Business Insurance Kenya 2026 Protect Your SME

Property, liability, motor fleet, WIBA, and group life cover for businesses in Diani, Mombasa, and across Kenya.

Business insurance protects your company from financial losses due to property damage, liability claims, employee injury, and business interruption.

In Kenya, business insurance is essential for every enterprise — from SMEs to large corporations. At Precise Insurance Agency, we compare plans from all leading insurers — including Jubilee, Britam, CIC, Madison, APA, Old Mutual, and more.

Whether you need property, liability, motor fleet, WIBA, or group life cover, we'll help you find the best plan for your business.

Did you know? WIBA insurance is mandatory for all employers in Kenya, and many SME insurance packages offer comprehensive protection at affordable rates.

Regulated by IRA
Business Insurance Kenya — SME Protection
InstantBusiness cover
/ 01

Property & Asset Cover

Protect your business assets

  • Buildings & Contents: Covers premises, stock, equipment, and furniture against fire, theft, floods, and natural disasters.
  • Equipment Breakdown: Protection for machinery, computers, and specialized equipment.
  • Stock & Inventory: Covers loss of stock due to theft, fire, or damage.
  • Premiums: Typically 0.5-2% of asset value. Flexible options for SMEs.
  • Top providers: Jubilee, Britam, CIC, APA, Madison, Old Mutual.
/ 02

Liability Insurance

Protect your business from legal claims.

Public Liability

Covers third party injuries, property damage, and legal costs if someone is injured on your premises or your operations cause damage. Essential for retail, hospitality, and offices.

Professional Indemnity

Essential for consultants, lawyers, doctors, architects, and other professionals. Covers claims of negligence, errors, and omissions.

Product Liability

Covers claims related to products you sell or manufacture. Essential for retailers, wholesalers, and manufacturers.

/ 03

Motor Fleet Insurance

Comprehensive fleet protection

  • What it is: Covers all vehicles in your fleet — cars, trucks, vans, and motorcycles.
  • Coverage: Comprehensive, third party, fire & theft options.
  • Benefits: Bulk discounts, flexible payment, and dedicated claims support.
  • Add-ons: Cover for hired vehicles, drivers' personal accident, and passenger liability.
  • Top providers: Jubilee, Britam, APA, CIC, Madison.
/ 04

WIBA & Group Life Insurance

Protect your employees and meet legal obligations.

WIBA Insurance

  • Mandatory for all employers in Kenya
  • Covers work-related injuries, diseases, and death
  • Premiums: 0.5-3% of total payroll

Group Life Insurance

  • Covers employees against death, disability, and critical illness
  • 1-5x annual salary cover
  • Tax-deductible premiums and improves employee retention
/ 05

Business Interruption Insurance

Keep your business running

  • What it is: Covers loss of income if your business operations are disrupted by an insured event (fire, flood, etc.).
  • What's covered: Lost profits, fixed costs, payroll, and temporary relocation expenses.
  • Duration: Usually 12-24 months, depending on the policy.
  • Who needs it: All businesses — especially those with high fixed costs and seasonal income.
  • Top providers: Jubilee, Britam, CIC, APA, Old Mutual.
/ 06

Business Insurance in the Coastal Region

  • Businesses in Diani, Mombasa, and Kwale face unique risks including flooding, theft, and tourism industry volatility.
  • Hospitality and tourism businesses need property, liability, and business interruption cover.
  • Retail and wholesale businesses need property, liability, and stock cover.
  • Construction and manufacturing need property, liability, and motor fleet cover.
  • What's available: All major business insurance covers are available from leading insurers.

Get a Business Insurance Quote

Compare property, liability, fleet, WIBA, and group life cover from leading insurers.

Hold Ctrl/Cmd to select multiple

We'll compare plans from Jubilee, Britam, CIC, APA, Madison, Old Mutual and more to find you the best business cover.

Thank You for Your Request!

Your business insurance quote request has been received. We'll get back to you within 24 hours with options from top insurers.

For immediate assistance, call +254 726 439 278

/ 07

Frequently Asked Questions

Business insurance protects your company from financial losses due to property damage, liability claims, employee injury, and business interruption. It's essential for all businesses, from SMEs to large corporations.
Common covers include: property insurance, public liability, professional indemnity, motor fleet, WIBA, group life, group medical, business interruption, and cyber insurance.
WIBA (Work Injury Benefits Act) insurance is mandatory for all employers in Kenya. It covers employees against work-related injuries, diseases, and death. Penalties apply for non-compliance.
Business interruption covers loss of income if your business operations are disrupted by an insured event like fire, flood, or other property damage.
Costs vary based on business size, industry, location, and coverage levels. Property insurance is typically 0.5-2% of asset value. WIBA is 0.5-3% of payroll. We'll help you find competitive quotes.
Yes, public liability protects your business if someone is injured on your premises or you damage their property. Professional indemnity covers errors in your services.
Contact Precise Insurance or your insurer directly. Provide necessary documentation (claim form, police report, photos, invoices). We'll guide you through the process to ensure a quick payout.
Motor fleet insurance covers all vehicles in your business fleet — cars, trucks, vans, and motorcycles. It offers comprehensive cover, bulk discounts, and dedicated claims support.