n        <td data-label=\"Covers to review\">Public liability, products liability.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Equipment breakdown<\/strong><\/td>\n        <td data-label=\"Covers to review\">Machinery breakdown, electronic equipment.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Staff injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">WIBA, GPA, group medical.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Cash and fraud<\/strong><\/td>\n        <td data-label=\"Covers to review\">Money insurance, fidelity guarantee.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Common gap:<\/strong> The business has public liability, but food-related products liability is not clearly addressed. A customer illness claim linked to food served by the business can generate liability costs well beyond KES 500,000 depending on severity, treatment, and legal pursuit \u2014 and may sit outside a standard public liability policy wording.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Professional_services_firms\"><\/span><strong>Professional services firms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This includes consultants, marketing agencies, accountants, trainers, architects, engineers, legal-adjacent firms, IT firms, and advisory businesses.<\/p>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Risk<\/th>\n        <th>Covers to review<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Risk\"><strong>Bad advice, negligence, or professional error<\/strong><\/td>\n        <td data-label=\"Covers to review\">Professional indemnity.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Client data exposure<\/strong><\/td>\n        <td data-label=\"Covers to review\">Cyber insurance.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Employee benefits<\/strong><\/td>\n        <td data-label=\"Covers to review\">Group medical, WIBA, GPA.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Office assets<\/strong><\/td>\n        <td data-label=\"Covers to review\">Office package, electronic equipment.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Director exposure<\/strong><\/td>\n        <td data-label=\"Covers to review\">Directors and officers liability.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Common gap:<\/strong> The firm insures furniture and laptops but not the professional service or advice that creates the real claim exposure. A training firm that delivers a course that is later challenged as negligent by a corporate client may face a KES 1 million or more claim. Public liability does not respond to professional errors. Professional indemnity does.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Construction_and_contracting_SMEs\"><\/span><strong>Construction and contracting SMEs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Risk<\/th>\n        <th>Covers to review<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Risk\"><strong>Project works damage<\/strong><\/td>\n        <td data-label=\"Covers to review\">Contractors all risks.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Third-party injury or property damage<\/strong><\/td>\n        <td data-label=\"Covers to review\">Public liability \/ third-party liability under CAR.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Employee injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">WIBA, GPA, employer\u2019s liability.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Plant and machinery<\/strong><\/td>\n        <td data-label=\"Covers to review\">Contractors\u2019 plant and machinery.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Vehicles and transit<\/strong><\/td>\n        <td data-label=\"Covers to review\">Commercial motor, goods in transit.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Contractual obligations<\/strong><\/td>\n        <td data-label=\"Covers to review\">Review insurance clauses before signing.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Common gap:<\/strong> The contractor signs a project contract requiring specific limits and extensions, then buys a generic policy that does not match the contract. A contract requiring KES 50 million CAR cover, third-party liability, and a thirty-six month defects liability period is not satisfied by a standard annual contractors\u2019 policy purchased at a generic limit. The gap becomes the contractor\u2019s direct liability if the client pursues a claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Manufacturing_and_processing_SMEs\"><\/span><strong>Manufacturing and processing SMEs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Risk<\/th>\n        <th>Covers to review<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Risk\"><strong>Fire, explosion, flood, or storm<\/strong><\/td>\n        <td data-label=\"Covers to review\">Fire and perils.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Machinery failure<\/strong><\/td>\n        <td data-label=\"Covers to review\">Machinery breakdown.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Production downtime<\/strong><\/td>\n        <td data-label=\"Covers to review\">Business interruption.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Product injury or defect<\/strong><\/td>\n        <td data-label=\"Covers to review\">Products liability.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Employee injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">WIBA, GPA, employer\u2019s liability.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Stock and raw materials<\/strong><\/td>\n        <td data-label=\"Covers to review\">Stock cover, goods in transit, marine cargo.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Common gap:<\/strong> The business depends on one or two critical machines but has no machinery breakdown or business interruption review. One critical machine failing mechanically for three weeks \u2014 not from fire but from an internal fault \u2014 may generate KES 400,000 or more in lost production revenue that sits entirely outside the fire policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Logistics_transport_and_delivery_SMEs\"><\/span><strong>Logistics, transport, and delivery SMEs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Risk<\/th>\n        <th>Covers to review<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Risk\"><strong>Vehicle accident<\/strong><\/td>\n        <td data-label=\"Covers to review\">Commercial motor.