Operating a business in Kenya presents significant challenges. One day, you’re celebrating a new contract; the next, a power surge, a flooded warehouse, or a cyber-attack threatens to undo it all. That’s the reality of entrepreneurship: opportunity and risk walking hand in hand.
Here’s the truth: business insurance is more than shielding against losses. It’s about buying freedom. Freedom to scale, take bold bets, and lead with confidence, knowing that Dawit has your back when the unexpected strikes.
At Dawit Insurance, we treat your business like we would our own family, protecting it with Excellence, Stewardship, and a drive to make a Difference.
Why Business Insurance Matters in Kenya
Too many Kenyan entrepreneurs only think about insurance after a disaster has already knocked on the door. By then, it’s often too late. We’ve seen businesses crippled because they overlooked essentials:
- Fire & Property Losses (Assets Insurance) – A blaze in an industrial area can wipe out years of progress.
- Work Injury Benefits Insurance (WIBA) & Employers Liability – One serious workplace injury could drain your finances if you’re unprepared.
- Public Liability – A supplier or customer slip-and-fall can turn into a costly lawsuit.
- Cyber Insurance – Kenya’s digital economy is booming, but cybercrime is keeping pace.
- Business Interruption / Increased Cost of Working – Strikes, floods, or a breakdown in critical equipment can stall operations overnight.
The point isn’t to scare you but to remind you that peace of mind is a competitive advantage.
Core Covers Every Kenyan Business Should Have
| Business Need | Insurance Cover | Why It Matters |
| Buildings, machinery, or stock | Fire & Perils / All Risks | Protects your physical assets from fire, theft, or accidental damage. |
| Staff employment | WIBA & Employers Liability | Mandatory by law; protects both the employer and the employee |
| Serving the public or clients | Public & Product Liability | Covers injury or damage caused to third parties. |
| Offering professional services | Professional Indemnity | Shields you from claims of errors, negligence, or poor advice. |
| Operations at risk of downtime | Business Interruption / Increased Cost of Working | Keeps revenue flowing when operations pause. |
| Handling data or online services | Cyber Insurance | Protects against hacks, data loss, and ransomware. |
| Transporting goods locally or abroad | Marine Insurance | Safeguards against losses while in transit. |
| Reliance on a key leader | Key Man Cover | Provides a safety net if a vital person is lost. |
| Caring for your people | Group Health Insurance / Life Insurance | Attracts, retains, and protects your team and their families. |
The Dawit Advantage
Insurance in Kenya has a bad reputation; it is confusing, overpriced, and full of small print. Dawit flips that script.
- Transparency: We tell you the truth about what you’re buying.
- Problem-Solving: We design a cover that actually fits your business, not just a generic policy.
- Relief from Burden: We chase claims so you don’t lose sleep.
- Peace of Mind: We kill price anxiety by negotiating the best terms.
- Excellence: We don’t stop until your risks are properly covered.
That’s how Dawit earns trust, and why our clients stay with us year after year.
Case Study: Fibre Optic Supplier Accident
Situation: A fibre optic installation company was drilling trenches for network infrastructure when they inadvertently left an uncovered trench unattended. Unfortunately, a child wandered onto the property and fell into the uncovered trench, resulting in serious injury.
Our Insurance Response:
- Liability Coverage: Provided immediate financial protection for the injured child’s medical expenses and related costs
- Legal Defense: Covered the cost of legal representation and defense against liability claims
- Property Damage: Paid for emergency excavation and trench restoration to prevent further accidents
- Business Interruption: Helped maintain cash flow during the investigation period while the site was secured
Outcome: The injured child received comprehensive medical care without delay, the family received appropriate compensation, and the business was able to continue operations with minimal disruption. The insurance coverage protected both parties from potentially devastating financial consequences while ensuring proper accident response and resolution.
This case illustrates how our comprehensive coverage shields businesses from the unexpected financial consequences of accidents, even when they result from operational oversight.
How to Get Started
- List your risks. Think of your people, property, operations, and clients.
- Match cover to risk. Start with essentials, then layer on specialized protection.
- Work with Dawit. We translate the jargon, negotiate fiercely, and guide you through every step.
- Review annually. As your business evolves, so should your protection.
Ready to safeguard your business and buy back your peace of mind? Explore Dawit Business Insurance Solutions
