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The SME insurance checklist every Kenyan business owner needs
Business30 June 2026 7 min read
Fire, burglary, WIBA, public liability and goods-in-transit — the five covers that stop a bad week from closing your business.
WIBA is not optional
If you have employees, the Work Injury Benefits Act applies to you. It is both a legal requirement and the cover that protects you from the most common workplace claims.
Insure stock at the right value
Under-declaring stock to save on premium triggers average clauses at claim time — you get paid a proportion of the loss, not the loss. Declare honestly and negotiate the rate instead.
Public liability protects your reputation
One customer injury on your premises can cost more than a year of premiums. Liability cover handles both the settlement and the legal costs around it.