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Goods damage or theft<\/strong><\/td>\n        <td data-label=\"Covers to review\">Goods in transit.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Driver injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">WIBA, GPA.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Third-party injury<\/strong><\/td>\n        <td data-label=\"Covers to review\">Motor third-party liability and public liability where relevant.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Risk\"><strong>Contract exposure<\/strong><\/td>\n        <td data-label=\"Covers to review\">Review client transport agreements.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Common gap:<\/strong> The motor policy is active but the cargo exposure is absent. A logistics SME making daily runs carrying goods worth KES 250,000 to KES 400,000 per load has an uninsured goods exposure on every delivery where goods-in-transit cover is not in place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_business_insurance_covers_are_mandatory_in_Kenya\"><\/span><strong>Which business insurance covers are mandatory in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not every business insurance cover is legally mandatory for every SME.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some covers are legally required. Some are contractually required. Some are commercially necessary.<\/p>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Cover<\/th>\n        <th>Legal or commercial position<\/th>\n        <th>Practical note<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Cover\"><strong>WIBA insurance<\/strong><\/td>\n        <td data-label=\"Legal or commercial position\">Required for employers under the Work Injury Benefits Act, unless exempted under the Act.<\/td>\n        <td data-label=\"Practical note\">Any SME with employees should treat this as a core compliance cover \u2014 with correct payroll declaration across all relevant employee categories.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Cover\"><strong>Motor third-party insurance<\/strong><\/td>\n        <td data-label=\"Legal or commercial position\">Required for motor vehicles used on roads.<\/td>\n        <td data-label=\"Practical note\">Commercial motor use should be correctly declared.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Cover\"><strong>Professional indemnity<\/strong><\/td>\n        <td data-label=\"Legal or commercial position\">Often required by regulators, clients, tenders, or contracts in professional sectors.<\/td>\n        <td data-label=\"Practical note\">A general liability policy does not replace PI.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Cover\"><strong>Public liability<\/strong><\/td>\n        <td data-label=\"Legal or commercial position\">Often required by landlords, malls, clients, event organizers, and tender documents.<\/td>\n        <td data-label=\"Practical note\">Limit should match the real exposure and contract.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Cover\"><strong>Contractors all risks<\/strong><\/td>\n        <td data-label=\"Legal or commercial position\">Commonly required on construction, fit-out, and project contracts.<\/td>\n        <td data-label=\"Practical note\">Match the policy to the project scope, contract period, and employer requirements.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Cover\"><strong>Group medical<\/strong><\/td>\n        <td data-label=\"Legal or commercial position\">Usually not legally mandatory for all SMEs, but commercially important for retention and staff welfare.<\/td>\n        <td data-label=\"Practical note\">Benefit design affects both cost and employee satisfaction.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">The Insurance Regulatory Authority is the statutory regulator established under Kenya\u2019s Insurance Act to regulate, supervise, and promote the development of the insurance industry. Buyers can use IRA resources to check licensed insurers, agents, brokers, and other insurance entities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_compare_business_insurance_quotes_in_Kenya\"><\/span><strong>How to compare business insurance quotes in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Do not compare SME insurance quotes by premium alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare them by claim outcome.<\/p>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>What to compare<\/th>\n        <th>Why it matters<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"What to compare\"><strong>Sum insured<\/strong><\/td>\n        <td data-label=\"Why it matters\">Is the value realistic and current?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Limit of liability<\/strong><\/td>\n        <td data-label=\"Why it matters\">Is the limit enough for the worst credible claim?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Excess \/ deductible<\/strong><\/td>\n        <td data-label=\"Why it matters\">What amount will the business pay before the insurer pays?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Exclusions<\/strong><\/td>\n        <td data-label=\"Why it matters\">What is not covered?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Warranties and conditions<\/strong><\/td>\n        <td data-label=\"Why it matters\">What must the business do for cover to remain valid?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Territorial limits<\/strong><\/td>\n        <td data-label=\"Why it matters\">Where must the loss occur to be covered?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Business description<\/strong><\/td>\n        <td data-label=\"Why it matters\">Does the policy match what the business actually does?