Why Business Insurance in Kenya Matters
Running a business in Kenya without insurance is like building a house without a foundation. Everything looks fine — until something goes wrong. A fire destroys your stock. A client sues you for a service gone wrong. An employee is injured on your premises. A delivery vehicle is involved in an accident. Any one of these events can wipe out years of hard work overnight if your business is not adequately covered.
Understanding how to get a business insurance cover in Kenya is a critical step that too many Kenyan entrepreneurs skip — either because they assume it is too expensive, too complicated, or something only large corporations need. None of these assumptions are true.
Kenya has a well-regulated insurance industry with a wide range of products specifically designed for SMEs, sole proprietors, startups, and growing businesses across every sector. Whether you run a retail shop in Nakuru, a consulting firm in Nairobi, a construction business in Mombasa, or an agribusiness in Eldoret, there is a product built for your risk profile and your budget.
This guide gives you a practical, honest, and step-by-step breakdown of how to get the right business insurance cover in Kenya in 2026 — what types of cover exist, who regulates the industry, what documents you need, how to compare and buy, and how to avoid the pitfalls that leave business owners with policies that do not pay when they need them most.
Summary
What it is: Business insurance is a contractual arrangement between a business and a licensed insurer, where the insurer agrees to compensate the business for specified financial losses in exchange for a regular premium payment.
Who needs it: Every business — sole proprietors, SMEs, startups, partnerships, limited companies, agribusinesses, professionals, and NGOs — regardless of size or sector.
Legally compulsory covers in Kenya: Motor vehicle third party insurance, Workers Compensation (WIBA) cover for all employees, and professional indemnity for certain regulated professions.
Estimated cost: KES 5,000 – KES 500,000+ per year depending on business type, size, cover selected, and risk profile.
Processing time: Same day to 5 business days depending on the insurer and cover type.
Where to buy: Licensed insurance companies, licensed insurance brokers, licensed insurance agents — all regulated by the Insurance Regulatory Authority (IRA) of Kenya.
Governing law: Insurance Act (Cap 487), Work Injury Benefits Act (WIBA) No. 13 of 2007, Motor Vehicle (Third Party Risks) Act (Cap 405), Laws of Kenya.
Legal Basis for Business Insurance in Kenya
Business insurance in Kenya is governed by the Insurance Act (Cap 487), which establishes the regulatory framework for all insurance business in the country. The Insurance Regulatory Authority (IRA) is the government body responsible for licensing, supervising, and regulating all insurers, brokers, agents, and loss assessors operating in Kenya.
Several specific laws mandate certain types of insurance for businesses:
The Motor Vehicle (Third Party Risks) Act (Cap 405) makes it a criminal offence to operate any motor vehicle on a public road without at minimum a valid third party insurance cover. This applies to all business vehicles — delivery vans, company cars, motorcycles, and trucks.
The Work Injury Benefits Act (WIBA) No. 13 of 2007 requires every employer in Kenya to cover their employees against work-related injuries, diseases, and death. WIBA cover is not optional — failure to maintain it exposes an employer to direct liability for compensation claims and prosecution.
Certain professional and regulated sectors have mandatory professional indemnity requirements. These include advocates under the Advocates Act, medical practitioners under the Medical Practitioners and Dentists Act, and engineers under the Engineers Act. Always confirm sector-specific requirements with the relevant regulatory body.
Why working only with IRA-licensed providers is non-negotiable. Kenya has a history of rogue insurance companies and fake policy sellers. Purchasing insurance from an unlicensed provider means your policy has no legal standing — it will not pay out when you claim. Always verify that your insurer, broker, or agent is licensed by checking the IRA register at ira.go.ke before purchasing any policy.
