Farm Protector Insurance in Kenya – A Complete Guide for Agribusiness Owners
Agribusiness in Kenya is rewarding, but it’s also unpredictable. One bad season, an equipment breakdown, or unexpected disaster can cause massive losses. That’s why Farm Protector Insurance exists — to safeguard your farm or agricultural business from risks that could disrupt your operations. The Geminia Farm Protector package is designed to provide comprehensive, customizable protection for every stage of the agricultural value chain — from production to processing, distribution, and even sales.
Key Takeaways
- Farm Protector Insurance offers 12 comprehensive coverage sections for complete agricultural protection
- Customizable coverage allows you to select only the sections relevant to your specific farming needs
- Coverage spans the entire agricultural value chain from production to sales
- One simplified policy replaces multiple separate insurance policies
- Suitable for small-scale farmers to large agribusiness companies
Table of Contents
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📱 Join WhatsApp GroupWhat is Farm Protector Insurance?
Farm Protector Insurance is a sectionalized insurance package that covers a wide range of risks in agriculture, from crops and livestock to buildings, machinery, employees, and even your income. Instead of buying multiple separate policies, you can select the sections relevant to your business and get them all under one simplified policy.
Key Areas Covered Under Farm Protector Insurance
Farm Protector is divided into 12 main sections, each covering specific risks. You can choose the ones that apply to your farm or agribusiness.
| Coverage Section | Description | Key Benefits |
|---|---|---|
| Agriculture Insurance | Protects biological assets such as livestock, crops, and plants — including those under contract farming, leasing, or financing agreements. | Comprehensive biological asset protection |
| Buildings, Structures & Equipment | Covers damage or loss to farm buildings, greenhouses, fittings, and fixtures due to fire or other listed risks. | Property and infrastructure security |
| Work Injury Benefit Act (WIBA) | Provides compensation to employees injured while on the job — meeting your legal obligations. | Legal compliance and employee protection |
| Greenhouse Insurance | Protects the greenhouse structure and crops inside against windstorms, excessive rainfall, and fire. | Specialized greenhouse protection |
| Machinery Breakdown | Covers damage to essential farm and processing machinery due to sudden and unforeseen breakdowns. | Equipment continuity assurance |
| Burglary | Protects against theft involving forcible entry into your premises. | Security against theft |
| Goods in Transit | Covers goods being transported — from your farm to the market or processing facility. | Transportation risk coverage |
| Office Equipment | Protects your office tools and electronics from sudden loss or damage. | Administrative asset protection |
| Farm Motor Vehicles | Covers tractors, harvesters, farm trailers, and other agricultural vehicles. | Agricultural vehicle protection |
| Deterioration of Stock | Compensates for perishable goods (like fish, milk, or produce) that spoil due to cold storage equipment failure. | Perishable goods security |
| Loss of Profit | Covers lost income if production stops due to the loss of crops or livestock. | Income protection guarantee |
| Credit Life | Ensures debt repayments are covered if a borrower in your agribusiness passes away. | Debt protection for families |
Extra Cover Options
You can also add these additional protections to enhance your coverage:
Who Can Apply?
This comprehensive coverage is ideal for various agricultural stakeholders:
🌱 Small to Large-Scale Farmers
Whether you’re growing maize, vegetables, or managing livestock, protect your livelihood with customized coverage options.
🏢 Agribusiness Companies
Comprehensive protection for commercial agricultural operations from seed to market.
🚛 Produce Distributors
Secure your goods in transit and protect your distribution infrastructure.
🏭 Food Processors
Cover your processing equipment, facilities, and finished products against unexpected losses.
🏪 Agri-Retailers
Protect your inventory, premises, and business operations in the agricultural retail sector.
Why Choose Farm Protector Insurance?
For farmers looking to understand more about specialized agricultural coverage, you can also explore our comprehensive guide on crop insurance in Kenya, which provides detailed insights into current trends and solutions.
How Claims Are Settled
Claims are processed efficiently and paid based on the following criteria:
🌾 Crop Damage Claims
Compensation based on verified damage to insured crops due to covered perils like weather, disease, or pests.
🐄 Livestock Death Claims
Payment for death of insured livestock due to accident, disease, or other covered causes.
🏗️ Property Destruction Claims
Coverage for destruction or loss of insured buildings, equipment, and other property assets.
📋 Other Covered Claims
All other claims are settled according to the declared values specified in your individual policy terms.
Ready to Protect Your Farm? Contact Us Today!
Get personalized advice and quotes for your specific agricultural needs.
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+254 (0) 729 712 200
+254 (0) 716 534 192
0722 888 350
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Protect your agricultural investment with comprehensive, customizable coverage.
Get Free Quote NowFinal Thoughts
Farming is a business, and like any business, it needs protection. With the Geminia Farm Protector, you can secure your crops, animals, equipment, employees, and even your profits under one easy-to-manage policy. Don’t let unexpected risks destroy years of hard work – invest in comprehensive agricultural insurance that grows with your business.
The agricultural sector in Kenya faces numerous challenges, from unpredictable weather patterns to market volatility. Farm Protector Insurance provides the peace of mind you need to focus on what you do best – growing your agricultural business. Whether you’re a small-scale farmer or managing a large agribusiness operation, this comprehensive insurance solution adapts to your specific needs and budget.
Take the first step towards securing your agricultural future. Contact our experienced agricultural insurance specialists today to discuss how Farm Protector Insurance can be tailored to your unique farming operation. Your farm’s protection is our priority.
Step-by-Step Guide to Buying Professional Indemnity Insurance in Kenya
Professional indemnity insurance is no longer a luxury for professionals in Kenya — it’s a necessity. Whether you’re a doctor, lawyer, consultant, engineer, architect, accountant, or freelancer, your reputation and financial well-being are always on the line. In a world where a small professional error can lead to a costly legal claim, this cover is your safety net.
If you’re wondering how to buy professional indemnity insurance in Kenya, you’re in the right place. Here’s a simple, step-by-step guide tailored to Kenyan professionals and businesses.
