← Business Insurance
Claiming on business insurance
We lodge and follow up the claim for you at no extra cost. Here is exactly what happens and what we will need from you.
Report a claim: 0748 055 038Step by step
- 1Report the loss to us within 48 hours.
- 2Preserve the scene and share photos, stock records and invoices.
- 3A loss adjuster is appointed for larger claims.
- 4Settlement is paid to the business account once agreed.
Documents needed
- Completed claim form
- Police abstract and incident report
- Stock records, invoices and purchase records
- Photos of the damaged premises or goods
- Audited accounts for business interruption claims
How long it takes
Simple claims in 14–21 days; adjuster-led claims once the report is agreed, usually 30–45 days.
Delays almost always come down to missing paperwork, so send everything in one go and we will chase the underwriter daily until it is paid.
Common questions
Is WIBA cover compulsory?
Yes. Every employer in Kenya must cover employees for work-related injury.
Can I insure stock that changes value?
Yes, on a declaration basis, so you pay on your average stock rather than a fixed sum.
Does it cover lost income after a fire?
Yes, if business interruption is added. It pays your gross profit while you rebuild.