Requirements Checklist
Documents commonly required across most business insurance applications:
- Valid National ID or Passport of the business owner or director
- KRA PIN Certificate of the business
- Certificate of Business Registration or Certificate of Incorporation
- Physical business address and description of business premises
- Description of the nature of business activities
- Estimated annual turnover or revenue
- Details of assets to be insured — stock value, equipment value, property value
- Number of employees (for WIBA cover)
- Motor vehicle details — registration number, make, model, year, use (for motor cover)
- Any existing insurance policies and claims history
Additional documents for specific covers:
- Property insurance: valuation report or purchase receipts for property and equipment
- Professional indemnity: details of professional qualifications, services offered, and contract sizes
- Public liability: description of business premises, footfall or visitor numbers, nature of public interaction
- Trade credit insurance: list of debtors and credit terms offered
- Group life or medical cover: list of employees with names, ages, and salary details
Accounts or tools you may need:
- An active business bank account for premium payments via standing order or direct debit
- Access to your insurer’s or broker’s online client portal if they offer one
- M-Pesa for premium payments where accepted by the insurer
Read also: How to File Business Taxes in Kenya
Types of Business Insurance Cover Available in Kenya
Before buying any insurance, you need to understand what types of cover are available and which ones apply to your specific business. Buying the wrong cover — or too little cover — is one of the most common and costly mistakes Kenyan business owners make.
Fire and Perils Insurance
Covers your business premises, stock, equipment, and furniture against loss or damage caused by fire, lightning, explosion, and related perils. This is one of the most fundamental covers for any business with a physical location or significant stock. Some policies can be extended to cover additional perils such as flooding, storm damage, and malicious damage.
Burglary and Theft Insurance
Covers loss of business assets — cash, stock, equipment — due to burglary, housebreaking, or theft by forcible entry. This is particularly relevant for retail businesses, pharmacies, electronics shops, and any business holding significant stock or cash on premises.
Public Liability Insurance
Covers your legal liability to third parties — customers, visitors, members of the public — for bodily injury or property damage that occurs in connection with your business activities. If a customer slips and falls in your shop, or your business operations damage a neighbour’s property, public liability insurance covers the legal costs and compensation. This is essential for businesses with customer-facing premises or on-site operations.
Professional Indemnity Insurance
Covers legal liability arising from professional errors, omissions, negligence, or bad advice given in the course of providing professional services. This is critical for consultants, advocates, accountants, architects, engineers, IT professionals, healthcare practitioners, and any professional whose advice or services could cause a client financial loss. Some professional bodies and client contracts in Kenya now require proof of professional indemnity cover before engagement.
Work Injury Benefits Act (WIBA) Cover
Legally mandatory for all employers in Kenya. Covers employees against work-related injuries, occupational diseases, and death. Replaces the older Workers Compensation Act. The cover provides compensation directly to injured employees or their families. Failure to maintain WIBA cover exposes an employer to full direct liability for all claims plus regulatory penalties.
Motor Vehicle Insurance
Covers business vehicles against accident, theft, and third party liability. Three levels are available in Kenya:
- Third party only — the legal minimum, covers damage or injury you cause to other people and their property. Does not cover your own vehicle.
- Third party, fire and theft — adds cover for your own vehicle against fire and theft
- Comprehensive — the most complete cover, adding accidental damage to your own vehicle
All business vehicles used on Kenyan public roads must have at minimum a valid third party motor insurance certificate.
Goods in Transit Insurance
Covers stock, raw materials, and goods while being transported by road, rail, or sea — whether by your own vehicles or contracted carriers. Essential for importers, exporters, distributors, manufacturers, and any business that regularly moves valuable goods between locations.
Business Interruption Insurance
Covers loss of business income and ongoing fixed expenses — rent, salaries, utilities — when your business is forced to shut down temporarily due to an insured event such as a fire or major damage to your premises. Many Kenyan business owners insure their physical assets but forget to insure their income stream, leaving them exposed during the period of rebuilding.
Group Life and Medical Insurance
Group life cover provides a lump sum payment to the family of an employee who dies while in employment. Group medical insurance covers employees’ medical expenses. Both are increasingly important for attracting and retaining quality staff in Kenya’s competitive labour market. Some clients and large employers now require their service providers and contractors to have group medical cover for all deployed staff.
Fidelity Guarantee Insurance
Covers financial losses caused by dishonest acts — theft, fraud, embezzlement — by your own employees. Particularly relevant for businesses where employees handle significant amounts of cash or have access to client funds, such as accounting firms, retail businesses, saccos, and financial service providers.
Agricultural and Agribusiness Insurance
Covers farming operations against crop failure, livestock death, drought, flooding, and other agricultural risks. Products are available through several Kenyan insurers and the Kenya Livestock Insurance Programme (KLIP) for pastoralists. The Kenya Agriculture and Livestock Research Organisation (KALRO) and the Agriculture Finance Corporation (AFC) also support index-based agricultural insurance products for small-scale farmers.