🔑Key Takeaways
- Essential Protection: Professional indemnity insurance protects against financial loss from client claims due to professional errors or negligence
- Regulatory Requirement: Many professions in Kenya require PI insurance for licensing, tenders, and client contracts
- Cost-Effective: Premiums range from KES 5,000 to KES 150,000+ annually – far less than potential claim costs
- Simple Process: Getting covered involves 6 straightforward steps from risk assessment to policy purchase
📋Table of Contents
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📱Join WhatsApp Group🔍What Is Professional Indemnity Insurance?
Professional indemnity insurance (also called PI or errors & omissions insurance) protects professionals from financial loss if a client suffers harm due to your advice, service, or negligence.
Example: If you’re a consultant and your strategy leads to a client losing money, or you’re a doctor facing a malpractice claim, indemnity insurance helps cover legal costs, settlements, and damages.
👥Who Needs Professional Indemnity Insurance in Kenya?
This cover is essential for any professional who provides advice, designs, or services. This includes:
| 👨💼Profession | ⚠️Risk Level | 📋Common Requirements |
|---|---|---|
| 👩🏽⚕️ Medical practitioners | High | KMPDU registration, Hospital privileges |
| 👨🏽⚖️ Lawyers and legal advisors | High | LSK membership, Court practice |
| 🧱 Engineers and architects | High | EBK/BAK registration, Project approvals |
| 📊 Accountants and financial advisors | Medium-High | ICPAK membership, Audit practice |
| 🧑🏽💻 IT professionals and developers | Medium | Client contracts, Data handling |
| 🎯 Marketing agencies and freelancers | Medium | Campaign results, Brand protection |
| 🏢 Consultancy firms | Variable | Government tenders, Client agreements |
In some professions, PI insurance is a regulatory or client requirement, especially for public sector tenders and board registrations.
📘Step-by-Step Guide to Buying Professional Indemnity Cover in Kenya
📊Step 1: Assess Your Risk
Start by asking:
- What services do I offer?
- What could go wrong if I made a mistake?
- Have I had any client disputes in the past?
The higher the risk or value of advice you provide, the higher the level of cover you may need.
💵Step 2: Determine Your Coverage Limit
Choose a cover limit that matches your profession’s needs. Common cover amounts in Kenya range from KES 500,000 to over KES 100 million.
Some clients or regulatory bodies (like LSK or KMPDU) may require a minimum amount before you can work with them.
🔍Step 3: Compare Insurance Providers
Look for insurers or brokers who:
- Understand your industry
- Offer flexible cover options
- Have a strong track record in handling claims
- Provide fast turnaround for certificates
✅ Tip: Step by Step Insurance is trusted by hundreds of professionals in Kenya and offers personalized support.
📝Step 4: Request a Quote
You’ll usually need to provide:
- Your profession
- Number of years in practice
- Scope of your work
- Any previous claims
💼Get Your Free Quote Today!
Ready to protect your professional career? Get a personalized quote in minutes.
📊Get Free Quote🔎Step 5: Review the Policy Details
Before buying, check:
- What’s included in the cover
- What’s excluded (e.g., criminal acts, known errors)
- Any excess or deductibles
- Whether the policy covers retroactive work
✅Step 6: Purchase and Receive Your Certificate
Once payment is made, you’ll receive your Certificate of Indemnity — often required by clients or tenders.
📅 Don’t forget: to renew your policy annually and update your provider on any changes in your services or risk profile.
💰How Much Does Professional Indemnity Insurance Cost in Kenya?
Premiums vary based on:
| 📊Factor | 📈Impact on Premium | 💡Examples |
|---|---|---|
| Your profession and industry | High Impact | Medical > Legal > Engineering > IT |
| Revenue or project value | Medium-High Impact | KES 1M revenue vs KES 50M revenue |
| Risk exposure and claims history | High Impact | Previous claims increase premiums |
| Cover amount selected | Medium Impact | KES 1M vs KES 10M cover |
💡 Typical costs: can range from KES 5,000 to KES 150,000+ per year.
Remember: The cost of not having indemnity insurance is always higher.
🛡️Where to Buy Professional Indemnity Insurance in Kenya
For affordable, fast, and reliable cover — turn to Step by Step Insurance.
We work with trusted local underwriters to offer:
- Customized PI cover
- Fast document delivery
- Flexible payment options
- Guidance based on your profession
| 🔗Related Professional Indemnity Resources | |
|---|---|
| Regulatory Requirements | PI Insurance Requirements for Tenders and Licensing in Kenya |
| Business Growth | How Professional Indemnity Insurance Boosts Business Growth |
| Professional Protection | PI Insurance as Growth Tool for Kenyan Professionals |
📞Contact Us for Professional Indemnity Insurance
📞Call Us
🌐Get Quote Online
📧Consultation
✅Final Thoughts
Professional indemnity insurance is your silent partner — protecting your work, your reputation, and your finances.
Whether you’re an individual expert or running a firm, don’t wait for a claim to realize its importance. Get covered today and keep your career protected.
🚀Ready to Get Protected?
Don’t leave your professional future to chance. Get your professional indemnity insurance quote today and secure your peace of mind.
🛡️Get Protected Now
Personal Accident Insurance Cover for the Internship Period (Kenya)
Whether you’re a university student heading for industrial attachment or a parent preparing your child for fieldwork, personal accident insurance for interns is no longer a nice-to-have — it’s a necessity.
This guide breaks down everything you need to know about Personal Accident Insurance for Kenyan students during internships in 2025, and how to get affordable, reliable cover with Step by Step Insurance.
🔑Key Takeaways
- Personal accident insurance is essential for students during internships
- Coverage starts from as low as KES 350 for 3 months
- Protection includes death, disability, medical expenses, and funeral cover
- SHIF doesn’t cover accident-related disabilities or funeral expenses
- Group coverage available for institutions and universities
📋Table of Contents
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✅What Is Personal Accident Insurance for Interns?
Personal Accident Insurance provides financial compensation in the event of accidental injury, disability, or death. It’s designed to protect students during high-risk periods like industrial attachment, field training, and internships.
Unlike SHIF or general medical insurance, this cover responds specifically to accidents — whether they occur on the job, in transit, or even off-site during the internship period.
📍Why Interns in Kenya Need This Cover
Many students:
- Work in environments with practical or physical risk (labs, field sites, hospitals, etc.)
- Use public transport regularly
- Are not covered under employer or institutional medical plans
- Are exposed to risks of slips, falls, burns, cuts, or accidents
And when accidents happen, they can be both emotionally and financially devastating.
