WIBA, Marine Cargo, Contractors All Risks & SME Biashara Insurance in Kenya Explained

Running a growing enterprise, school, construction firm, or import business in Kenya requires protection against operational, statutory, and third-party risks. RAA Insurance Agency structures one-stop commercial packages across Kenya's strongest underwriters.

1. SME Combined Packages (Biashara Salama & BizBora) Instead of managing separate policies, SMEs, retail shops, clinics, and offices can combine Fire & Perils, Burglary, Office Computers, Money in Transit, Plate Glass, and Public Liability under a single streamlined SME policy.

2. WIBA (Work Injury Benefits Act) & Group Personal Accident Every employer in Kenya is required under the Work Injury Benefits Act (WIBA) to insure employees against accidental bodily injury, disability, or occupational illness arising out of and in the course of employment. We pair WIBA with Employers' Liability and 24-hour Group Personal Accident (GPA) cover.

3. Marine Cargo Insurance for Importers & Clearing Agents All commercial imports entering Kenya via Mombasa Port, the Nairobi Inland Container Depot (ICD), or Jomo Kenyatta International Airport (JKIA) require locally underwritten, IRA-compliant Marine Cargo Insurance. Our desk issues urgent Marine Cargo certificates and Goods in Transit (GIT) policies.

4. Contractors All Risks (CAR), Professional Indemnity & School Guard Whether you are bidding for an engineering or building tender requiring Contractors All Risks (Mjengo Plus) and Performance Bonds, renewing Professional Indemnity for a medical, legal, or architectural practice, or insuring school buses and students under School Guard, RAA Insurance Agency compares terms across AIG, APA, CIC, ICEA LION, Jubilee, Britam, Old Mutual, Fidelity, Occidental, and Takaful.