Read also: How to Register a Sole Proprietorship in Kenya
Step-by-Step Process: How to Get a Business Insurance Cover in Kenya
Step 1: Conduct a Thorough Risk Assessment of Your Business
Before approaching any insurer or broker, sit down and honestly assess the specific risks your business faces. Every business has a unique risk profile depending on its sector, location, size, number of employees, physical assets, and the nature of its operations.
Ask yourself:
- What are the physical assets my business owns — premises, equipment, stock, vehicles?
- What events could cause my business to lose significant money overnight — fire, theft, accident, lawsuit?
- Do I have employees who could be injured at work?
- Could my products or services cause harm to a client or third party?
- Does my business depend on a specific location or piece of equipment to generate income?
- What is the maximum financial loss my business could absorb without closing?
The answers to these questions determine which covers you need and at what levels. Do not skip this step — buying insurance without a risk assessment leads to either being underinsured or paying for covers you do not need.
Step 2: Identify Which Covers Are Legally Mandatory for Your Business
Before considering optional covers, confirm which insurance types are legally required for your specific business:
- Motor vehicles: If your business owns or operates any vehicle on a public road, third party motor insurance is mandatory under the Motor Vehicle (Third Party Risks) Act.
- Employees: If you have any employees — even one — WIBA cover is mandatory under the Work Injury Benefits Act.
- Regulated professions: If you are an advocate, doctor, engineer, architect, or member of another regulated profession, confirm professional indemnity requirements with your professional body.
- Sector-specific requirements: Some sectors — construction, food handling, healthcare, security — have additional insurance requirements set by sector regulators. Confirm with the relevant authority.
Operating without mandatory cover is a criminal offence in Kenya. Address compulsory covers first before considering optional ones.
Step 3: Choose Between an Insurance Company, Broker, or Agent
In Kenya, you can purchase insurance through three channels:
Direct from an insurance company. You deal directly with the insurer — no intermediary. This can work well for simple, straightforward products. However, you are limited to that company’s products and pricing, with no independent comparison.
Through a licensed insurance broker. A broker is an independent professional who represents you — the client — rather than the insurer. A broker can compare products across multiple insurers, negotiate better terms on your behalf, and provide professional advice on the most appropriate cover for your risk profile. For business insurance, particularly complex or high-value covers, a broker is strongly recommended. Brokers are licensed by the IRA and listed at ira.go.ke.
Through a licensed insurance agent. An agent represents one or more specific insurance companies and sells their products. Agents are useful for straightforward products but cannot provide the same independent comparison that a broker offers.
For most SMEs buying business insurance in Kenya for the first time, working with a licensed insurance broker provides the best combination of advice, comparison, and advocacy — at no extra cost to you, since brokers are remunerated by commission from the insurers.
Step 4: Verify the IRA Licence of Your Chosen Provider
Before sharing any documents or making any payment, verify that your chosen insurer, broker, or agent is currently licensed by the Insurance Regulatory Authority. The IRA maintains a publicly accessible register of all licensed insurance entities at ira.go.ke.
Call the IRA directly at their Nairobi offices if you have any doubt about a provider’s licensing status. Do not rely solely on the provider’s own claims — fraudulent insurance sellers are a known risk in Kenya’s market. This verification step costs nothing and could save you everything.
Step 5: Request and Compare Quotations
Whether you use a broker or approach insurers directly, request formal written quotations from at least three providers before committing. A quotation should clearly state:
- The type of cover being offered
- The sum insured for each category of risk
- The annual premium amount and any additional levies
- The key terms, exclusions, and conditions of the policy
- The excess or deductible — the amount you must pay yourself before the insurer pays
- The claims process and timeline
When comparing quotations, do not simply choose the cheapest premium. A policy with a significantly lower premium may have broader exclusions, higher excesses, or a weaker claims payment record. Compare the value of the cover — not just the price.
Pay particular attention to policy exclusions — the circumstances under which the insurer will not pay a claim. Exclusions vary significantly between insurers and between policy wordings. Ask your broker or the insurer to explain every exclusion in plain language before you sign.
Step 6: Disclose All Material Facts Honestly
When completing your insurance proposal form — the document on which your policy will be based — disclose all material facts about your business honestly and completely. A material fact is any information that would influence a reasonable insurer’s decision to offer cover or to set the premium at a particular level.