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Employee category<\/strong><\/td>\n        <td data-label=\"Why it matters\">Are casuals, contractors, drivers, and field staff treated correctly?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Claims procedure<\/strong><\/td>\n        <td data-label=\"Why it matters\">What documents and timelines apply?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Contract requirements<\/strong><\/td>\n        <td data-label=\"Why it matters\">Does the policy meet landlord, lender, client, or tender obligations?<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"What to compare\"><strong>Insurer claims handling<\/strong><\/td>\n        <td data-label=\"Why it matters\">How does the insurer handle claims in practice?<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">A cheaper quote may be adequate for a simple, low-risk business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But for an SME with stock, employees, customers, vehicles, machinery, contracts, and debt obligations, cheap cover can become expensive at claim time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_every_SME_should_request_before_buying_or_renewing_cover\"><\/span><strong>Documents every SME should request before buying or renewing cover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you buy or renew business insurance, request:<\/p>\n\n\n\n<ol id=\"block-7a123fb9-be0c-45cb-a2d9-ad14c6e53218\" class=\"wp-block-list\">\n<li>Policy schedule<\/li>\n\n\n\n<li>Full policy wording<\/li>\n\n\n\n<li>Endorsements and extensions<\/li>\n\n\n\n<li>Exclusions list<\/li>\n\n\n\n<li>Warranties and conditions<\/li>\n\n\n\n<li>Claims procedure<\/li>\n\n\n\n<li>Premium breakdown<\/li>\n\n\n\n<li>Asset schedule<\/li>\n\n\n\n<li>Vehicle schedule<\/li>\n\n\n\n<li>Employee and payroll schedule \u2014 with all relevant categories, including casuals where applicable<\/li>\n\n\n\n<li>Business interruption worksheet, where applicable<\/li>\n\n\n\n<li>Contract insurance requirements, where cover is tied to a client, landlord, lender, or tender<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A quote is not enough. The policy wording is where the real answer sits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_SME_insurance_audit_checklist\"><\/span><strong>The SME insurance audit checklist<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use this before renewal.<\/p>\n\n\n\n<section class=\"amssurity-table-block\">\n  <style>\n    .amssurity-table-block .amt {\n      border-collapse: collapse;\n      width: 100%;\n      font-family: Arial, sans-serif;\n      border-top: 4px solid #EFA31C;\n    }\n\n    .amssurity-table-block .amt thead tr {\n      background: #003A63;\n    }\n\n    .amssurity-table-block .amt thead th {\n      font-size: inherit;\n      color: #ffffff;\n      padding: 12px 16px;\n      text-align: left;\n      font-weight: bold;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(odd) {\n      background: #F8F9FA;\n    }\n\n    .amssurity-table-block .amt tbody tr:nth-child(even) {\n      background: #ffffff;\n    }\n\n    .amssurity-table-block .amt tbody td {\n      font-size: inherit;\n      color: inherit;\n      padding: 12px 16px;\n      border-bottom: 1px solid #e2e8f0;\n      vertical-align: top;\n    }\n\n    .amssurity-table-block .amt tbody tr:last-child td {\n      border-bottom: none;\n    }\n\n    @media (max-width: 640px) {\n      .amssurity-table-block .amt thead {\n        display: none;\n      }\n\n      .amssurity-table-block .amt,\n      .amssurity-table-block .amt tbody,\n      .amssurity-table-block .amt tr,\n      .amssurity-table-block .amt td {\n        display: block;\n        width: 100%;\n        box-sizing: border-box;\n      }\n\n      .amssurity-table-block .amt tbody tr {\n        margin-bottom: 16px;\n        border: 1px solid #e2e8f0;\n        border-top: 3px solid #003A63;\n        border-radius: 4px;\n        background: #ffffff !important;\n        overflow: hidden;\n      }\n\n      .amssurity-table-block .amt tbody td {\n        padding: 10px 14px;\n        border-bottom: 1px solid #f1f5f9;\n      }\n\n      .amssurity-table-block .amt tbody td:last-child {\n        border-bottom: none;\n      }\n\n      .amssurity-table-block .amt tbody td::before {\n        content: attr(data-label);\n        display: block;\n        font-weight: bold;\n        color: #003A63;\n        font-size: 0.75em;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-bottom: 4px;\n      }\n    }\n  <\/style>\n\n  <table class=\"amt\">\n    <thead>\n      <tr>\n        <th>Audit question<\/th>\n        <th>Why it matters<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td data-label=\"Audit question\"><strong>Has the business added new premises, branches, vehicles, machines, or stock?<\/strong><\/td>\n        <td data-label=\"Why it matters\">New assets may not be covered automatically.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Has payroll changed \u2014 including casuals, contractors, and seasonal workers where applicable?<\/strong><\/td>\n        <td data-label=\"Why it matters\">WIBA pricing and compliance may be wrong.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Has turnover changed?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Liability and business interruption exposure may shift.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Are stock values seasonal?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Underinsurance risk increases during peak periods.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Have you signed new client contracts?<\/strong><\/td>\n        <td data-label=\"Why it matters\">The contract may require specific covers or limits.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Are employees working off-site?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Fieldwork, delivery, and client-site work change risk.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Do you use casuals or subcontractors?