💼What Does Personal Accident Cover Include?
At Step by Step Insurance, we’ve made it simple and accessible for students with three affordable benefit tiers:
📦Benefit Options Breakdown
| Benefit | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Death | KES 100,000 | KES 200,000 | KES 300,000 |
| Permanent Total Disability (PTD) | KES 100,000 | KES 200,000 | KES 300,000 |
| Accidental Medical Expenses | KES 40,000 | KES 50,000 | KES 50,000 |
| Artificial Limbs (Prosthetics) | KES 20,000 | KES 30,000 | KES 40,000 |
| Last Expense (Funeral Cover) | KES 25,000 | KES 50,000 | KES 75,000 |
💰Premiums: Affordable Student-Friendly Pricing
Whether your internship lasts a few months or an entire year, we’ve got a plan for you:
| Internship Period | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| 3 Months | KES 350 | KES 550 | KES 650 |
| 6 Months | KES 500 | KES 800 | KES 1,200 |
| 12 Months | KES 800 | KES 1,300 | KES 1,750 |
📄How to Apply for Internship Accident Cover
Applying is quick and easy with Step by Step Insurance:
- Choose your coverage option based on your internship duration and needs
- Submit a quick application via our online form or office
- Pay your premium via mobile money or bank
- Receive your digital certificate of cover — valid for the entire internship period
✅ Institutions can also request group covers for multiple students.
🧑🏫For Universities, Colleges & Institutions
If you’re a school, TVET, or university sending students on industrial attachment:
- Offer group protection at discounted rates
- Boost your institution’s credibility
- Ensure compliance with host company requirements
- Show commitment to student welfare and safety
Step by Step Insurance works closely with academic institutions to create customized bulk plans for interns across Kenya.
🔗Related Articles & Resources
🙋Frequently Asked Questions (FAQs)
🏁Final Thoughts: Don’t Start Your Internship Without Cover
Your internship is the beginning of your professional journey. Don’t let one accident ruin your momentum — or your future.
With cover starting from as low as KES 350, Personal Accident Insurance is one of the smartest investments you can make in 2025.
📲Ready to Get Covered?
Protect your internship. Protect your future.
How Whole of Life Insurance Works in Kenya: A Simple Guide for First-Time Buyers
If you’re thinking about life insurance in Kenya, you’re not alone. More Kenyans are realizing the importance of securing their family’s future — not just for a few years, but for life. That’s where Whole of Life Insurance comes in.
Unlike term insurance, which expires after a set period, whole of life cover guarantees a payout to your loved ones — no matter when you pass away — as long as your premiums are paid.
“It’s a lifelong promise to your family,” says Faith Kimaru, Principal Officer at Step by Step Insurance. “Whole of life insurance isn’t just protection; it’s peace of mind and legacy planning rolled into one.”
Whether you’re just starting your financial journey or you’re planning long-term wealth protection, this guide will walk you through how it works, who it’s for, and why more Kenyans are turning to whole of life cover in 2025.
Key Takeaways
- Whole of life insurance provides lifelong coverage with a guaranteed payout
- Premiums are fixed and never increase with age
- Payouts can be used for funeral costs, debts, inheritance, and more
- Some policies accumulate cash value that can be borrowed against
- Ideal for long-term financial planning and legacy building
Table of Contents
💡 What Is Whole of Life Insurance?
In simple terms: Whole of life insurance is a policy that lasts your entire lifetime. It pays out a guaranteed death benefit — no matter when you die — as long as the policy remains active and premiums are paid.
Unlike term insurance, which only covers you for 10, 20, or 30 years, whole of life cover never expires. That means your family will always receive a payout, which they can use for:
- Funeral costs
- Clearing debts
- Replacing lost income
- Estate taxes
- Leaving an inheritance
How Whole of Life Insurance Works in Kenya
Here’s how it works step by step:
- You choose the cover amount you want (e.g., Ksh 1 million or Ksh 5 million).
- You pay fixed premiums monthly or annually.
- The policy remains active for your entire life — no expiry.
- When you pass away, your family receives the payout tax-free.
Some whole of life policies in Kenya also accumulate cash value, meaning you can:
- Borrow against the policy later in life
- Use it as a financial tool in retirement or emergencies
“Many of our clients use it not just for protection, but for legacy planning,” says Faith Kimaru. “It’s especially valuable for parents, professionals, and business owners.”
✅ Key Features to Expect
| Feature | Why It Matters |
|---|---|
| Lifetime cover | You’re insured for life, not just a fixed term |
| Fixed premiums | Predictable payments that don’t increase with age |
| Guaranteed payout | Your family gets paid no matter when you pass on |
| Optional cash value | Some policies grow savings you can borrow or cash in later |
| Custom add-ons | You can include disability or critical illness riders |
👪 Who Should Consider Whole of Life Cover?
Whole of life insurance isn’t just for the wealthy. It’s ideal for:
- Young professionals building long-term financial security
- Parents who want to leave a legacy for their children
- Business owners planning succession or key person cover
- Older adults who want funeral expenses fully covered
- Anyone who wants permanent peace of mind
⚖️ Pros and Cons
✔️ Pros
- Lifelong coverage
- Guaranteed payout
- Fixed premiums
- Can support retirement or wealth transfer goals
- Encourages disciplined, long-term planning
❌ Cons
- Higher cost than term insurance
- May not be needed if you only want short-term protection
- Requires long-term commitment
“It’s not for everyone — but if you’re serious about leaving something behind, it’s one of the most powerful financial tools available,” adds Faith Kimaru.
💬 Common Questions First-Time Buyers Ask
1. How much does it cost in Kenya?
Premiums vary based on age, health, and coverage amount — but Step by Step Insurance works with you to find affordable options.
2. Can I cancel if I change my mind?
Yes, you can cancel at any time, though you may lose some benefits depending on the policy terms.
3. What happens if I miss a payment?
Most policies have a grace period. If you miss several payments, the policy may lapse — which is why regular reviews matter.
4. Can I use it as an investment?
Some whole of life plans include a cash value component, which grows over time. You can borrow against it or use it in later life.
5. Is it tax-free?
Yes. Life insurance payouts are not taxed in Kenya, making them a great wealth transfer tool.