Material facts that must always be disclosed include:
- Previous insurance claims history — even if claims were made with a different insurer
- Any previous policy cancellations or refusals
- The full nature of your business activities — including any higher-risk activities
- The true value of your assets — not an underestimate to reduce the premium
- Any known risks or hazards on your business premises
- Criminal convictions of directors or partners
Failure to disclose material facts — or providing false information — gives the insurer legal grounds to void your policy and refuse to pay any claims, even legitimate ones. This is one of the most common reasons insurance claims fail in Kenya. Disclose everything fully and accurately.
Step 7: Review the Policy Document Before Signing
When the insurer issues your formal policy document, read it carefully before signing and paying. The policy document is the legal contract between you and the insurer. It governs what is covered, what is excluded, how claims are made, and under what circumstances the insurer can decline a claim.
Key sections to review carefully:
- Insuring clause — what the policy actually covers
- Exclusions — what is specifically not covered
- Conditions — obligations you must fulfil to keep the policy valid, such as maintaining security measures, notifying the insurer of changes, or reporting incidents within specified timeframes
- Sum insured — ensure each asset or liability category is insured at its correct replacement or market value
- Excess/deductible — the amount you pay first on every claim
- Claims procedure — the steps you must follow when making a claim and the timeframes involved
If any clause is unclear, ask for a written explanation before signing. If you used a broker, your broker should walk you through the policy document and explain the key terms.
Step 8: Pay Your Premium and Receive Your Cover Documents
Once you are satisfied with the policy, pay the agreed annual or instalment premium through the official insurer payment channels — direct bank transfer, M-Pesa, or cheque. Never pay insurance premiums in cash to an agent without obtaining an official receipt from the insurance company itself.
Upon payment, you should receive:
- A policy schedule — a summary document showing your name, policy number, cover period, sums insured, and premium paid
- The full policy document — the detailed terms and conditions
- A certificate of insurance — a one-page document confirming the existence of cover, required for motor vehicles, WIBA, and some professional contracts
- Premium receipt — official confirmation of payment
Keep all these documents safely — physically and in digital cloud storage. You will need them when making a claim and when renewing the policy.
Step 9: Maintain Your Policy and Review It Annually
Buying insurance is not a once-and-done activity. Your business changes — and your insurance cover must change with it. Build the following habits:
- Renew your policy on time. A lapsed policy provides no cover. Set renewal reminders at least 30 days before your policy expiry date.
- Notify your insurer of material changes. If you acquire new assets, hire more staff, move premises, expand your business activities, or purchase new vehicles, notify your insurer immediately. Failure to declare changes can invalidate your cover.
- Review your sums insured annually. Asset values change. Stock levels fluctuate. If your business grows significantly and your sums insured remain static, you risk being underinsured — meaning the insurer will only pay a proportional share of any claim.
- Review your cover types annually. As your business evolves, your risk profile changes. Covers that were adequate at startup may be insufficient three years later.
Total Cost Breakdown in Kenya
Here is a realistic picture of the cost of common business insurance covers in Kenya in 2026. All figures are approximate — actual premiums depend on your specific risk profile, business size, location, and insurer. Always obtain a formal quotation.
Fire and perils insurance:
- Premium rate: approximately 0.15% – 0.35% of the sum insured per year
- Example: KES 5 million sum insured = approximately KES 7,500 – KES 17,500 per year
Burglary insurance:
- Premium rate: approximately 0.25% – 0.50% of the sum insured per year
- Example: KES 2 million sum insured = approximately KES 5,000 – KES 10,000 per year
Public liability insurance:
- Premium: KES 5,000 – KES 50,000+ per year depending on business type, premises size, and indemnity limit
Professional indemnity insurance:
- Premium: KES 15,000 – KES 150,000+ per year depending on profession, fee income, and indemnity limit
WIBA (Work Injury Benefits Act) cover:
- Premium rate: approximately 0.5% – 3.0% of annual employee payroll depending on the risk classification of the occupation
- Example: Annual payroll of KES 2 million, rate of 1% = KES 20,000 per year
Motor vehicle insurance — third party only:
- Premium: KES 3,000 – KES 7,500 per vehicle per year (regulated minimum rates apply)
Motor vehicle insurance — comprehensive:
- Premium rate: approximately 4% – 7% of vehicle value per year
- Example: Vehicle value KES 1.5 million, rate 5% = KES 75,000 per year
Goods in transit:
- Premium: approximately 0.25% – 0.75% of goods value per transit or annual declaration basis
Business interruption insurance:
- Premium: approximately 0.15% – 0.50% of estimated annual gross profit insured
Group medical insurance:
- Premium: KES 15,000 – KES 60,000+ per employee per year depending on cover level, age profile, and insurer
Common Mistakes to Avoid
Buying insurance from an unlicensed provider. This is the most dangerous mistake a Kenyan business owner can make. Fake insurance sellers and unlicensed agents are a real and active problem in Kenya. An unlicensed policy is legally worthless — it will not pay out. Always verify IRA licensing at ira.go.ke before purchasing any policy.