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Their status and categories must be handled correctly in your WIBA schedule where applicable.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Has the business taken loans?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Lenders may require specific asset or credit-related cover.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Do customers visit your premises?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Public liability may be essential.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Could operations stop after one machine, supplier, system, or vehicle fails?<\/strong><\/td>\n        <td data-label=\"Why it matters\">Business interruption may need review.<\/td>\n      <\/tr>\n\n      <tr>\n        <td data-label=\"Audit question\"><strong>Does any workplace have 20 or more persons employed?<\/strong><\/td>\n        <td data-label=\"Why it matters\">If yes, check whether the safety and health committee requirement under OSHA applies and whether it is documented.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">If you cannot answer these questions quickly, your business insurance is probably being renewed from habit, not reviewed properly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Red_flags_in_SME_business_insurance\"><\/span><strong>Red flags in SME business insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Watch these carefully.<\/p>\n\n\n\n<ol id=\"block-fa7f9358-21a1-458f-81c5-16893c9b7ead\" class=\"wp-block-list\">\n<li>Your policies were bought one by one and have never been reviewed together.<\/li>\n\n\n\n<li>You only have certificates, not full policy wordings.<\/li>\n\n\n\n<li>Your stock value has changed but your sum insured has not.<\/li>\n\n\n\n<li>Your WIBA policy was declared on permanent employees only \u2014 casuals, seasonals, and daily-rated workers are not in the schedule.<\/li>\n\n\n\n<li>Your renewal discussion happens only a few days before expiry.<\/li>\n\n\n\n<li>Your insurer has an outdated business description.<\/li>\n\n\n\n<li>Your policy excludes the exact activity that now generates most of your revenue.<\/li>\n\n\n\n<li>You give professional advice but have no professional indemnity cover.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The problem is not always the insurer. Sometimes the policy was never given the right information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_does_business_insurance_cost_in_Kenya\"><\/span><strong>How much does business insurance cost in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The cost depends on your risk profile \u2014 sector, premises, assets, payroll, claims history, and the limits and extensions you need. A retail shop, a construction contractor, and a consulting firm should not be priced the same way.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before you ask what insurance costs, know what the risk costs. A forty-seven day shutdown, a disputed WIBA claim, a fire that destroys KES 1.2 million of equipment \u2014 the premium looks different when you price it against what you are protecting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_should_an_SME_review_its_business_insurance\"><\/span><strong>When should an SME review its business insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At minimum: before renewal, before signing a major client contract, before buying new machinery or vehicles, after a major claim or near miss, and whenever the main business activity changes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A renewal should not be a date on the calendar. It should be a risk review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_choose_an_insurance_advisor\"><\/span><strong>How to choose an insurance advisor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choose an advisor who can explain the policy, not just source the quote. If they only send a premium table, you are getting a quote comparison \u2014 not an insurance review.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advisory_verdict_the_best_business_insurance_is_structured_not_scattered\"><\/span><strong>Advisory verdict: the best business insurance is structured, not scattered<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For a small SME with simple operations, a basic business insurance package may be enough.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a growing SME with employees, stock, vehicles, contracts, customer interaction, machinery, credit obligations, or multiple locations, business insurance should be structured as a system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real test is not whether you have insurance certificates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real test is whether your covers work together when something goes wrong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A good SME insurance structure should answer five questions clearly:<\/p>\n\n\n\n<ol id=\"block-a627130c-528e-4216-90f2-03d225213cf0\" class=\"wp-block-list\">\n<li>What can stop the business from operating?<\/li>\n\n\n\n<li>What can create a legal claim against the business?<\/li>\n\n\n\n<li>What can injure employees, customers, contractors, or the public?<\/li>\n\n\n\n<li>What can damage assets, stock, vehicles, machinery, tools, or goods?<\/li>\n\n\n\n<li>What can damage cash flow even after the physical loss is repaired?<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If your current policies do not answer those questions, it is time for an audit.