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Business Insurance – Protect Your Enterprise

Safeguard your business assets, employees, and operations with comprehensive cover from Kenya's leading insurers. Fire, burglary, liability, professional indemnity, and more.

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Fire & Burglary Insurance

Protect your business premises, stock, and equipment against fire, theft, and related perils. Our comprehensive fire and burglary cover ensures your business can recover quickly from unforeseen events.

  • Cover for buildings, stock, machinery, and office contents
  • Fire, lightning, explosion, and implosion damage
  • Theft and burglary (including damage to safes)
  • Riot, strike, and malicious damage
  • Flood, storm, and earthquake cover (optional)
  • Flexible sum insured – adjust as your business grows
  • Replacement or repair cost – not depreciated value
  • Buildings – offices, warehouses, shops
  • Contents – stock, furniture, electronics
  • Fire Perils – lightning, gas explosion
  • Riot & Strike – civil commotion damage
  • Flood & Storm – optional extension
  • Burglary – theft of contents

Liability Insurance

Protect your business against legal claims for injury, death, or property damage caused to third parties. Liability insurance covers legal fees, compensation, and investigation costs.

  • Public liability – injury or damage to the public
  • Products liability – harm caused by products you sell or manufacture
  • Employer's liability – injury or illness to employees (WIBA compliant)
  • Legal defense costs covered
  • Customizable limits of indemnity
  • Worldwide cover (optional for international operations)
  • Public Liability – injury/death to third parties
  • Products Liability – defective products
  • Employer's Liability – staff injuries
  • Legal Costs – defense and settlement fees
  • Worldwide Cover – optional extension

Professional Indemnity Insurance

If your business provides professional advice or services, professional indemnity insurance protects you against claims of negligence, errors, or omissions that result in financial loss to your clients.

  • Cover for financial loss due to professional negligence
  • Defense costs and legal representation
  • Covers past work (retroactive cover)
  • Data protection and confidentiality breaches
  • Libel, slander, and defamation cover
  • Flexible limits depending on your profession
  • Suitable for accountants, engineers, IT consultants, architects, lawyers, and more
  • Professional Negligence – errors, omissions, misrepresentation
  • Data Breaches – loss of client data
  • Defamation – libel and slander
  • Retroactive Cover – for past work
  • Legal Defense – full legal cost coverage

Business Interruption Insurance

When a fire, flood, or other insured peril disrupts your operations, business interruption insurance covers your lost income and ongoing expenses until you're back on your feet.

  • Reimbursement of lost profits during the interruption period
  • Fixed operating expenses (salaries, rent, utilities) covered
  • Temporary relocation costs if you need to move premises
  • Cover for loss of market share due to extended closure
  • Flexible indemnity periods (3, 6, 12 months or more)
  • Works alongside your fire and property insurance
  • Lost Profits – compensated for the closure period
  • Fixed Expenses – rent, salaries, loan payments
  • Relocation Costs – moving to temporary premises
  • Market Share Protection – preventing customer loss
  • Flexible Indemnity – choose your cover duration

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Why Choose Jaybi for Business Insurance

We compare policies from 12+ leading insurers to find you the best cover at the best price.

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Access quotes from Kenya's top business insurance companies.

Claims Support

We handle the entire claims process so you can focus on your business.

Affordable Premiums

Competitive rates with flexible payment options.

Quick Policy Setup

Most policies activated within hours of application.

Frequently Asked Questions

Everything you need to know about business insurance.

Employer's liability (WIBA) is mandatory. Other covers like fire, burglary, and liability are optional but strongly recommended to protect your investment.

Yes, we can bundle fire, burglary, liability, and other covers into a combined package policy, often at a discounted premium.

It depends on the value of your building and contents, the type of business, fire protection measures, and location.

Professional indemnity covers financial losses due to professional errors or negligence, while general liability covers physical injury or property damage.

Most straightforward claims are settled within 14‑30 days, depending on documentation and investigation.

Yes, you can insure contents, stock, and liability even if you don't own the building. Landlords often insure the building itself.

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