Photo: Fredynjeje, Wikimedia Commons, CC BY-SA 4.0Business insurance and work injury in Kenya
Business insurance in Kenya: WIBA and what employers must insure
Short answerChecked 23 September 2026
Every employer in Kenya must obtain and maintain an insurance policy covering its employees under the Work Injury Benefits Act (WIBA), s.7. Without it: a fine of up to KES 100,000, up to 3 months in prison, or both — plus up to KES 10,000 for each day the breach continues after conviction. Report an accident within 7 days, a death within 24 hours.
What WIBA requires
From the Work Injury Benefits Act:
| Section | Rule |
|---|---|
| 7(1) | Every employer must obtain and maintain an insurance policy with an approved insurer |
| 7(2)–(3) | Exemption only if the employer lodges an approved security instead |
| 7(4)–(5) | No insurance: up to KES 100,000 and/or 3 months; up to KES 10,000 per day after conviction |
| 21 | Fatal accident: notify the Director within 24 hours |
| 22(1) | Report any accident to the Director within 7 days |
| 26(1) | A compensation claim must be lodged within 12 months of the accident or death |
Matatu and bus operators must show WIBA compliance to get an NTSA licence (see commercial vehicles).
Other covers businesses consider
- Fire and perils for premises and stock.
- Burglary, money and fidelity guarantee.
- Public and product liability.
- Goods in transit and marine cargo for imports.
- Motor fleet (commercial or PSV third-party is compulsory).
- Group medical and group life for staff.
Claims must be settled within 90 days once documents are complete (Insurance Act s.203).
What would you like to do now?
Frequently asked questions
Is WIBA insurance compulsory in Kenya?
Yes. Section 7 of the Work Injury Benefits Act requires every employer to obtain and maintain an insurance policy with an approved insurer.
What is the penalty for not having WIBA cover?
A fine of up to KES 100,000, up to 3 months in prison, or both, plus up to KES 10,000 for each day the offence continues after conviction (s.7(4)–(5)).