WIBA Insurance
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Workplace injuries and occupational diseases can affect more than an employee's health. They can disrupt operations, create unexpected compensation liabilities, place financial pressure on a business and leave an employer facing difficult questions about workplace safety and legal compliance.
WIBA insurance in Kenya helps employers manage eligible compensation liabilities arising from work-related injuries, disablement, occupational diseases and death, in accordance with the Work Injury Benefits Act, 2007 (WIBA) and the applicable insurance policy.
Whether you operate a construction company, manufacturing plant, school, hospital, hotel, warehouse, transport business, farm or small enterprise, understanding your WIBA obligations is an important part of responsible business management.
GetCovered Kenya helps businesses compare available WIBA insurance options, understand differences in cover and request quotations from participating insurers. Rather than choosing a policy based on price alone, you can assess the benefits, exclusions, underwriting requirements and support available before making an informed decision.
Looking for WIBA insurance for your business? Request a quotation to explore available options for your employees and business activities.
What Is WIBA Insurance in Kenya?
WIBA stands for the Work Injury Benefits Act, 2007, a Kenyan law that establishes a framework for compensating employees for work-related injuries and diseases contracted in the course of employment.
WIBA insurance is a policy designed to protect an employer against eligible compensation liabilities arising under the Act. It provides a financial mechanism for meeting covered liabilities rather than leaving the employer to fund the entire amount from business cash flow, subject to the insurer's contractual obligations and policy terms.
The distinction between the law and the insurance policy matters. WIBA establishes the relevant statutory framework, including employer obligations, reporting procedures and compensation provisions. The insurance contract sets out the insured business, declared employees or payroll, applicable terms, conditions, exclusions and any additional benefits purchased.
For employers, WIBA is therefore both a risk-management consideration and a legal compliance requirement.
What does WIBA mean for an employer?
What does WIBA mean for an employer?
WIBA affects how a business prepares for workplace incidents, maintains employee and payroll records, reports accidents, supports injured workers and manages compensation liabilities.
For example, an employee at a construction site might suffer a serious injury while carrying out assigned duties. The incident could require medical treatment, absence from work, assessment of permanent impairment or a compensation claim.
Without appropriate insurance arrangements, an employer may face substantial financial exposure. With suitable WIBA insurance, eligible liabilities may be handled under the policy, while the employer continues to meet its reporting, safety and other legal responsibilities.
Is WIBA insurance compulsory in Kenya?
Section 7 of the Work Injury Benefits Act, 2007 addresses the requirement for employers to obtain and maintain insurance against liabilities under the Act, subject to the statutory provisions and any applicable lawful exemption.
Employers should not treat WIBA as an optional benefit simply because their business has never experienced a serious workplace accident. The relevant obligation is connected to the employment relationship and statutory requirements, not merely to the employer's past claims history.
Failure to comply with the insurance requirement can expose an employer to legal consequences. Employers should review their arrangements whenever they start hiring, expand their operations, take on new contracts or change the nature of their business activities.
For the legal wording, refer to the Work Injury Benefits Act, 2007.
Who Needs WIBA Insurance in Kenya?
WIBA insurance is relevant to employers across different sectors because workplace risks exist in both high-hazard and apparently low-risk environments.
The type and level of risk will vary according to the work performed, the workplace, the equipment used, the working conditions and the employees' responsibilities. Employers should disclose their actual activities to the insurer when requesting a quotation.
1. Construction and engineering companies
Construction workers may encounter risks involving work at height, scaffolding, lifting equipment, electrical installations, excavation, heavy machinery, falling objects and moving vehicles.
Construction contractors, civil engineering companies, building firms, electrical contractors and specialist trades should assess their employee exposures and ensure that the correct business activities and workforce are declared when arranging WIBA insurance.
Where a contract requires evidence of WIBA cover, confirm the certificate, insured entity, relevant workforce and validity dates before workers begin work.
2. Manufacturing and industrial businesses
Manufacturing environments can involve production machinery, conveyor systems, heat, chemicals, repetitive tasks, manual handling, noise and other occupational hazards.
Factories, workshops, food processors, packaging companies, metal fabricators and industrial operators should consider the risks associated with each employee category rather than declaring the workforce as generic office staff.
Accurate occupational classifications and payroll information help insurers assess the risk appropriately.
3. Schools, colleges and universities
Educational institutions employ teachers, administrators, laboratory technicians, cleaners, cooks, groundskeepers, drivers, maintenance staff and other workers.