🛒 How to Choose the Right Policy in Kenya
When buying whole of life cover, look for:
- A licensed and trusted advisor (like Step by Step Insurance)
- Flexible options that suit your income and goals
- A transparent insurer with strong claims history
- Add-ons like critical illness or funeral benefits
“We don’t believe in one-size-fits-all cover,” says Faith Kimaru. “Our job is to listen, understand your needs, and recommend the best solution — not the most expensive one.”
| Related Articles |
|---|
| Whole Life Insurance: Leaving a Legacy Without Stressing Your Family |
🔚 Final Thoughts: A Lifetime of Protection Starts Now
Whole of life insurance is more than just a policy — it’s a promise to your loved ones. It ensures that no matter when life happens, your family is protected. For first-time buyers in Kenya, it offers a long-term financial solution that delivers security, stability, and significance.
📞 Ready to Take the First Step?
At Step by Step Insurance, we guide you through the process with honesty, clarity, and care.
Contact Us
Because life is unpredictable — but your protection shouldn’t be. Choose lifelong peace of mind. Choose Step by Step Insurance.
The Best Pet Insurance Options for Families in Kenya – 2025 Guide
🔑 Key Takeaways
- Pet insurance in Kenya covers accidents, illness, theft, and veterinary expenses
- Step by Step Insurance offers the most customizable and family-friendly options
- APA Insurance provides straightforward coverage for companion animals
- ICEA LION specializes in high-value dogs with comprehensive liability protection
- Most policies require pets to be under 10 years old and fully vaccinated
- Optional medical cover is available for treatment costs across most providers
📋 Table of Contents
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📱 Join WhatsApp Group🥇 Step by Step Insurance – Tailored Pet Cover That Puts Your Pet First
At Step by Step Insurance, we understand that no two pets — or pet owners — are alike. That’s why we work with trusted insurers to offer custom pet insurance packages built around your specific needs and budget.
Whether you’re looking to insure your family dog, your guard dog, or your cat, we help you secure protection against:
- Accidents (injuries, snake bites, electrocution, etc.)
- Illness or disease
- Infectious disease outbreaks
- Veterinary-advised euthanasia to prevent suffering
- Theft or straying
- Optional: Medical cover for treatment costs
“We help you compare, quote, and choose the right cover — no guesswork. We also provide vet network support and claim assistance, so you’re never alone,” says Faith Kimaru, Principal Officer at Step by Step Insurance.
📞 Call or WhatsApp us today on 0729 712 200
🥈 APA Insurance – Straightforward Pet Cover for Companion Animals
APA Insurance offers a clear and practical pet insurance solution for pets that are not kept for commercial gain, but rather for comfort, security, or companionship — such as dogs, cats, and rabbits.
Their basic plan covers:
- Accidental death (lightning, injury, snake bite, windstorm, flood)
- Illness or disease
- Epidemics or widespread disease outbreaks
- Vet-advised euthanasia to prevent suffering
- Theft or straying
📌 Optional medical cover is available for vet treatment due to accident or illness.
APA is a solid choice for families who want basic, dependable protection — especially those with home pets or guard dogs that hold emotional and protective value.
🥉 GA Insurance – Pet Cover for the Responsible, Detail-Oriented Owner
GA Insurance provides coverage for companion animals such as dogs and cats, focusing on personal comfort pets, not livestock or income animals.
They require:
- A completed application form
- Proof of premium payment
- Current vet medical & valuation report
- Vaccination certificates
- Pet photo and identification (ear tag, tattoo, microchip)
- Pet must be under 10 years old
While the onboarding process is detailed, GA’s service delivery and flexibility make it a good choice for pet owners who want complete transparency and accountability in their coverage.
🐕 ICEA LION – Feature-Rich Cover for Dogs with High Value
ICEA LION offers a specialized Dog Insurance policy, divided into four distinct sections:
🔹 Section 1: Death from Accident or Illness (Mandatory)
Covers death from injury or illness, including war/terrorism-related incidents. Pets must be vaccinated, well-maintained, and between 6 months and 10 years old.
🔹 Section 2: Medical Expenses (Optional)
Reimburses veterinary treatment costs for injury or illness. Once your limit is reached, you can reinstate the policy with an additional premium.
🔹 Section 3: Theft or Straying
Pays the agreed or market value of the dog if stolen or lost and not recovered.
🔹 Section 4: Third-Party/Public Liability
Covers you if your dog injures someone or damages property. Up to Ksh 2,000,000 liability limit.
📌 Important notes:
- No cover for roaming mongrels
- Dogs must be valued at Ksh 20,000 or more
- Premiums vary by dog value — from Ksh 7,574 to over Ksh 22,000
- Dogs worth over Ksh 200,000 require a custom quote
ICEA LION is ideal for pet owners with pedigree, high-value dogs who want premium protection and liability cover.
🎥 Learn More About Pet Insurance
💡 What’s Typically Covered by Pet Insurance in Kenya?
| Covered Risks | Applies To |
|---|---|
| Accidents (injury, lightning, snakebite) | All listed providers |
| Illness or disease | APA, Step by Step, ICEA LION |
| Epidemic outbreaks | APA, Step by Step, ICEA LION |
| Vet-advised euthanasia | All providers |
| Theft or straying | All providers (with terms) |
| Optional medical cover | Step by Step, APA, ICEA LION |
| Public liability (injury to others) | ICEA LION, Step by Step |
📖 Related Pet Insurance Guides
| Guide Topic | Description |
|---|---|
| How Pet Insurance is Calculated | A deep dive into premium calculations for pet owners in Kenya |
| Most Expensive Pets to Insure | Breakdown by breed and species of insurance costs |
| What Pet Insurance Actually Covers | Comprehensive guide to coverage and exclusions |
✅ Final Thoughts: Which Option is Best?
- Want a customizable, friendly, and fast-to-start plan? 👉 Step by Step Insurance
- Looking for a reliable, basic cover for common pets? 👉 APA Insurance
- Prefer a formalized, vet-recorded process with clear paperwork? 👉 GA Insurance
- Have a high-value dog and want all-round protection with liability? 👉 ICEA LION
Whatever your choice, remember: pet insurance is peace of mind. It protects your family — and your furry friend — from life’s unexpected turns.
📞 Ready to Get Started?
