Focus on the customer, not the worry. Complete protection against theft, injuries, and legal claims.
One Mistake Shouldn’t Cost Everything. One employee injury or a single lawsuit can freeze cash flow and halt operations. Business insurance isn’t just about compliance it’s about removing the obstacles that stand between the company and its growth targets. Keep the doors open, no matter what.
Essential protection for employees, liabilities, and assets.
Protect the business against costly lawsuits if an employee is injured or falls ill at work. Covers medical bills, lost wages, and disability payouts.
he ultimate convenience. A single policy that bundles Fire, Burglary, Money, and Theft coverage. Perfect for shops, offices, and small businesses looking for total protection.
Accidents happen. If a customer slips in the shop or property is damaged during a job, this policy pays the legal fees and compensation claims, saving the business from bankruptcy.
Compliance & Law Avoid heavy government fines and labor lawsuits by maintaining mandatory WIBA coverage for all staff.
Credibility with Clients Big tenders and corporate clients often require proof of insurance (Public Liability/WIBA) before signing contracts. Win more business by being ready.
Cash Flow Stability Don’t dip into profits to replace stolen stock or pay hospital bills. Let the insurer handle the sudden expenses.
Employee Retention Staff work harder when they know they are safe. Providing medical and accident cover boosts morale and reduces turnover.
Win Corporate Contracts Big clients and government tenders require proof of insurance. A valid policy (Public Liability or WIBA) acts as a “passport” to bid for higher-value opportunities.
Mandatory Legal Compliance Avoid government fines and labor courts. The Work Injury Benefits Act (WIBA) requires every employer to cover their staff. Compliance keeps the business open and legal.
Boost Employee Loyalty Staff work harder when they feel safe. Providing medical and accident cover demonstrates respect for the team, reducing turnover and boosting productivity.
Protect Cash Reserves A delivery van crash or a burglary creates an immediate cash crisis. Insurance turns these unpredictable shocks into a managed process, keeping capital free for expansion.
Answers to the most pressing questions about compliance and coverage.
Yes. Under Kenyan law (The Work Injury Benefits Act), every employer must provide coverage for all employees, whether permanent, temporary, or casual. Failure to do so exposes the business to heavy fines and direct liability for medical bills and lost wages if an injury occurs.
Accidents happen everywhere. A client tripping over a cable in the reception area or a sign falling on a parked car can trigger a lawsuit. Furthermore, most corporate clients and landlords now require proof of Public Liability before awarding tenders or signing leases.
Absolutely. The SME Combined Policy is designed specifically for this. It bundles Fire, Burglary, All Risks (for electronics), and WIBA into a single, cost-effective contract, reducing paperwork and administrative load.
In insurance terms, Burglary usually requires evidence of “forcible and violent entry or exit” (e.g., a broken door). Theft is broader. It is crucial to check the policy exclusions to ensure the premises have the required security measures (like grilled windows or alarms) to validate claims.
Standard policies usually cover goods in commercial vehicles owned or hired by the business. However, coverage for goods in private cars often requires a specific extension. Always specify the mode of transport when requesting a quote to ensure full protection.
Premiums are generally a small percentage of the Total Value at Risk (e.g., the value of stock, furniture, or the annual payroll for WIBA). Security measures like CCTV, alarms, and fire sprinklers can often help lower these rates.
Remove the risks that hold the business back. fast quotes, compliant policies, and solid support. Cap the downside risk so the upside potential is unlimited.