The risks differ between an office, a science laboratory, a kitchen, a workshop, a boarding facility and a maintenance department. Schools and universities should declare their employment activities accurately and review whether their insurance arrangements remain suitable as facilities and staffing change.
4. Hospitals, clinics and healthcare providers
Healthcare workers can encounter sharps injuries, manual-handling injuries, exposure to biological hazards, slips, equipment-related incidents and occupational exposure associated with their duties.
Hospitals, clinics, laboratories, dental practices and other healthcare employers should maintain suitable workplace safety arrangements alongside their insurance protection.
5. Security companies and facilities management businesses
Security guards, cleaners, groundskeepers, maintenance workers and facilities personnel may work night shifts, at remote locations or in environments with different physical hazards.
Businesses should explain their deployment arrangements, duties and working environments to the insurer. If round-the-clock personal accident protection is required, employers should separately confirm whether an appropriate optional extension is available.
6. Transport, logistics and warehousing businesses
Transport operators, delivery companies, warehouse operators, freight handlers and distribution businesses may expose workers to vehicle movements, loading and unloading, heavy lifting, falls and machinery-related hazards.
Employers should declare the relevant workforce and job activities accurately and confirm the treatment of any drivers or other employees whose duties involve travel.
7. Agriculture and agribusiness
Farms, plantations, horticultural businesses, food producers and agricultural processing facilities may involve machinery, livestock, chemicals, manual labour and environmental exposure.
The insurer should receive a clear description of the activities performed, the employee categories and any seasonal or changing workforce arrangements.
8. Hotels, restaurants and retail businesses
Hospitality and retail workers can experience burns, cuts, slips, lifting injuries, kitchen accidents and other workplace incidents.
Restaurants, hotels, supermarkets, shops, catering companies and entertainment businesses should assess their employee risks and maintain accurate records of their workforce.
9. Offices, technology companies and professional firms
An office environment may appear relatively low-risk, but employees can still experience falls, electrical injuries, ergonomic problems or other injuries arising from work.
ICT businesses, consultancies, professional firms, NGOs and administrative offices should not assume that a low-hazard classification removes the need to address their statutory obligations.
10. SMEs, startups and growing businesses
Small businesses are not immune to workplace injuries. A single serious incident can place pressure on working capital, especially when the business has limited financial reserves.
Growing businesses should review their WIBA arrangements whenever they hire new employees, add new activities, open another location or change their payroll.
The key principle: Describe the work your employees actually perform. Do not select a business category solely because it appears to attract a lower premium.
What Does WIBA Insurance Cover?
WIBA insurance is intended to respond to eligible compensation liabilities arising from qualifying workplace injuries and occupational diseases, subject to the Act and the policy.
The precise benefits, limits, conditions and payment arrangements should be confirmed in the insurer's quotation, policy wording and schedule.
1. Death resulting from a qualifying workplace accident or occupational disease
A fatal workplace incident can have serious consequences for the employee's family and the employer.
The statutory framework provides for compensation to eligible dependants following a qualifying work-related death. The amount is determined under the applicable legal provisions, including the rules concerning earnings and dependant compensation.
Employers should maintain accurate employment and earnings records and keep relevant employee and dependant information up to date where required.
The insurer's role is governed by the applicable insurance contract and the legal compensation process. Do not assume that every fatality automatically qualifies without an assessment of the relevant circumstances.
2. Permanent disablement
A workplace injury can leave an employee with lasting impairment, affecting the ability to perform some or all work activities.
Permanent disablement compensation is assessed under the applicable statutory framework. The degree of disablement, the nature of the injury and the relevant earnings provisions can affect the compensation calculation.
A medical assessment and the applicable statutory schedule are important in determining the degree of disablement.
Employers should report the incident, preserve relevant records and cooperate with the appropriate assessment process.
3. Temporary disablement
Some work-related injuries prevent an employee from performing their normal duties for a period while they recover.
The WIBA framework provides for compensation in qualifying cases of temporary total or partial disablement. The applicable calculation and duration are governed by the Act and relevant assessment.
Employers should maintain appropriate medical documentation, records of the employee's absence and accurate earnings information.
Do not assume that every absence following an accident qualifies automatically or that every insurer's optional benefits operate identically.
4. Medical aid and eligible treatment expenses
A qualifying workplace injury may require treatment, hospital care, medication, surgery, rehabilitation or other medical assistance.
The Act contains provisions relating to first aid, conveyance of injured employees and medical expenses. The relevant statutory requirements and the terms of the insurance contract should be considered together.
