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5 Insurance Policies Every Kenyan Business Should Have

Most Kenyan businesses are one incident away from a crisis they could have insured against. These five covers form the foundation.

One, property insurance — fire, theft and damage to your premises and assets. Two, liability insurance — public liability for injury or damage to third parties, plus product liability where relevant. Three, WIBA — workers compensation is a legal requirement for employees and protects you from injury claims.

Four, business interruption — replaces lost income while you recover from an insured disaster; this is the cover that actually keeps businesses alive. Five, cyber insurance — fraud, data breaches and business email compromise now hit SMEs as often as large corporates.

Beyond these, group medical and life schemes help you attract and keep good staff. We conduct a free risk review and build a package matched to your industry — not a generic bundle.