Let’s find the perfect pet insurance plan for your dog, cat, or rabbit.
🐾 Because your pet is family — insure them like it.
Step by Step Insurance. Trusted. Local. Personal.
Kenya’s Top 10 Health Insurance Underwriters as of 2025: Market Leaders & What It Means for You
The health insurance landscape in Kenya is rapidly evolving, and 2024 was no exception. According to the latest data from the Insurance Regulatory Authority (IRA), the health insurance sector generated a total Gross Written Premium (GWP) of Ksh 76.31 billion, with a few key players dominating the market.
Whether you’re an individual, family, or business looking to invest in reliable medical cover, understanding who the top underwriters are — and what they offer — is essential.
Here’s a breakdown of the Top 10 Health Underwriters in Kenya (2024) and expert insight from Step by Step Insurance, your trusted local agency in Hurlingham and Kitengela as well across the country.
🔍 Key Takeaways
- Total health insurance market worth Ksh 76.31 billion in 2024
- Top 10 insurers control 92.9% of the market
- Jubilee Health leads with 18.26% market share
- Old Mutual and AAR follow closely in second and third place
📋 Table of Contents
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Click here to join now📊 2024 Market Snapshot
Total Gross Written Premium (GWP): Ksh 76.31 billion
Top 10 Insurers Control: ~92.9% of the market
Other underwriters combined: Ksh 5.42 billion (7.1% market share)
🏆 Top 10 Health Insurance Underwriters in Kenya (2024)
| Rank | Insurer | GWP (Ksh Bn) | Market Share |
|---|---|---|---|
| 1 | Jubilee Health Insurance | 13.94 | 18.26% |
| 2 | Old Mutual General Insurance | 11.88 | 15.57% |
| 3 | AAR Insurance Kenya | 10.77 | 14.12% |
| 4 | CIC General Insurance | 8.00 | 10.49% |
| 5 | APA Insurance Limited | 7.84 | 10.28% |
| 6 | Britam General Insurance | 5.14 | 6.73% |
| 7 | GA Insurance Company | 4.77 | 6.25% |
| 8 | The Heritage Insurance Company | 3.38 | 4.42% |
| 9 | First Assurance Company | 2.85 | 3.73% |
| 10 | Madison Insurance Company | 2.33 | 3.05% |
🔍 Key Takeaways from the 2024 Rankings
1. Jubilee Health Insurance Leads the Market
With Ksh 13.94 billion in premiums and 18.26% market share, Jubilee Health Insurance maintained its stronghold as Kenya’s No.1 health underwriter in 2024. Their wide hospital network, competitive pricing, and dependable claims processing remain major draws for employers and individuals alike.
2. Old Mutual and AAR Close Behind
Old Mutual (15.57%) and AAR (14.12%) are not far behind, proving that the top three underwriters are competing closely in pricing, customer experience, and innovation.
3. Strong Mid-Tier Competition
APA, CIC, and Britam remain trusted choices for SMEs, SACCOs, and individuals who need custom packages without the premium costs of top-tier plans. For more on APA’s offerings, see our APA Afya Nafuu Health Insurance Guide.
🗣️ Expert Insight from Step by Step Insurance
“At Step by Step Insurance, we work with many of these top underwriters — including Jubilee, Britam, Old Mutual, and AAR — to match our clients with the best-fit health insurance solutions,” says Faith Kimaru, Principle Officer at Step by Step Insurance.
“What matters most isn’t just brand name, but how well the policy fits your needs, budget, and access to care — especially in areas like Kitengela, where we help clients compare plans that work both locally and nationally.”
🤝 Why This Matters for You (or Your Business)
Whether you’re:
- An individual looking for affordable family cover
- A parent needing reliable inpatient care for your children (compare child health insurance options)
- A business owner choosing a group health plan for your employees
This ranking gives you insight into which insurers are stable, experienced, and trusted by the Kenyan market.
But even more importantly — choosing a plan isn’t about who ranks #1. It’s about:
- Access to hospitals near you
- Premium vs. benefit balance
- Claims support and turnaround time
- Customer service quality
💡 How Step by Step Insurance Can Help
At Step by Step Insurance, we help you:
- Compare premiums and benefits across top providers
- Understand exclusions, waiting periods, and hidden clauses
- Choose the best plan for your family, team, or company
- Get local support for claims — fast, friendly, and efficient
| 📌 Related Articles | Description |
|---|---|
| SHA Accelerates SHIF Disbursements | How 9,000+ health facilities are benefiting from new funding |
| Child Health Insurance Comparison | APA vs Britam vs Jubilee vs Old Mutual |
| APA Afya Nafuu Guide | Complete breakdown of prices and benefits |
🎥 Video: Understanding Health Insurance in Kenya
📞 Ready to Choose the Right Health Insurance?
Let our Hurlingham or Kitengela-based team help you make the smart, safe choice.
📞 Call: +254 729 712 200 (Hurlingham Office)
📞 Call: +254 716 534 192 (Kitengela Office)
📲 WhatsApp: 0722 888 350
🏁 Final Thoughts
The Kenyan health insurance industry is growing — but choosing the right partner requires more than checking a ranking. Let trusted brokers like Step by Step Insurance help you navigate your options and secure a plan that gives you peace of mind.
We’re here to protect your health, step by step.
Insure Your DJI Drone Anywhere in Kenya | Fast Approval & KCAA Compliance
KCAA-compliant DJI drone insurance across Kenya. Get fast-approved liability & hull coverage in 24hrs. Avoid KES 500K fines & fly legally nationwide.
Key Takeaways
- KCAA requires mandatory drone insurance for all commercial operators
- Minimum KES 5 million third-party liability coverage is non-negotiable
- Same-day approval available for qualified DJI drone operators
- Non-compliance penalties include fines up to KES 500,000
- Specialized coverage protects against crashes, theft, and payload damage
Table of Contents
Join Kenya’s Drone Insurance Community
Connect with 500+ drone professionals in Kenya. Get real-time updates on KCAA regulations, insurance trends, and exclusive offers.
Join Our WhatsApp GroupWhy Every DJI Owner in Kenya is Racing to Get Insured
Picture this: Your DJI Mavic 3 captures Kilimanjaro’s golden sunrise—a shot that could land a National Geographic feature. Suddenly, a wind shear slams it into a lodge balcony. Shattered glass. Guest injuries. A KES 3 million lawsuit.