<\/p>\n\n\n\n<section id=\"amss-biz-cta-final\" aria-label=\"Get started with Amssurity\">\n<style>\n#amss-biz-cta-final {\n  --db: #003A63;\n  --mb: #015587;\n  --gw: #EFA31C;\n  --gb: #FBC80B;\n  --sl: #475569;\n  --ow: #F8F9FA;\n  --wh: #ffffff;\n\n  display: block;\n  width: 100%;\n  box-sizing: border-box;\n\n  font-family: Inter, system-ui, -apple-system, \"Segoe UI\", Arial, sans-serif;\n  font-size: 16px;\n  margin: 40px 0;\n  border-radius: 14px;\n  overflow: hidden;\n  box-shadow: 0 8px 36px rgba(0,58,99,.13);\n  border: 1px solid rgba(0,58,99,.15);\n  color: var(--sl);\n  line-height: 1.65;\n}\n\n\/* \u2500\u2500 Header \u2500\u2500 *\/\n#amss-biz-cta-final .amss-bf-header {\n  background: linear-gradient(135deg, var(--db) 0%, var(--mb) 100%);\n  padding: 32px 32px 28px;\n  text-align: center;\n  box-sizing: border-box;\n  width: 100%;\n}\n#amss-biz-cta-final .amss-bf-rule {\n  width: 44px;\n  height: 3px;\n  background: linear-gradient(90deg, var(--gw), var(--gb));\n  margin: 0 auto 18px;\n  border-radius: 2px;\n  display: block;\n}\n#amss-biz-cta-final .amss-bf-eyebrow {\n  font-size: 11px;\n  font-weight: 700;\n  letter-spacing: .12em;\n  text-transform: uppercase;\n  color: var(--gw);\n  margin: 0 0 14px;\n}\n#amss-biz-cta-final .amss-bf-headline {\n  font-size: 24px;\n  font-weight: 800;\n  color: var(--wh);\n  line-height: 1.35;\n  margin: 0 0 10px;\n}\n#amss-biz-cta-final .amss-bf-subhead {\n  font-size: 15px;\n  color: rgba(255,255,255,.75);\n  margin: 0;\n}\n\n\/* \u2500\u2500 Two paths \u2500\u2500 *\/\n#amss-biz-cta-final .amss-bf-paths {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  background: var(--wh);\n  width: 100%;\n  box-sizing: border-box;\n}\n#amss-biz-cta-final .amss-bf-path {\n  padding: 30px 32px 28px;\n  display: flex;\n  flex-direction: column;\n  box-sizing: border-box;\n}\n#amss-biz-cta-final .amss-bf-path:first-child {\n  border-right: 1px solid rgba(0,58,99,.10);\n}\n\n#amss-biz-cta-final .amss-bf-path-label {\n  font-size: 11px;\n  font-weight: 700;\n  letter-spacing: .12em;\n  text-transform: uppercase;\n  color: var(--gw);\n  margin: 0 0 10px;\n}\n#amss-biz-cta-final .amss-bf-path-title {\n  font-size: 18px;\n  font-weight: 800;\n  color: var(--db);\n  line-height: 1.35;\n  margin: 0 0 12px;\n}\n#amss-biz-cta-final .amss-bf-path-desc {\n  font-size: 15px;\n  color: var(--sl);\n  margin: 0 0 24px;\n  flex: 1;\n  line-height: 1.65;\n}\n\n\/* \u2500\u2500 Path buttons \u2500\u2500 *\/\n#amss-biz-cta-final .amss-bf-btn-primary {\n  display: block;\n  background: var(--db);\n  color: var(--wh);\n  font-family: inherit;\n  font-size: 15px;\n  font-weight: 700;\n  padding: 14px 20px;\n  border-radius: 8px;\n  text-decoration: none;\n  text-align: center;\n  transition: background .2s;\n  border: 2px solid var(--db);\n  box-sizing: border-box;\n}\n#amss-biz-cta-final .amss-bf-btn-primary:hover {\n  background: var(--mb);\n  border-color: var(--mb);\n}\n#amss-biz-cta-final .amss-bf-btn-outline {\n  display: block;\n  background: transparent;\n  color: var(--db);\n  font-family: inherit;\n  font-size: 15px;\n  font-weight: 700;\n  padding: 14px 20px;\n  border-radius: 8px;\n  text-decoration: none;\n  text-align: center;\n  border: 2px solid var(--db);\n  transition: background .2s, color .2s;\n  box-sizing: border-box;\n}\n#amss-biz-cta-final .amss-bf-btn-outline:hover {\n  background: var(--db);\n  color: var(--wh);\n}\n#amss-biz-cta-final .amss-bf-path-note {\n  font-size: 13px;\n  color: var(--sl);\n  margin: 10px 0 0;\n  text-align: center;\n}\n\n\/* \u2500\u2500 Contact bar \u2500\u2500 *\/\n#amss-biz-cta-final .amss-bf-contact {\n  background: var(--db);\n  padding: 16px 32px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  flex-wrap: wrap;\n  gap: 6px 20px;\n  box-sizing: border-box;\n  width: 100%;\n}\n#amss-biz-cta-final .amss-bf-contact-label {\n  color: rgba(255,255,255,.60);\n  font-size: 12px;\n  font-weight: 600;\n  text-transform: uppercase;\n  letter-spacing: .07em;\n}\n#amss-biz-cta-final .amss-bf-contact a {\n  color: rgba(255,255,255,.90);\n  font-size: 14px;\n  font-weight: 600;\n  text-decoration: none;\n  transition: color .2s;\n}\n#amss-biz-cta-final .amss-bf-contact a:hover {\n  color: var(--gw);\n}\n#amss-biz-cta-final .amss-bf-dot {\n  color: rgba(255,255,255,.25);\n  font-size: 10px;\n}\n\n\/* \u2500\u2500 Mobile \u2500\u2500 *\/\n@media (max-width: 620px) {\n  #amss-biz-cta-final .amss-bf-paths { grid-template-columns: 1fr; }\n  #amss-biz-cta-final .amss-bf-path:first-child {\n    border-right: none;\n    border-bottom: 1px solid rgba(0,58,99,.10);\n  }\n  #amss-biz-cta-final .amss-bf-path { padding: 24px 20px 22px; }\n  #amss-biz-cta-final .amss-bf-btn-primary,\n  #amss-biz-cta-final .amss-bf-btn-outline { width: 100%; }\n  #amss-biz-cta-final .amss-bf-header { padding: 26px 20px 22px; }\n  #amss-biz-cta-final .amss-bf-headline { font-size: 24px; }\n  #amss-biz-cta-final .amss-bf-contact { flex-direction: column; gap: 8px; text-align: center; padding: 16px 20px; }\n  #amss-biz-cta-final .amss-bf-dot { display: none; }\n}\n<\/style>\n\n<div class=\"amss-bf-header\">\n  <div class=\"amss-bf-rule\" aria-hidden=\"true\"><\/div>\n  <p class=\"amss-bf-eyebrow\">Amssurity Insurance Agency \u00b7 IRA-licensed agent<\/p>\n  <p class=\"amss-bf-headline\">Most SMEs do not need more policies.<br>They need a clearer view of the risks they already carry.<\/p>\n  <p class=\"amss-bf-subhead\">Two ways to start \u2014 choose the one that fits where you are now.<\/p>\n<\/div>\n\n<div class=\"amss-bf-paths\">\n\n  <div class=\"amss-bf-path\">\n    <p class=\"amss-bf-path-label\">If you know your structure needs a review<\/p>\n    <p class=\"amss-bf-path-title\">Book a Free Benefit Scheme Audit<\/p>\n    <p class=\"amss-bf-path-desc\">90 minutes. A written brief within 48 hours. We review your WIBA, group medical, fire, motor, liability, and continuity cover as one structure and give you a plain-English gap summary \u2014 not a pitch.<\/p>\n    <a href=\"\/benefit-scheme-audit\/\" class=\"amss-bf-btn-primary\">Book a Free Audit \u2192<\/a>\n    <p class=\"amss-bf-path-note\">Written brief within 48 hours &nbsp;\u00b7&nbsp; No obligation<\/p>\n  <\/div>\n\n  <div class=\"amss-bf-path\">\n    <p class=\"amss-bf-path-label\">If you want to compare your options first<\/p>\n    <p class=\"amss-bf-path-title\">Compare Business Insurance in Kenya<\/p>\n    <p class=\"amss-bf-path-desc\">Send us your current policy schedules and we identify the gaps, duplications, and cover areas to address before you renew. A written summary of where your structure stands \u2014 not a premium table.