Business Products

Work Injury Benefits Act (WIBA)

The Work Injuries Benefits Act No. 13 of 2007, requires that all employers must provide compensation to employees for work related injuries or diseases contracted as a result of work. WIBA insurance policy responds to the requirements of the above Act.

It covers employees whilst on duty against accidental bodily injury, disablement or death. Compensation is payable in accordance with the provisions of the WIBA Act 2007.

The maximum benefit is set at 96 months’ salary.

The insurance also covers funeral expenses, medical expenses and artificial appliances or prosthetics.

WIBA policy does not cover the armed forces, minors, business owners and employees deployed outside Kenya.

Employers’ Liability

Employers’ liability insurance protects employers from their legal liability to an employee for injury arising out of, and in the course of employment.

The policy protects the Employers against lawsuits brought against them by employees due to allegations of injuries or contracting diseases because of employer negligence. 

The employee must prove negligence on the part of the employer e.g. if injury is a result of lack of a helmet – which the employer failed to provide.

Employers Liability compliments WIBA and picks common law claims after WIBA has dealt with statutory claims.

Public Liability Insurance

This insurance is essential for businesses that interact with the public such as customers receiving deliveries or clients visiting your office or work premises. Home-based businesses should consider public liability insurance if their home office is also used as a client’s meeting place to cover legal liabilities due to accident, injuries and claims of negligence by third parties.

The policy protect against payments as the result of bodily injury, property damage, medical expenses, and the cost of defending lawsuits. 

Simple accidents like coffee spilling over a client’s computer, or a loose nail causing a customer to trip while visiting your office, could cost you thousands if you are uninsured.


This policy can be extended to cover Products liability where required.

Products Liability Insurance

Product liability insurance covers the cost of compensating anyone injured by a faulty product or damage to property caused by a faulty product that a business designs, manufactures or supplies. This insurance mainly targets the food and beverage industry, cosmetics, pharmaceuticals and manufacturers etc.

Personal injuries caused by a faulty product

Loss of, or damage to property caused by the faulty product

Fire and Perils Insurance

The basic fire and perils insurance covers loss or damage to property caused by fire, lighting or explosion.

The cover can also be extended to cover riots, strike, malicious damage, storm, earthquake, impact by vehicles, aircraft or other aerial devices, subterranean fire, spontaneous combustion or overflowing water from tanks and pipes.

This insurance covers assets such as buildings, plant and machinery, stock insurance, office equipment, furniture, fixtures and fittings.

The insurer guarantees to pay for the loss or damage to the property for the specified period (usually one year). The valuation of property is made according to the market value.

Burglary or Theft Insurance

Burglary or theft insurance covers loss or damage of insured property because of theft accompanied by visible, forcible and violent entry into, or exit out of the insured premises.

The policy extends to cover damage to the doors, windows, walls and roof by intruders in their attempt to gain entry and exit. As well as damage to the contents in the event of an attempted break-in to the premises.

Fidelity Guarantee Insurance

Companies are exposed to significant financial losses, due to crime committed by employees. Companies most often seek fidelity guarantee insurance where employees are more likely to cause financial loss because of their constant exposure to cash, stocks or other assets.


Fidelity Guarantee insurance covers an employer against loss of money, business equipment, securities or other goods belonging to the business resulting from an act of fraud or dishonesty by employees for improper personal financial gain in the course of their duties.

Fidelity Guarantee covers all employees engaged under a contract of service, for example storekeepers, sales people, staff authorized to handle cash among others.

It covers actions such as forgery, misappropriation of funds, embezzlement or diversion of money and theft of money or property.

Fidelity insurance may include a single employee or a group of employees and the cover extends to measurable financial losses only. The type and extent of cover you chose will depend on your particular business.

Goods in Transit (GIT) Insurance

Goods in Transit Insurance covers loss or damage to goods and/or merchandise while moving it from one place to another. This cover is restricted to Kenya but can be extended to cover East Africa subject to agreement with the insurance company.

Loading, carrying or unloading from any vehicle

Collision, overturning or derailment of the conveying vehicle

Theft and pilferage following collision, overturning or derailment of the conveying vehicle.

This insurance can extend to cover expenses reasonably and necessarily incurred in respect of;

Cost of debris removal of property damaged from the site where damage occurred

Transferring property from the vehicle following an accident and reloading to another conveyance

 Security and protection at the site of accident

Damage to tarpaulins, trailer curtains, ropes, chains, webbing straps and packing material following an accident.

Political violence and terrorism is currently a common extension.

Carriers Legal Liability Insurance

Carriers Legal Liability Insurance insures a carrier (person or entity providing transportation for hire) against legal liability claims.

The insurance covers accidental loss or damage to goods in the custody or control of the insured whilst in transit by road, rail, inland waterway, air or any other specified means. The cover territory is within Kenya however; it can extend to East Africa based on agreement with the insurer.