This is Kenya’s drone reality in 2025. Without insurance, you pay for everything.
The Kenyan Drone Pilot’s Nightmare
- 🔥 KCAA Fines: Up to KES 500,000 for uninsured flights
- 💸 Liability Bombshells: Medical bills + property damage = millions in losses
- 🚫 Business Death: License revocation = grounded operations
- 🛑 DJI Graveyard: No hull coverage? Say goodbye to your KES 800,000 drone
“65% of drone claims in Kenya involve 3rd-party damage” – KCAA Safety Report 2023
Your DJI’s Legal Lifeline: Nationwide Coverage, Lightning-Fast Approval
KCAA-Compliant in 3 Simple Steps
1. What You GET with DJI-Specific Insurance:
| Coverage Type | Protects You From | Why DJI Owners Need It |
|---|---|---|
| Third-Party Liability | Injury/property lawsuits | KCAA’s KES 5M minimum requirement |
| DJI Hull Insurance | Crashes, water damage, fires | Repair your Mavic/Phantom without cash pain |
| Theft Coverage | Stolen drones & equipment | Nairobi/Mombasa theft hotspots |
| Payload Protection | Ruined cameras & sensors | Save your Zenmuse X7 investment |
2. How Fast is “Fast Approval”?
| ✅ Online Quote: 2 minutes (no forms) |
| ✅ Policy Issued: As soon as same-day |
| ✅ KCAA Compliance Certificate: Digital copy in 24hrs |
No more waiting weeks like traditional insurers.
For detailed coverage comparisons, see our guide: Drone Insurance vs. Equipment Insurance.
Why DJI Pilots Trust Us Across Kenya
From Kisumu farmlands to Masai Mara safaris, Kenyan drone professionals choose our insurance solutions.
Case Study: Nairobi Film Studio
After their insured DJI Inspire 2 crashed into a hotel pool during a shoot:
- KES 1.8M liability claim covered instantly
- Drone replaced in 72hrs
- Zero production downtime
✈️ Nationwide Coverage
Fly legally in all 47 counties with KCAA-compliant protection
⚡ Fast-Tracked KCAA Docs
We handle all regulatory paperwork and submissions
💡 DJI-Specific Expertise
Specialized knowledge of sensor/hull vulnerabilities
💰 Premium Discounts
Save 15% with multi-drone fleets and annual payments
Stay updated with the latest regulations: Kenya Drone Laws (Updated 2025)
3-Step Shield for Your DJI Drone
Guide to Coverage in Under 1 Hour
1. WhatsApp Quote
Send drone certificate + value of the drone to 0722 888 350
Receive instant coverage options
2. Shop your Ideal Cover
We guide you through finding the right insurance cover by providing a quote.
3. Pay & Fly Insured
M-Pesa approval → Compliance certificate
Immediate coverage activation
Learn more about professional protection: Professional Indemnity in Kenya
Don’t Risk Your DJI in Kenya’s Skies
Every uninsured flight risks:
- ⚠️ KES 500,000 KCAA fines
- ⚠️ Lifetime license bans
- ⚠️ Financial ruin from lawsuits
“Uninsured drone operators face 97% business failure after major incidents” – Kenyan Drone Federation
Ready for Stress-Free Flying?
Get Instant Coverage
Same-Day KCAA Compliance
DJI Hull + Liability Coverage
Claims Paid in 72hrs
Expert Consultation
Personalized risk assessment
Commercial operation planning
Fleet insurance solutions
Trusted Group Life Insurance Plans in Kitengela for Small and Medium Businesses
As Kitengela rapidly evolves into a hub for entrepreneurs and SMEs, small and medium-sized businesses are under growing pressure to attract, retain, and protect their workforce. One of the most effective and affordable ways to do that is through group life insurance.
At Step by Step Insurance, we understand the needs of businesses in Kitengela and across Kajiado County. That’s why we offer trusted, flexible, and scalable group life insurance plans tailored to your team size and budget.
Key Takeaways
- Group life insurance is an affordable solution for employee protection
- Enhances employee loyalty and job satisfaction
- Position your business as a caring, responsible employer
- Tax benefits may be available for employers
- No medical exams required for basic coverage
Table of Contents
Join Our Insurance Community!
Connect with other Kenyan business owners and get the latest insurance tips, trends, and exclusive offers.
Join WhatsApp GroupWhat Is Group Life Insurance and Why It Matters
Group life insurance is a policy taken out by a business or organization to cover its employees. In the unfortunate event that a team member passes away, the policy pays a lump sum benefit to their family or next of kin.
| Benefits for Employers | Benefits for Employees |
|---|---|
| Enhances employee loyalty and job satisfaction | Peace of mind for families |
| Demonstrates care and responsibility | Access to affordable life cover |
| May qualify for tax benefits | No medical exams required for basic coverage |
Why Kitengela SMEs Should Consider Group Life Insurance
Kitengela is booming—with new businesses, factories, SACCOs, and tech start-ups emerging every month. However, competition for skilled labor is fierce, and offering employee benefits is now a major differentiator.
Providing group life insurance:
- Positions your business as a caring, responsible employer
- Helps attract and retain top talent
- Provides support to families during difficult times
- Builds trust with your team and within the local community
What’s Typically Included in Group Life Insurance Plans
At Step by Step Insurance, we help you build custom packages based on your team’s needs. Standard plans may include:
| Tax-free lump sum payout on employee death (natural or accidental) |
| Funeral benefit to assist with burial costs |
| Accidental death or disability cover (optional add-on) |
| Flexible limits based on flat amounts or multiples of salary |
Ideal for: Start-ups, SMEs, NGOs, SACCOs, schools, and churches in Kitengela.
Customizing Coverage for Small and Medium Businesses
We know not every business is the same. That’s why our group life plans are:
| Scalable – whether you have 3 or 300 employees |
| Budget-conscious – with options for both employer-paid and employee-contributed plans |
| Flexible – choose only the benefits that matter to you |
| Easy to manage – minimal paperwork and digital onboarding available |
How to Choose a Trusted Insurance Provider in Kitengela
Not all insurance providers are created equal. When selecting a group life insurance partner, consider the following:
- Are they licensed and regulated by IRA Kenya?