<\/p>\n    <a href=\"\/compare-business-insurance\/\" class=\"amss-bf-btn-outline\">Compare My Cover<\/a>\n    <p class=\"amss-bf-path-note\">IRA-licensed advisor &nbsp;\u00b7&nbsp; Plain-English review<\/p>\n  <\/div>\n\n<\/div>\n\n<div class=\"amss-bf-contact\">\n  <span class=\"amss-bf-contact-label\">Speak directly<\/span>\n  <a href=\"https:\/\/wa.me\/254725068537\" target=\"_blank\" rel=\"noopener\">WhatsApp +254 725 068 537<\/a>\n  <span class=\"amss-bf-dot\">\u25cf<\/span>\n  <a href=\"mailto:info@amssurity.co.ke\">info@amssurity.co.ke<\/a>\n  <span class=\"amss-bf-dot\">\u25cf<\/span>\n  <a href=\"https:\/\/calendar.app.google\/AfZh9NZinkxCSonu6\" target=\"_blank\" rel=\"noopener\">Book a call<\/a>\n<\/div>\n\n<\/section>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<!-- ============================================================\n     AMSSURITY INSURANCE AGENCY\n     Business Insurance SME Guide \u2014 FAQ Section\n     With FAQPage schema\n     June 2026\n\n     POSITION: After final CTA, closing the article\n     WordPress: paste into a Gutenberg Custom HTML block\n     If styles vanish on save, move <style> to\n     Appearance \u2192 Customize \u2192 Additional CSS\n\n     \u2022 Validate at search.google.com\/test\/rich-results\n     ============================================================ -->\n\n<!-- \u2500\u2500 FAQPage Schema \u2500\u2500 -->\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What is business insurance in Kenya?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Business insurance in Kenya is not one policy \u2014 it is a risk system. WIBA, fire, motor, liability, group medical, and business interruption are separate covers that should be reviewed together, not bought separately and forgotten.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What insurance does a small business need in Kenya?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Most SMEs should review WIBA, fire and perils, burglary, public liability, commercial motor, goods in transit, group medical, and business interruption. The right mix depends on your sector, employees, assets, and contracts \u2014 a logistics firm and a consulting firm carry very different risks.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Is WIBA insurance mandatory in Kenya?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Yes. Under the Work Injury Benefits Act, every employer must maintain a policy covering liabilities under the Act. The policy must reflect all worker categories \u2014 permanent, casual, seasonal, and daily-rated \u2014 not just permanent headcount. A policy declared on permanent employees only may not pay when a casual worker is injured.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Is motor insurance mandatory for business vehicles in Kenya?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Yes. No vehicle should be used on a road without a compliant third-party policy. Commercial use must be declared correctly \u2014 and a vehicle certificate does not mean your goods in transit, cargo liability, or driver injury exposure are covered.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Does fire insurance cover business interruption?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Not automatically. Fire insurance covers physical damage \u2014 not the income you lose while you are closed. That requires a separate business interruption or consequential loss policy.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Does my landlord's insurance cover my business assets?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Usually not. A landlord's policy covers the building structure. 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Do not compare premiums alone \u2014 cheap cover at the wrong limit or with the wrong exclusions will cost more at claim time than the premium you saved.\"\n        }\n      }\n    ]\n  }\n]\n<\/script>\n\n<!-- \u2500\u2500 Visual FAQ Section \u2500\u2500 -->\n<section id=\"amss-biz-faq\" aria-labelledby=\"amss-biz-faq-heading\">\n<style>\n#amss-biz-faq {\n  --db: #003A63;\n  --mb: #015587;\n  --gw: #EFA31C;\n  --gb: #FBC80B;\n  --sl: #475569;\n  --ow: #F8F9FA;\n  --wh: #ffffff;\n  --border: rgba(0,58,99,.11);\n\n  display: block;\n  width: 100%;\n  box-sizing: border-box;\n  font-family: Inter, system-ui, -apple-system, \"Segoe UI\", Arial, sans-serif;\n  font-size: 16px;\n  margin: 40px 0;\n  border-radius: 14px;\n  overflow: hidden;\n  box-shadow: 0 8px 32px rgba(0,58,99,.10);\n  border: 1px solid var(--border);\n  color: var(--sl);\n  line-height: 1.65;\n}\n\n\/* \u2500\u2500 Ribbon \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-ribbon {\n  background: linear-gradient(135deg, var(--db) 0%, var(--mb) 100%);\n  padding: 14px 24px;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  flex-wrap: wrap;\n  gap: 8px;\n  box-sizing: border-box;\n  width: 100%;\n}\n#amss-biz-faq .amss-faq-ribbon-brand {\n  color: var(--wh);\n  font-size: 12px;\n  font-weight: 700;\n  letter-spacing: .07em;\n  text-transform: uppercase;\n}\n#amss-biz-faq .amss-faq-ribbon-tag {\n  background: rgba(255,255,255,.12);\n  color: var(--wh);\n  font-size: 11px;\n  font-weight: 600;\n  letter-spacing: .05em;\n  text-transform: uppercase;\n  padding: 5px 14px;\n  border-radius: 20px;\n  border: 1px solid rgba(255,255,255,.22);\n}\n\n\/* \u2500\u2500 Gold rule \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-rule {\n  height: 3px;\n  background: linear-gradient(90deg, var(--gw), var(--gb));\n  display: block;\n  width: 100%;\n}\n\n\n\/* \u2500\u2500 Body \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-body {\n  background: var(--wh);\n  padding: 28px 32px 8px;\n  box-sizing: border-box;\n  width: 100%;\n}\n#amss-biz-faq .amss-faq-eyebrow {\n  font-size: 11px;\n  font-weight: 700;\n  letter-spacing: .11em;\n  text-transform: uppercase;\n  color: var(--gw);\n  margin: 0 0 10px;\n  display: block;\n}\n#amss-biz-faq .amss-faq-heading {\n  font-size: 22px;\n  font-weight: 800;\n  color: var(--db);\n  line-height: 