Underinsuring your assets to reduce the premium. Declaring a lower asset value to pay a smaller premium is a short-term saving with potentially catastrophic consequences. Most Kenyan business insurance policies include an average clause — if you are insured for less than the true value of your assets, the insurer will only pay a proportional amount of any claim, not the full loss.
Not reading the exclusions. Many business owners in Kenya find out what their policy does not cover only when they make a claim. By then it is too late. Read the exclusions before you buy — not after you file a claim.
Failing to maintain WIBA cover for employees. Some employers believe WIBA only applies to large companies or high-risk industries. It applies to every employer with at least one employee in any sector. Uninsured employers face direct liability for the full cost of employee compensation claims, which can be financially devastating.
Letting your policy lapse due to non-payment. A gap in cover — even one day — means you have no protection during that period. Set up a standing order or direct debit for premium payments and ensure funds are always available on the deduction date.
Not notifying the insurer of business changes. Acquiring new equipment, expanding your premises, hiring more staff, or changing your business activities without notifying your insurer can invalidate your entire policy. Notify your insurer in writing of any material change as soon as it occurs.
Failing to make a claim promptly. Insurance policies in Kenya typically require you to notify the insurer of an incident within a specified timeframe — often 24 to 72 hours for some covers. Late notification is one of the most common grounds used by insurers to reduce or reject claims. Know your notification obligations and act immediately when an insured event occurs.
Choosing cover based only on premium price. The cheapest policy is rarely the best policy. A policy with lower premiums may have higher excesses, broader exclusions, lower indemnity limits, or a poor claims payment track record. Evaluate the value of the cover — not just the cost.
Frequently Asked Questions
Is business insurance mandatory for all businesses in Kenya? Not all covers are mandatory for all businesses, but several are legally required in specific circumstances. Motor vehicle third party insurance is mandatory for any vehicle on a public road. WIBA cover is mandatory for any employer with employees. Certain regulated professions require professional indemnity insurance. Even where cover is not legally mandatory, operating without adequate business insurance is a serious financial risk that could threaten your business’s survival.
How do I verify that an insurance company is licensed in Kenya? Visit the IRA website at ira.go.ke and check the register of licensed insurers, brokers, and agents. The register is publicly accessible and updated regularly. You can also call the IRA directly at their Nairobi offices to confirm licensing status. Never purchase insurance from a provider who cannot be verified on the IRA register.
What is the difference between an insurance broker and an insurance agent in Kenya? A broker is an independent professional who represents the client and can place business with multiple insurers, providing comparative advice. A broker’s primary duty is to the client. An agent represents one or more specific insurance companies and sells their products. For complex business insurance needs, a broker generally provides better value and more objective advice than an agent.
Can I pay business insurance premiums in instalments in Kenya? Many Kenyan insurers and brokers offer instalment payment arrangements for annual premiums — typically quarterly or monthly. However, be aware that some policies require the full annual premium to be paid upfront for the policy to be valid. Others allow instalments but impose conditions — such as the cover being suspended if an instalment is missed. Confirm the payment terms clearly before committing.
What should I do immediately after an insured event occurs? Act quickly. Notify your insurer or broker in writing as soon as possible — within the timeframe specified in your policy. Preserve all evidence of the loss — photographs, police reports for theft or accidents, medical reports for WIBA claims, fire brigade reports for fire damage. Do not repair or dispose of damaged property until the insurer’s loss assessor has inspected it. Cooperate fully with the insurer’s investigation process.
How long does an insurance claim take to be paid in Kenya? Claim processing times vary by insurer and the complexity of the claim. Simple, well-documented claims — such as a straightforward motor vehicle claim with a police abstract and repair estimate — can be settled within 2 to 4 weeks. More complex claims involving large sums, disputed liability, or extensive investigation can take several months. The IRA sets standards for claim turnaround times — if your insurer is unreasonably delaying payment, you can file a complaint with the IRA.