- Do they have experience with SMEs and group plans?
- Do they offer local support in Kitengela?
- How quick is their claims process?
With Step by Step Insurance, you get the advantage of working with a locally-based, trusted broker who partners with top-tier insurers like Britam, Jubilee, ICEA Lion, and more.
Why Choose Step by Step Insurance in Kitengela
As a leading insurance broker in Kitengela, we specialize in serving small and medium businesses. Here’s what sets us apart:
| Personalized advice and needs analysis |
| On-site consultations at your business premises |
| Claims support when you need it most |
| Access to affordable group life insurance plans from leading insurers |
| Fast, paperless quotes and enrollment |
“We believe in protecting the people who power your business.”
How to Get Started
Getting covered is fast and easy:
| 1. Request a consultation with one of our local insurance advisors |
| 2. We assess your workforce and budget |
| 3. You select your coverage options |
| 4. We prepare a custom quote and enroll your team |
| 5. Coverage begins once payment is made |
Let’s Talk – We’re Local and Ready to Help
Contact us today for personalized group life insurance solutions for your Kitengela business.
Final Thoughts
Offering group life insurance in Kitengela is more than a business decision—it’s a way to support your employees, improve morale, and stand out in a competitive market. Whether you’re a growing SME or an established organization, Step by Step Insurance is here to guide you every step of the way.
Secure your team’s future. Start building a safer workplace today.
Why Top Golf Clubs in Kenya Demand Golf Insurance — A Comprehensive Guide
Golf holds a prestigious position in Kenya’s sporting and social scene, embraced by the elite and middle-class alike. Beyond being a leisurely pastime, golf is a serious sport involving significant investments in time, equipment, and membership fees at exclusive clubs.
Given the inherent risks—ranging from equipment damage and theft to accidents on course leading golf clubs across Kenya are increasingly mandating golf insurance for their members.
This comprehensive article explores the reasons behind these requirements, the typical coverages offered, how golf insurance benefits all stakeholders, and how you can secure the right cover through trusted brokers like Step By Step Insurance.
Key Takeaways
- Top Kenyan golf clubs now require members to have specialized golf insurance coverage
- Comprehensive policies cover equipment protection, personal accidents, third-party liability, and hole-in-one expenses
- Annual premiums range from KES 3,000 to 8,000 – affordable protection for valuable investments
- Insurance protects both golfers and clubs from financial risks and legal liabilities
- Working with a broker ensures you get the right coverage that meets club requirements
Table of Contents
- Understanding Golf Insurance: What Is It and Why Does It Matter?
- The Growing Importance of Golf Insurance in Kenya’s Elite Clubs
- Key Features and Coverage Details of Golf Insurance in Kenya
- Common Exclusions to Understand
- How to Obtain Golf Insurance in Kenya
- Golf Club Membership and Insurance Requirements
- The Cost of Golf Insurance in Kenya
- Real-Life Scenarios Where Golf Insurance Made a Difference
- Summary: Why Every Golfer in Kenya Needs Insurance
- How to Get Started with Golf Insurance Today
Join Our Golf Insurance Community
Connect with fellow golfers and stay updated on insurance trends and exclusive offers
Join WhatsApp GroupUnderstanding Golf Insurance: What Is It and Why Does It Matter?
At its core, golf insurance is a specialized insurance policy designed to cover the unique risks faced by golfers. Unlike general personal or property insurance, golf insurance addresses situations that can arise exclusively in the context of playing or participating in golf-related activities, including:
- Accidental damage or theft of golf equipment (clubs, bags, caddie trolleys, and even golf buggies)
- Personal accident or injury sustained on the golf course or practice grounds
- Third-party liability related to bodily injury or property damage caused during play
- Special expenses such as celebrations of a hole-in-one, which often involve hosting costs
Given the significant costs associated with golf—from the high value of equipment to possible medical bills—this cover provides peace of mind and financial protection for both players and clubs.
The Growing Importance of Golf Insurance in Kenya’s Elite Clubs
Legal and Financial Protection for Clubs
Clubs in Kenya like Muthaiga Golf Club, Karen Country Golf Club, Royal Nairobi Golf Club, Vipingo Ridge, and Windsor Golf and Country Club host numerous players and events every year. Each occasion presents potential risks of accidents or damage on their premises. Clubs can be held liable for injuries or damages, leading to costly lawsuits or claims. To mitigate these exposures:
- Clubs mandate members and hosted guests to have golfer’s insurance as part of membership or tournament eligibility
- This legal safeguard ensures that any liabilities can be transferred to insurers, preserving clubs’ operational stability and reputation
Protecting Your Expensive Golf Equipment
Golf gear is an expensive investment. High-end clubs, bags, and accessories can total hundreds of thousands of Kenyan shillings. Risks include:
- Theft or loss while at golf clubs or in transit
- Accidental damage due to weather, rough terrain, or mishandling
- Equipment damage during competitions or practice
Most golf insurance policies provide cover for these risks, reimbursing repair costs or replacement so that players are not financially burdened by unforeseen incidents.
Personal Accident Cover for Players and Caddies
Golf courses can be deceptively hazardous—injuries from slips, falls, ball strikes, or physical strain are common. Moreover, caddies and ball boys working around the course are at risk during play. Insurance includes:
- Coverage for medical expenses arising from accidents on club premises
- Compensation for permanent or temporary disability and, in rare cases, accidental death
- Medical expense payments specifically covering caddies while at work
By requiring personal accident cover, clubs ensure their members receive prompt financial support, reducing worries on physical safety and medical costs.
Third-Party Liability Coverage
Golfers can accidentally cause harm—such as hitting a stray ball injuring other players, damaging property, or causing bodily injury to spectators. Third-party liability covers:
- Compensation for injury to others or property damage caused during play or practice
- Legal defense costs if any claim leads to litigation
This protection reduces the risk of expensive disputes and claims falling back on both individual golfers and clubs.
Cultural and Social Elements: Hole-in-One Celebrations
In golf tradition, scoring a hole-in-one often triggers celebrations and drinks for fellow players at the club. While joyful, these events incur costs which the player typically hosts. Golf insurance offers cover for these hole-in-one expenses, reimbursing celebration costs up to a pre-agreed limit—often KES 20,000 to 50,000—relieving players of unexpected celebration bills.