The specific expenses, limits, documentation requirements and payment arrangements available under an insurance policy should be confirmed before purchase.
Where an employee needs urgent medical attention, obtaining appropriate treatment should take priority over routine administrative processes.
5. Occupational diseases
Not all work-related harm results from a sudden accident. Some conditions develop over time because of occupational exposure or working conditions.
The Act addresses occupational diseases through its provisions on scheduled and unscheduled diseases, medical assessment and compensation.
Depending on the occupation, relevant exposures may include certain chemicals, dusts, biological hazards, noise or other workplace conditions. Whether a particular condition qualifies depends on the applicable legal framework, evidence of occupational exposure and the circumstances of the claim.
Employers should maintain suitable occupational safety practices, provide required protective equipment and training, and report suspected occupational diseases through the appropriate channels.
6. Funeral or last-expense benefits
Some insurers provide a separate funeral or last-expense benefit as part of their WIBA offering.
However, employers should distinguish a specific insurer's funeral benefit and limit from the statutory compensation framework. Do not assume that a particular funeral-expense amount applies to every WIBA policy.
Check the quotation and policy schedule to establish whether the benefit is included, its limit, who is entitled to receive it and what documentation is required.
7. Optional extensions and additional protection
Depending on the insurer and product, additional benefits may be available alongside standard WIBA cover. Examples can include:
- Group Personal Accident benefits extending protection beyond ordinary working duties.
- WIBA Plus or similar arrangements offering additional personal accident protection, subject to the wording.
- Additional medical expense limits where offered.
- Employers' Liability insurance arranged separately or as part of a suitable combined arrangement.
- Other extensions specifically agreed with the insurer.
These are not automatically included in every WIBA policy. Ask the insurer or intermediary to explain each extension, including its limits, exclusions, territorial scope, working-hours provisions and premium.
How Is WIBA Compensation Calculated in Kenya?
WIBA compensation is not one fixed payment for every employee. The amount depends on the type of injury or disease, the employee's earnings, the applicable compensation formula, the degree of disablement where relevant and the statutory assessment process.
The Work Injury Benefits Act, 2007 contains distinct provisions for temporary disablement, permanent disablement, death, occupational diseases and earnings calculations.
Death compensation
Death compensation is determined under the Act's applicable provisions, including section 34 and the Third Schedule concerning dependant compensation.
Employee earnings and the legal rules governing eligible dependants are relevant. The process should not be reduced to a universal payment figure without checking the applicable law and the facts of the case.
Permanent disablement compensation
Section 30 and the First Schedule address compensation for permanent disablement and the degree of disablement.
The assessment considers the nature and extent of the permanent impairment in accordance with the applicable statutory framework. The relevant earnings provisions also matter.
Temporary disablement compensation
Section 28 addresses compensation for temporary total or partial disablement, while section 29 addresses the expiry of that compensation.
The assessment of the injury, the period of disablement and the statutory rules determine the applicable entitlement.
Why accurate payroll information matters
Employers should disclose employee earnings accurately and keep payroll records up to date. Understated or incomplete declarations can complicate underwriting and the assessment of a claim.
Where employee remuneration changes materially, confirm whether the insurer requires an adjustment or notification during the policy period.
Important: Do not use a generic online calculator or an illustrative earnings multiplier as a final statutory award. Compensation should be calculated using the current applicable law, the employee's actual circumstances and the appropriate assessment.
How Much Does WIBA Insurance Cost in Kenya?
There is no single premium that is appropriate for every Kenyan employer. The cost of WIBA insurance depends on the business's declared risk and the insurer's underwriting terms.
Two businesses with the same number of employees may receive different quotations because their activities, payroll, job classifications and working environments differ.
Factors that can affect your WIBA premium
1. Nature of the business
The risk profile of a construction company may differ substantially from that of an office-based consultancy. Insurers consider the activities being undertaken and the occupational hazards involved.
2. Employee numbers and payroll
Employee numbers and remuneration information help the insurer understand the workforce and calculate the applicable premium under its underwriting approach.
3. Occupational classifications
Office administrators, machine operators, construction workers, drivers and other employee groups may be classified differently according to their duties and risk profiles.
4. Work locations and operating conditions
Worksites, industrial premises, remote deployments and other operating environments may affect the assessment.
5. Optional benefits
Additional protection, where available and selected, may change the overall premium.
6. Insurer underwriting and policy terms
Insurers may differ in their pricing, terms, documentation requirements and available extensions. Compare the actual quotations rather than assuming that the lowest premium offers the most appropriate protection.