What is the IRA and what can it do for me as a policyholder? The Insurance Regulatory Authority (IRA) is Kenya’s insurance sector regulator. Beyond licensing insurers and brokers, the IRA handles consumer complaints against insurance companies, investigates market misconduct, and can direct insurers to pay legitimate claims that have been unreasonably delayed or rejected. If you have a genuine dispute with your insurer that cannot be resolved directly, filing a complaint with the IRA at ira.go.ke is a legitimate and effective recourse.
Does my business insurance cover losses from employee theft? Standard business insurance covers such as fire and burglary do not cover theft by your own employees. For protection against employee dishonesty, you need a fidelity guarantee insurance policy, which specifically covers financial losses caused by fraudulent or dishonest acts by employees. This cover is particularly important for businesses where employees handle cash, client funds, or valuable stock.
Pro Tips from a Kenyan Business Consultant
Work with a licensed insurance broker rather than buying direct for complex covers. A broker costs you nothing extra — their commission comes from the insurer — but their expertise in comparing products, reading policy wordings, and advocating for you during claims can be worth many times the premium you pay. For straightforward motor insurance, direct purchase is fine. For business package policies, professional indemnity, or WIBA cover, use a broker.
Conduct a professional insurance valuation of your business assets every two years. Many Kenyan businesses are significantly underinsured simply because they have never had their assets professionally valued. The cost of a valuation report is modest compared to the gap in cover it reveals. An underinsured business in Kenya will always receive a proportionately reduced claim settlement under the average clause.
Bundle your covers into a business package policy where possible. Many Kenyan insurers offer combined business package policies that include fire, burglary, public liability, and business interruption in a single policy at a lower combined premium than buying each cover separately. Ask your broker or insurer whether a package product is available and whether it covers your specific risks adequately.
Keep a detailed asset register updated. Maintain a written and photographic record of all your business assets — equipment, furniture, stock, vehicles, technology — with purchase prices, current values, and serial numbers. Store this record securely off-site or in cloud storage. When you make a claim, a well-documented asset register dramatically speeds up the process and prevents disputes over values.
Review your insurance programme whenever your business milestone changes. Signing a major new contract, opening a second location, hiring your tenth employee, purchasing new delivery vehicles, or launching a new product line — each of these events changes your risk profile. Treat them as trigger points to review and update your insurance cover rather than waiting for your annual renewal.
Understand your excess before you buy. The excess — also called a deductible — is the amount you agree to pay yourself on every claim before the insurer pays the balance. A higher excess reduces your premium but increases your out-of-pocket cost when you claim. Choose an excess level that your business can genuinely absorb without financial strain.
File complaints with the IRA if your legitimate claim is unreasonably rejected. The IRA has a dedicated consumer protection function and has the authority to direct insurers to pay legitimate claims. Do not simply accept an unjustified rejection — engage your broker to challenge the decision, and if the matter is not resolved, escalate to the IRA formally.
Conclusion
Understanding how to get a business insurance cover in Kenya is not just about ticking a compliance box — it is about protecting everything you have worked to build from risks that are real, common, and often completely unpredictable.
Kenya’s insurance market is well-regulated, increasingly competitive, and home to a wide range of products designed specifically for businesses of every size and sector. The right cover exists for your business — the key is identifying your risks accurately, choosing a licensed and reputable provider, disclosing everything honestly, reading your policy carefully, and maintaining your cover with discipline year after year.
The cost of adequate business insurance in Kenya is a fraction of the cost of a single uninsured loss. A fire, a lawsuit, an employee injury, or a road accident can generate financial exposure that no business — however well-run — can absorb without insurance. Do not let your business be one claim away from closure.
Verify all insurers and brokers at ira.go.ke before purchasing. For mandatory motor insurance certificates, WIBA cover, and other statutory requirements, ensure your certificate is valid and accessible at all times. Review your cover annually and update it whenever your business changes.
Insure your business properly — because what you have built deserves to be protected.
Read also:
- How to Register a Sole Proprietorship in Kenya
- How to Register a Partnership Business in Kenya
- How to Apply for a Business Permit in Kenya
- How to Register a Limited Company in Kenya