Key Features and Coverage Details of Golf Insurance in Kenya
The range of coverage and limits vary by insurer and policy, but typical inclusions are:
| Coverage Aspect | Description | Typical Coverage Limits (KES) |
|---|---|---|
| Golf Equipment | Loss or damage of clubs, bags, caddies, buggies | 80,000 – 200,000+ |
| Personal Effects | Theft/loss of non-golf personal effects (excludes jewellery) | Up to 50,000 |
| Personal Accident | Injury, permanent or temporary disability, and death | 100,000 or more |
| Third-Party Liability | Injury or property damage caused to others | 500,000 – 1,000,000 |
| Hole-in-One Expenses | Celebration costs after scoring a hole-in-one | 20,000 – 50,000 |
| Medical Expenses (Players & Caddies) | Hospital and treatment bills arising from golf-related accidents | 20,000 – 50,000 |
Examples of leading golf insurance providers in Kenya include:
- Old Mutual: Offers comprehensive cover including theft, damage, liability, and personal accident protection with flexible premium payment options such as mobile money and bank transfers.
- APA Insurance: Covers equipment, personal effects, legal liability, personal accidents, and hole-in-one expenses with claim forms and proposal documents easily accessible online.
- First Assurance, Madison Insurance, Geminia Insurance: Other respected underwriters providing competitive golfer’s insurance policies that meet club requirements.
Common Exclusions to Understand
Understanding policy exclusions is crucial to avoid surprises during claims. Typical exclusions include:
- Wear and tear or gradual deterioration of equipment
- Loss or damage due to neglect or improper care
- Theft from unattended vehicles away from club premises
- Valuable personal effects like watches, jewellery, cash, or documents are often not covered
- Injuries to family members or persons hired by the golfer (not covered under personal accident)
Always carefully review policy terms when purchasing coverage.
Related Golf Insurance Resources
How to Obtain Golf Insurance in Kenya: Step By Step with Step By Step Insurance
Navigating multiple insurers, policy options, and requirements can be daunting, especially for new golfers or those unfamiliar with insurance jargon. Step By Step Insurance acts as an expert intermediary, simplifying the process by providing:
- Tailored Needs Assessment
Consulting golfers about their playing level, clubs’ insurance requirements, and equipment values
Advising on the appropriate level of coverage depending on membership and personal risk factors - Comparative Quotes from Top Providers
Step By Step Insurance gathers and compares offers from trusted insurers like Old Mutual, APA Insurance, Madison, and others
Breakdown of benefits, cover limits, premiums, and claim procedures provided transparently - Application and Documentation Support
Assistance with completing proposal forms, submission of IDs, PIN certificates, and equipment valuations
Ensuring documents meet individual club requirements and underwriter guidelines - Convenient Payment Methods
Instructing clients on mobile money payments (MPESA), bank transfers, or credit card payments tied to preferred insurers
Providing policy certificates and proof of cover promptly for club submissions - Claims and After-Sales Service
Helping navigate claim submissions with insurers should a loss or injury occur
Offering ongoing policy reviews, renewals, and upgrades as golfing or club needs change
With this hands-on guidance, golfers avoid delays, errors, and policy mismatches that could disrupt club membership or event participation.
Golf Club Membership and Insurance: What You Need to Know
Prestigious clubs like Muthaiga Golf Club, Karen Country Club, Royal Nairobi Golf Club, Vipingo Ridge, Windsor Club, among others, have codified insurance requirements as part of their membership application or renewal processes. Typically:
- Submission of a valid golfer’s insurance certificate is mandatory before approval or renewal
- Members may be required to carry minimum limits for equipment cover, personal accident, and third-party liability
- Insurance status may be checked before participation in club tournaments or competitions
- Some clubs offer partnerships with insurers or brokers to facilitate discounted group rates for members
Failing to meet these requirements could result in suspension of playing privileges or denial of membership renewal.
The Cost of Golf Insurance in Kenya: Is It Affordable?
Golf insurance premiums in Kenya are designed to be affordable for the typical golfer while providing ample protection. Roughly, annual premiums range from KES 3,000 to KES 8,000, depending on coverage levels, equipment value, and insurer rates.
Given the high replacement cost of equipment and potential medical expenses, this is a small price for peace of mind. Additionally, by accessing insurance through brokers like Step By Step Insurance, you can often find tailored packages that maximize value and include discounted premiums.
Real-Life Scenarios Where Golf Insurance Made a Difference
- A player’s golf bag stolen from the clubhouse was fully reimbursed by insurance, preventing a massive financial loss.
- Following an accidental injury caused by wayward ball, the affected player’s medical bills and compensation claims were covered by the golfer’s liability insurance, sparing the club and golfer legal troubles.
- A caddie injured while assisting a golfer on uneven terrain received medical expenses coverage, allowing faster recovery without personal financial strain.
- Celebration expenses following a rare hole-in-one were reimbursed to the player, preserving tradition without out-of-pocket burdens.
Summary: Why Every Golfer in Kenya Needs Insurance
| Key Reasons | Explanation |
|---|---|
| Compliance with Club Rules | Many top clubs require insurance before granting or renewing membership |
| Financial Protection | Covers expensive equipment loss/damage, medical bills, legal claims |
| Peace of Mind on Course | Enables players to focus on their game, knowing risks are managed |
| Support for Unexpected Events | Hole-in-one celebrations, caddie injuries, third-party claims |
| Enhances Club Culture & Professionalism | Promotes responsible, safe golfing environments |
How to Get Started with Golf Insurance Today
- Evaluate your golf equipment value and personal protection needs.
- Contact Step By Step Insurance for a free consultation and quote comparison.
- Submit required documents (ID, PIN, equipment value, proposal form).
- Choose your preferred insurer and finalize payment via mobile money, bank transfer, or credit card.
- Receive your insurance certificate and submit it to your golf club.
- Enjoy golf with confidence, knowing you are fully covered.
Final Thoughts
Golf insurance has transitioned from a luxury to a necessity for golfers and clubs in Kenya. It safeguards your investment, protects your health, shields you and others from liability risks, and ensures compliance with club regulations. With trusted partners like Step By Step Insurance, securing comprehensive, affordable coverage is straightforward—allowing you to focus wholly on the joys and challenges of golf.