How to obtain an accurate WIBA quotation
Prepare the following information where applicable:
- Registered business or employer name and contact details.
- Nature of business and principal activities.
- Number of employees.
- Employee categories, job descriptions and relevant occupational classifications.
- Declared payroll or earnings information requested by the insurer.
- Work locations and any relevant deployment arrangements.
- Existing cover and renewal information, if applicable.
- Requested policy period and any additional protection being considered.
The insurer may request additional documents or clarification before confirming terms.
WIBA Insurance vs WIBA Plus: What Is the Difference?
Standard WIBA insurance and WIBA Plus should not be treated as interchangeable terms.
Standard WIBA insurance is designed around an employer's eligible compensation liabilities under the Work Injury Benefits Act, 2007, subject to the relevant insurance contract.
WIBA Plus is a product name used by some insurers for an arrangement that combines WIBA with additional personal accident protection. The scope varies by insurer and policy wording.
Consideration Standard WIBA WIBA Plus or similar extension
Primary purpose | Eligible statutory compensation liabilities | WIBA protection plus agreed additional benefits
Workplace-related injuries | Assessed under the Act and policy | WIBA benefits remain subject to their applicable terms
Accidents outside normal working hours | Do not assume they are covered as personal accidents | May be included under an agreed extension
Additional personal accident benefits | Not automatically included | Depend on the selected product and schedule
Premium | Based on underwriting and declared risk | May differ according to additional protection
Exclusions and conditions | Apply under the relevant policy | Additional terms and exclusions may apply
Primary purpose | Eligible statutory compensation liabilities | WIBA protection plus agreed additional benefits
Workplace-related injuries | Assessed under the Act and policy | WIBA benefits remain subject to their applicable terms
Accidents outside normal working hours | Do not assume they are covered as personal accidents | May be included under an agreed extension
Additional personal accident benefits | Not automatically included | Depend on the selected product and schedule
Premium | Based on underwriting and declared risk | May differ according to additional protection
Exclusions and conditions | Apply under the relevant policy | Additional terms and exclusions may apply
An optional 24-hour extension does not mean every accident is automatically covered at every time and location. The exact definition of insured persons, covered events, exclusions and benefits must be checked in the actual wording.
Employers should compare the policies according to their employees' duties, travel, shift patterns and other risk exposures.
WIBA Insurance vs Employers' Liability Insurance
WIBA insurance and Employers' Liability insurance are related but distinct products.
WIBA is concerned with compensation under the Work Injury Benefits Act, 2007. Employers' Liability insurance is a separate liability product whose scope depends on its wording and applicable law.
A business should not assume that purchasing one automatically provides all the protection offered by the other.
Employers' Liability insurance may be considered where a business needs additional liability protection. The insurer or intermediary should explain the scope, exclusions, limits and interaction between the proposed policies.
The right arrangement depends on the business's contractual obligations, activities and risk profile.
How to Buy WIBA Insurance Online in Kenya
Buying WIBA insurance starts with identifying the employer's actual risk and providing accurate information for underwriting.
Step 1: Describe your business
Explain the activities carried out by the business, where employees work and the types of jobs performed.
Step 2: Declare your workforce and payroll
Provide employee numbers, occupational categories and earnings information as requested. Do not omit employee groups or misstate remuneration to obtain a lower quotation.
Step 3: Compare available quotations
Review the insurers' quoted premiums, terms, exclusions, benefits, excesses where applicable, documentation requirements and additional extensions.
Step 4: Clarify any differences
Ask questions where one quote has a different limit, condition or optional benefit from another. A meaningful comparison should be based on equivalent cover wherever possible.
Step 5: Complete underwriting requirements
The insurer may require a proposal form, business registration details, payroll information or other supporting documents before accepting the risk.
Step 6: Confirm payment and issuance
Use an authorised payment channel and verify the policy documentation issued by the insurer. Check the insured name, period of insurance, declared workforce and any relevant conditions.
Step 7: Keep your policy and records current
Retain the policy schedule, wording and relevant employment records. Notify the insurer of material changes where required and arrange renewal before the policy expires.
GetCovered Kenya can help you explore available quotations and understand differences between participating insurers. Final acceptance, premium, policy terms and issuance remain subject to the relevant insurer's requirements.
What Should an Employer Do After a Workplace Accident?
A clear response procedure can help protect an injured employee, preserve relevant information and support the required reporting and claims process.
