Business Insurance

Business Insurance

Your business built it. We protect it.

Liability, property, and business continuity covers for Kenyan SMEs and corporates. One call. We assess your exposure, compare the market, and structure cover that grows with your business.

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Radical transparency

What’s covered. What’s not.

Covered (comprehensive plan)

Public liability

third-party bodily injury or property damage on your business premises or operations

Business premises & contents

fire, burglary, flood, storm damage

Business interruption

loss of revenue following a covered property event (fire, flood)

Work Injury Benefits Act (WIBA)

statutory employer liability for employee injuries at work

Goods in transit

stock and goods during road, rail, or sea transport

Money cover

cash on premises, in transit, or at director's home

Not covered (standard policy)

Contractual liability

obligations assumed under contract beyond standard common law

Cyber attacks and data breaches

these require a separate cyber liability policy

Employee dishonesty

requires a specific fidelity guarantee or crime policy

Professional errors

advice and service failures require professional indemnity (see that page)

Professional errors

advice and service failures require professional indemnity (see that page)

Undisclosed business activities

cover only applies to the activities declared at inception

Business Insurance FAQS

Is WIBA mandatory in Kenya?

Yes. The Work Injury Benefits Act requires all employers in Kenya to maintain insurance against employee injuries arising from work. Failure to comply exposes your business to unlimited liability and criminal penalties. We handle WIBA as a standard part of every business package.

We operate from multiple locations — can one policy cover all sites?

Yes. Multi-premises policies are standard for businesses with branches. Each location is declared and rated, we ensure all sites are correctly covered under one consolidated policy so there are no gaps.