1.3;\n  margin: 0 0 6px;\n}\n#amss-biz-faq .amss-faq-subhead {\n  font-size: 15px;\n  color: var(--sl);\n  margin: 0 0 24px;\n}\n\n\/* \u2500\u2500 Accordion \u2500\u2500 *\/\n#amss-biz-faq details.amss-faq-item {\n  border-top: 1px solid var(--border);\n  transition: background .15s;\n}\n#amss-biz-faq details.amss-faq-item:last-of-type {\n  border-bottom: 1px solid var(--border);\n}\n#amss-biz-faq details.amss-faq-item[open] {\n  background: var(--ow);\n  border-left: 3px solid var(--gw);\n}\n#amss-biz-faq details.amss-faq-item:not([open]) {\n  border-left: 3px solid transparent;\n}\n\n\/* \u2500\u2500 Question \u2500\u2500 *\/\n#amss-biz-faq details.amss-faq-item summary.amss-faq-q {\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 16px;\n  padding: 18px 20px 18px 16px;\n  cursor: pointer;\n  list-style: none;\n  font-size: 16px;\n  font-weight: 700;\n  color: var(--db);\n  line-height: 1.4;\n  user-select: none;\n  -webkit-user-select: none;\n}\n#amss-biz-faq details.amss-faq-item summary.amss-faq-q::-webkit-details-marker { display: none; }\n#amss-biz-faq details.amss-faq-item summary.amss-faq-q::marker { display: none; }\n#amss-biz-faq details.amss-faq-item summary.amss-faq-q:hover { color: var(--mb); }\n\n\/* \u2500\u2500 Toggle indicator \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-toggle {\n  flex-shrink: 0;\n  width: 28px;\n  height: 28px;\n  border-radius: 50%;\n  background: var(--ow);\n  border: 1px solid var(--border);\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  font-size: 18px;\n  font-weight: 400;\n  color: var(--gw);\n  line-height: 1;\n  transition: background .15s, transform .2s;\n  pointer-events: none;\n}\n#amss-biz-faq details.amss-faq-item[open] .amss-faq-toggle {\n  background: var(--gw);\n  color: var(--wh);\n  border-color: var(--gw);\n  transform: rotate(45deg);\n}\n\n\/* \u2500\u2500 Answer \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-a {\n  padding: 0 20px 20px 16px;\n  font-size: 15px;\n  color: var(--sl);\n  line-height: 1.7;\n  margin: 0;\n}\n\n\/* \u2500\u2500 Advisory note \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-note {\n  margin: 20px 0 0;\n  padding: 16px 20px;\n  background: var(--ow);\n  border: 1px solid rgba(0,58,99,.10);\n  border-left: 3px solid var(--gw);\n  border-radius: 0 8px 8px 0;\n  font-size: 14px;\n  color: var(--sl);\n  line-height: 1.65;\n}\n#amss-biz-faq .amss-faq-note strong { color: var(--db); font-weight: 700; }\n#amss-biz-faq .amss-faq-note a { color: var(--mb); font-weight: 600; text-decoration: none; }\n#amss-biz-faq .amss-faq-note a:hover { text-decoration: underline; }\n\n\/* \u2500\u2500 Footer strip \u2500\u2500 *\/\n#amss-biz-faq .amss-faq-footer {\n  background: var(--db);\n  padding: 12px 28px;\n  font-size: 12px;\n  color: rgba(255,255,255,.60);\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  flex-wrap: wrap;\n  gap: 6px;\n  box-sizing: border-box;\n  width: 100%;\n  margin-top: 24px;\n}\n#amss-biz-faq .amss-faq-footer a {\n  color: rgba(255,255,255,.70);\n  text-decoration: none;\n}\n#amss-biz-faq .amss-faq-footer-right {\n  font-size: 11px;\n  color: rgba(255,255,255,.45);\n  font-style: italic;\n}\n\n\/* \u2500\u2500 Mobile \u2500\u2500 *\/\n@media (max-width: 600px) {\n  #amss-biz-faq .amss-faq-ribbon { flex-direction: column; align-items: flex-start; }\n  #amss-biz-faq .amss-faq-body { padding: 22px 20px 8px; }\n  #amss-biz-faq .amss-faq-heading { font-size: 19px; }\n  #amss-biz-faq details.amss-faq-item summary.amss-faq-q { font-size: 15px; padding: 16px 16px 16px 14px; }\n  #amss-biz-faq .amss-faq-a { padding: 0 16px 18px 14px; font-size: 14px; }\n  #amss-biz-faq .amss-faq-footer { flex-direction: column; align-items: flex-start; gap: 4px; padding: 12px 20px; }\n}\n<\/style>\n\n<div class=\"amss-faq-ribbon\">\n  <span class=\"amss-faq-ribbon-brand\">Amssurity Insurance Agency<\/span>\n  <span class=\"amss-faq-ribbon-tag\">Business Insurance Kenya \u2014 FAQs<\/span>\n<\/div>\n<div class=\"amss-faq-rule\" aria-hidden=\"true\"><\/div>\n\n\n<div class=\"amss-faq-body\">\n  <span class=\"amss-faq-eyebrow\">Common questions<\/span>\n  <h2 class=\"amss-faq-heading\" id=\"amss-biz-faq-heading\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_about_business_insurance_in_Kenya\"><\/span>Frequently asked questions about business insurance in Kenya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p class=\"amss-faq-subhead\">Plain-English answers to the questions Kenyan SME owners ask most before renewal.<\/p>\n\n  <div class=\"amss-faq-list\">\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>What is business insurance in Kenya?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Business insurance in Kenya is not one policy \u2014 it is a risk system. WIBA, fire, motor, liability, group medical, and business interruption are separate covers that should be reviewed together, not bought separately and forgotten.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>What insurance does a small business need in Kenya?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Most SMEs should review WIBA, fire and perils, burglary, public liability, commercial motor, goods in transit, group medical, and business interruption. The right mix depends on your sector, employees, assets, and contracts \u2014 a logistics firm and a consulting firm carry very different risks.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>Is WIBA insurance mandatory in Kenya?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Yes. Under the Work Injury Benefits Act, every employer must maintain a policy covering liabilities under the Act. The policy must reflect all worker categories \u2014 permanent, casual, seasonal, and daily-rated \u2014 not just permanent headcount. A policy declared on permanent employees only may not pay when a casual worker is injured.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>Is motor insurance mandatory for business vehicles in Kenya?