1. Arrange immediate medical assistance
Prioritise the employee's health and safety. Arrange appropriate medical attention and emergency transport where necessary.
2. Secure the scene where appropriate
Take reasonable steps to prevent further injury, protect other workers and preserve relevant information without delaying medical assistance.
3. Record the incident
Document the date, time, location, employee details, work being performed and known circumstances. Record witnesses and relevant equipment or environmental conditions where appropriate.
4. Notify the relevant people
Inform the responsible supervisor, human resources or management team. Notify the insurer promptly and follow its incident-reporting instructions.
5. Report the accident to DOSHS
The Ministry of Labour's occupational safety and health guidance states that employers should report fatal accidents to the relevant DOSHS County office within 24 hours and non-fatal accidents within seven days, using DOSHS1. Confirm the current applicable reporting procedure and any additional requirements.
See the official DOSHS guidance.
6. Assemble supporting documents
Depending on the case, these may include:
- The applicable accident notification forms.
- Medical reports and relevant assessment documents.
- Employee identity and employment records.
- Payroll and earnings information.
- Treatment receipts and related supporting records.
- Witness statements or incident investigation records.
- Dependant or beneficiary information in a fatal case.
- Any additional documentation requested by DOSHS or the insurer.
7. Cooperate with the assessment
Provide accurate information and respond to reasonable requests for clarification. Medical and occupational assessments may be required to determine the nature and extent of the injury or disease.
8. Keep a complete record
Maintain copies of the incident report, notifications, correspondence, supporting evidence and decisions. Record follow-up actions and confirm the claim outcome with the insurer or relevant authority.
Reporting an accident does not guarantee acceptance of an insurance claim. The circumstances, applicable law, supporting evidence and policy terms determine the outcome.
Employer Responsibilities Under WIBA and Workplace Safety Law
Insurance is one part of managing workplace risk. It does not replace an employer's wider legal duties relating to occupational safety and health.
Employers should maintain suitable procedures for identifying hazards, reducing risks, training employees, reporting incidents and keeping employment records.
Important areas include:
- Maintaining appropriate insurance against liabilities under WIBA, subject to the Act's provisions.
- Complying with applicable workplace registration and reporting requirements.
- Maintaining accurate employee earnings and employment records.
- Providing appropriate safety instruction, supervision and protective equipment.
- Taking reasonable steps to identify and control workplace hazards.
- Maintaining relevant incident, medical and training records.
- Reporting qualifying accidents and occupational diseases through the prescribed procedure.
- Cooperating with lawful investigations and assessments.
- Reviewing workplace practices when new equipment, work processes or hazards are introduced.
Employees also have responsibilities relating to workplace safety, following appropriate instructions, using required protective equipment and reporting incidents or hazards.
A suitable insurance policy should support a broader risk-management approach, not replace it.
WIBA Insurance Exclusions and Limitations
The fact that an incident occurs at work does not mean every loss or expense is automatically payable under every insurance policy.
The applicable law, facts of the incident, policy wording and underwriting conditions must be considered.
Before purchasing WIBA insurance, ask the insurer to explain:
- The definition of covered employees and declared activities.
- The treatment of incidents outside normal duties or working hours.
- Any age, occupational or eligibility restrictions in the policy.
- Applicable medical or other benefit limits.
- Any excesses, conditions or sub-limits.
- The treatment of pre-existing conditions where relevant.
- Requirements for accident notification and supporting documents.
- The scope of optional extensions and their separate exclusions.
- Any conditions relating to work outside Kenya or unusual deployment arrangements.
Do not rely on a generic online exclusions list as a substitute for the actual contract. The treatment of a particular event may depend on statutory rights as well as the policy wording, and these should not be conflated.
If your business requires additional protection for off-duty accidents, third-party liability or another specific risk, explain that requirement when requesting your quotation.
Why Compare WIBA Insurance Through GetCovered Kenya?
Choosing WIBA insurance is not simply a matter of finding the lowest premium. The policy must be appropriate for the business's activities, declared employees and risk-management requirements.
GetCovered Kenya helps businesses explore available insurance options and understand important differences before choosing a policy.
Compare available options
Request quotations from participating insurers and assess the terms, benefits and exclusions available for your business.
Make an informed decision
Understand why occupational activities, employee numbers, payroll and optional benefits can affect the quotation.
Get support through the process
Ask questions about the available options, documentation and next steps before proceeding with the selected insurer.
Use a convenient digital journey
Start your request online and follow the instructions provided for underwriting, payment and policy issuance. The availability of instant quotations, payment methods and digital policy delivery depends on the selected insurer and product.
