insurance for doctors 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.

🔍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:

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

🔎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:

💡 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

✅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.