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Yes. No vehicle should be used on a road without a compliant third-party policy. Commercial use must be declared correctly \u2014 and a vehicle certificate does not mean your goods in transit, cargo liability, or driver injury exposure are covered.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>Does fire insurance cover business interruption?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Not automatically. Fire insurance covers physical damage \u2014 not the income you lose while you are closed. That requires a separate business interruption or consequential loss policy.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>Does my landlord&#8217;s insurance cover my business assets?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Usually not. A landlord&#8217;s policy covers the building structure. Your stock, equipment, fittings, improvements, and trading income are your responsibility to insure separately.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>What is public liability insurance?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Public liability protects your business against claims from third parties \u2014 customers, visitors, suppliers, contractors \u2014 for injury or property damage linked to your premises or operations. The limit matters: a low limit may be inadequate for the volume of people or value of assets on your site.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>What is professional indemnity insurance?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Professional indemnity protects businesses that give advice, consultancy, or professional services against claims for errors, negligence, or professional mistakes. It is a separate trigger from public liability \u2014 a PI claim arises from the quality of your advice, not physical injury or property damage.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>How often should an SME review business insurance?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">At minimum, before every renewal. Also before signing new contracts, buying machinery, increasing staff, or moving premises. If any workplace reaches 20 or more employees, review your safety committee obligations under the OSH Act at the same time.<\/p>\n    <\/details>\n\n    <details class=\"amss-faq-item\">\n      <summary class=\"amss-faq-q\">\n        <span>How do I compare business insurance quotes in Kenya?<\/span>\n        <span class=\"amss-faq-toggle\" aria-hidden=\"true\">+<\/span>\n      <\/summary>\n      <p class=\"amss-faq-a\">Compare limits, exclusions, excesses, warranties, employee declarations, and whether the policy description matches what your business actually does. Do not compare premiums alone \u2014 cheap cover at the wrong limit will cost more at claim time than the premium you saved.<\/p>\n    <\/details>\n\n  <\/div>\n\n  <p class=\"amss-faq-note\">\n    <strong>Still unsure which covers apply to your business?<\/strong> The answers above are a starting point \u2014 the detail sits in your schedule, wording, and exclusions. <a href=\"\/benefit-scheme-audit\/\">Request a free Benefit Scheme Audit<\/a> and we will review your current structure in plain English before your next renewal.\n  <\/p>\n\n<\/div>\n\n<div class=\"amss-faq-footer\">\n  <span>Amssurity Insurance Agency \u00b7 IRA-licensed Agent \u00b7 <a href=\"https:\/\/www.amssurity.co.ke\">amssurity.co.ke<\/a><\/span>\n  <span class=\"amss-faq-footer-right\">Last updated June 2026 \u00b7 For general education only \u2014 confirm current terms before purchase<\/span>\n<\/div>\n\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Source_and_review_note\"><\/span>Source and review note<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Author:<\/strong> Amssurity Insurance Agency<br><strong>Reviewed by:<\/strong> Agnes Mukulu, Licensed Insurance Advisor<br><strong>Last updated:<\/strong> June 2026<br><strong>Source basis:<\/strong> Kenya insurance legislation, IRA resources, insurer policy wordings, SME advisory experience, and Amssurity\u2019s insurance audit framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide is for general insurance education and should not replace a review of your specific policy wording, contracts, schedules, exclusions, and insurer terms. Benefits, limits, exclusions, and legal requirements may change. Always confirm the current position before buying, renewing, or relying on cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Amssurity Insurance Agency \u2014 IRA-licensed insurance agency \u2014 Nairobi, Kenya<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"SME Getting the right insurance\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/5yIhhpIpVOg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<!--\n  Amssurity Sticky CTA \u2014 self-contained web component (Shadow DOM)\n  For: Business Insurance in Kenya article\n  \u2713 Mobile-first, accessible, dismissible, UTM tagging\n-->\n\n<amssurity-sticky-cta\n  quote-url=\"https:\/\/www.amssurity.co.ke\/sme-and-corporate-insurance\/quote\"\n  advisor-url=\"https:\/\/www.amssurity.co.ke\/sme-and-corporate-insurance\"\n  phone=\"tel:+254762065500\"\n  whatsapp=\"https:\/\/wa.me\/254762065500?text=Hello%20Amssurity!%20I%27d%20like%20a%20business%20insurance%20quote.%20Business%20name%3A%20____.%20Industry%3A%20____.%20Location%3A%20____.%20Employees%3A%20____.%20Assets%20value%20(KES)%3A%20____.%20Annual%20turnover%3A%20KES%20____.%20Covers%20needed%3A%20WIBA%2C%20Public%20Liability%2C%20Property%2C%20Business%20Interruption%2C%20Professional%20Indemnity%2C%20Fidelity%20Guarantee%2C%20Contractors%20All%20Risk%2C%20Marine%2C%20Cyber%2C%20Group%20Medical%2C%20GPA%2C%20Other.%20Required%20limits%3A%20____.%20Contract%20or%20landlord%20requirements%3A%20____.%20Claims%20(last%203%20yrs)%3A%20____.%20Desired%20start%20date%3A%20____.%20Found%20via%20Business%20Insurance%20blog.\"\n  brand-color=\"#004AB4\"\n  accent-color=\"#D4AF37\"\n  title-text=\"Protect Your Business Today\"\n  subtitle-text=\"Fast multi-insurer quotes \u2014 WIBA, Liability, Property &#038; 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