Skip to main content

Best All-Inclusive Manufacturers Insurance Solutions for Your Business in East Africa.

Manufacturers come in all shapes, sizes, and product lines. But no matter what manufacturing business you’re in, there’s one thing in common: the need to protect your business. We can help you design the right manufacturer’s insurance policy.

Who is this complete Manufacturer Insurance package for?

Manufacturers in Kenya, spanning both heavy and light industries, who drive economic development, create jobs and contribute to global trade.

Join forward-thinking manufacturers who secure their enterprises with our tailored coverage—because thriving through unexpected challenges is the key to sustained success.

Do you know the risks your manufacturing business faces?

How can manufacturer insurance protect you?
Use the yellow hot spots and explore how manufacturer insurance can help protect against common risks.
Commercial General Liability Insurance
Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?


Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.

Commercial Property Insurance
Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.


Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Interruption Insurance
Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.


Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance
Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.


Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.


Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Liability
Risk Factor

Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Motor Truck and Ocean Cargo Insurance
Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.


You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.

Risks Faced By Common Manufacturing Industries In Kenya

Discover how our tailored insurance packages empower businesses like yours to navigate uncertainties and thrive. From safeguarding against supply chain disruptions to protecting assets from unexpected events, our comprehensive coverage ensures your peace of mind.

At Dawit, we walk our clients through the entire process of getting covered. We consider ourselves your insurance department. From helping you pick the right covers best suited for supporting you through the claim process, we’ve got you covered.

Steel Rolling Mills

The supply chain for iron ore and coal disruptions, leading to production delays and increased costs.

Construction Industry

Financial risks such as cost overruns, budget constraints, and difficulties in securing financing for heavy construction.

Ceramics Industry

Fire hazards and product liability such as recalls, errors and omissions.

Sugar Milling Industry

Supply Chain disruptions, Crop failures and financial losses due to product liability.

Cement Manufacturing

Property damage, Employee Injury, and Supply Chain disruptions.

LPG (Liquefied Petroleum Gas)

Fire hazards, accidents and injuries related to LPG handling and distribution.

Glass Manufacturing

Fire hazards and Product liability, Employee Injury.

Other Possible Business Risks

Holistic Manufacturing covers with respect to your assets

Equipment Breakdown: This risk involves the potential breakdown or malfunction of machinery and other essential equipment, leading to production disruptions, downtime, and repair costs.

Supply Chain Disruptions: Manufacturers may face interruptions in the timely delivery of raw materials or components, impacting production schedules and potentially leading to financial losses.

Consequential loss -in the context of manufacturing, refers to the indirect or secondary losses that result from a covered peril, such as equipment breakdown, supply chain disruptions, or natural disasters. These losses are not the direct physical damage to assets but are the financial consequences that follow, causing business disruption.

Cybersecurity Threats: The increasing digitization of manufacturing processes makes companies vulnerable to data breaches, ransomware attacks, and other cyber threats that can compromise sensitive information and disrupt operations.

Fire & Related Perils: Manufacturing facilities are susceptible to various natural disasters such as earthquakes, floods, fires, and storms, which can cause physical damage and disrupt operations.

All Risk -provides comprehensive coverage against a wide range of perils, offering protection for assets that are movable or portable. In manufacturing, portable equipment such as handheld devices, tools, or portable machinery can be covered under All Risk insurance. This coverage ensures that the assets are protected not only within the manufacturing facility but also when they are moved or used in different locations.


  • Product Liability:Risk of defective products leading to legal claims, recalls, reputation damage, and financial losses.
  • Regulatory Compliance:Adherence to safety, environmental, and product standards to avoid fines and reputational damage.
  • Environmental Liabilities:Legal consequences for manufacturing processes that fail to comply with environmental regulations.
  • Public Liability:Covers legal costs and compensation for injuries or property damage resulting from business activities.
  • Manufacturer Liability:Protection against claims for bodily injury or property damage caused by manufactured or sold products.
  • Professional Indemnity:Safeguards against negligence claims in services or advice provided to clients.
  • Product Recall:Covers costs associated with recalling unsafe products.
  • Error and Omissions (E&O):Protection against claims of inadequate work, negligent actions, or failure to provide promised services.
  • Contamination Risks:Covers financial losses from accidental product contamination, including recall costs and liability claims.


  • Workplace Accidents:Heightened risk of accidents and injuries in manufacturing due to heavy machinery and exposure to hazardous materials.
  • Intellectual Property Risks:Manufacturers with proprietary technologies face risks of theft, unauthorized use, and legal disputes, impacting innovation and competitiveness.

Are you Interested In a Comprehensive Manufacturer Insurance Policy?

We’ve got you! We aim to align your expectations with the underwriter’s reality, making us your trusted insurance department. Achieved through a dedicated and professional team and strategic partnerships with insurance companies, we’re here to support your business growth.

Let us handle risk mitigation while you focus on taking your business to new heights. Reach out to us through a call, email, or visit. Alternatively, fill in the form, and we’ll contact you shortly.

Utumishi Coop Building, Mamlaka Rd, Off Nyerere rd.

Privacy Statement and Declaration: By completing this form, you will have provided Dawit Insurance Agency with your Personal Information. Dawit Insurance Agency Ltd. will only use your personal information for lawful business purposes and is committed to protecting the integrity, confidentiality, access and use of personal information that we collect from you now and during our business. You have the right to access and correct personal data that may be incorrect or incomplete.

Let's discuss your manufacturer insurance.

One of our insurance advisors will contact you to review your information and present you with the appropriate manufacturer insurance solution. There’s no obligation, just good old-fashioned advice.