Choose cover that fits your business
A suitable policy should reflect the workforce you actually employ and the risks your business faces. GetCovered Kenya aims to help you assess the options available rather than choosing on premium alone.
Frequently Asked Questions About WIBA Insurance in Kenya
1. Is WIBA insurance compulsory in Kenya?
Section 7 of the Work Injury Benefits Act, 2007 requires employers to obtain and maintain insurance against liabilities under the Act, subject to the statutory provisions and any applicable lawful exemption.
2. How much does WIBA insurance cost in Kenya?
The premium depends on factors such as the nature of the business, employee numbers, declared payroll, occupational classifications, risk profile and insurer underwriting. Request a quotation based on accurate information about your workforce.
3. Does WIBA insurance cover all employees?
The Act defines the employment relationships to which it applies and contains specific provisions on who qualifies as an employee. Employers should declare their workforce accurately and obtain advice on unusual employment arrangements, apprenticeships, casual work or contractors rather than assume every category is treated identically.
4. Does WIBA cover occupational diseases?
The Act provides for compensation relating to qualifying occupational diseases. The relevant medical evidence, occupational exposure, statutory provisions and assessment process determine whether a particular condition qualifies.
5. Does standard WIBA insurance cover employees outside working hours?
Do not assume that standard WIBA automatically provides 24-hour personal accident protection. Some insurers offer WIBA Plus or similar extensions. Check the actual wording, insured events and exclusions.
6. What is the difference between WIBA and WIBA Plus?
Standard WIBA is designed around eligible statutory compensation liabilities. WIBA Plus is a product name used by some insurers for WIBA combined with additional personal accident benefits. The precise additional protection varies by insurer.
7. What documents are required to buy WIBA insurance?
Insurers may request the employer's business details, nature of business, employee numbers, occupational categories, payroll or earnings information and a completed proposal form. Additional documents may be needed depending on the risk.
8. What documents are needed for a WIBA claim?
Requirements depend on the incident and claim. They may include accident reports, DOSHS forms, medical reports, employee and payroll records, receipts and dependant information for fatal cases. Follow the applicable reporting procedure and the insurer's instructions.
9. How quickly should a workplace accident be reported?
The Ministry of Labour's DOSHS guidance states that fatal accidents should be reported within 24 hours and non-fatal accidents within seven days, using DOSHS1. Confirm the applicable current procedure and ensure that insurer notification requirements are also followed.
10. Does WIBA insurance cover medical expenses?
The Act contains provisions for medical aid and medical expenses. The treatment of a particular expense, the applicable statutory requirements and any policy-specific arrangements should be confirmed with the insurer.
11. Is WIBA the same as Employers' Liability insurance?
No. WIBA concerns statutory compensation under the Work Injury Benefits Act, while Employers' Liability is a separate liability product with its own wording and scope. A business should review whether additional protection is appropriate for its circumstances.
12. Can a small business buy WIBA insurance?
Small businesses should disclose their actual activities, workforce and payroll to the insurer or intermediary. The quotation and terms depend on underwriting and the applicable requirements.
13. Does WIBA insurance replace workplace safety measures?
No. Employers must continue to meet applicable workplace safety and health obligations. Insurance does not replace hazard control, employee training, suitable equipment, incident reporting or accurate record-keeping.
14. Can I compare WIBA insurance quotes online?
You can start by submitting your business details through GetCovered Kenya's WIBA quotation page. The available quotations, underwriting process and issuance arrangements depend on participating insurers and the information provided.
15. How do I renew WIBA insurance?
Review your policy expiry date, employee numbers, payroll, business activities and any changes in workplace risk. Submit the updated information required by the insurer and confirm the renewal terms and effective dates before the existing cover expires.
Get a WIBA Insurance Quote for Your Business
Workplace injuries and occupational diseases can have serious consequences for employees and employers. Understanding your obligations and arranging suitable insurance are important steps towards managing that exposure responsibly.
Whether you run a small business, a school, a factory, a construction company, a logistics operation or a large organisation, start with accurate information about your workforce and the work they perform.
GetCovered Kenya helps you explore available WIBA insurance options, compare relevant terms and request a quotation from participating insurers.
Ready to take the next step?
Insurance availability, premiums, acceptance, benefits and exclusions are subject to the selected insurer's underwriting requirements, policy wording and applicable law. This page provides general information and is not a substitute for legal advice or the terms of an issued insurance policy.
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