+254 020 2100154 premiersure@gmail.com Nairobi, Kenya

Business & Corporate Insurance

Protect your enterprise against liability claims, employee injuries, material assets damage, and operational disruptions.

Enterprise

Protect Your Hard Work

Running a business involves navigating risk daily. A single fire incident, employee injury lawsuit, or a professional negligence claim can severely disrupt cash flow or cause bankruptcy. Premiersure works with SMEs and large corporates in Kenya to customize insurance portfolios, checking rates across multiple underwriters to keep your liability exposure to a minimum.

Our Commercial Products

WIBA Cover

Work Injury Benefits Act cover. Compulsory statutory protection for employees against work-related injuries, illnesses, or death.

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Professional Indemnity

Protects professional practices against client lawsuits for financial losses due to negligence, errors, or omissions.

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Group Life Assurance

Provides a critical salary-multiplier financial payout to employees' beneficiaries in the event of their passing.

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Group Funeral Cover

Lump-sum cash payments issued within 48 hours to help employees' families manage immediate funeral expenses.

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Fire & Perils

Protects business buildings, machinery, fixtures, fittings, and stock against fire, lightning, explosions, and floods.

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Marine Cargo

Protects imported/exported materials and goods during air, sea, or land transit against accidental loss or damage.

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Other Corporate Solutions

  • Public Liability: Protects against claims for third-party injuries or property damage occurring on your business premises.
  • Group Medical: Attract talent by offering comprehensive outpatient/inpatient packages for employees and their dependents.
  • Bid & Performance Bonds: Guarantees for government/private tenders issued through leading financial partners.

Business Quote Request

Request a customized quote or portfolio assessment from our commercial underwriters.

Our commercial underwriting director will contact you directly.

FAQs

Business Insurance FAQs

Answers to legal mandates, PI liabilities, and premium audits.

Yes, under the Work Injury Benefits Act (WIBA) of 2007, every employer in Kenya is legally mandated to carry WIBA insurance cover for their workers (including casuals and domestic staff). Failure to have a WIBA policy is a criminal offense punishable by heavy fines or imprisonment.

Public Liability covers claims for accidental bodily injury or physical damage to third parties occurring on your premises (e.g. a customer slips on a wet floor). Professional Indemnity covers financial losses that clients suffer due to your professional negligence, errors, omissions, or bad advice (e.g., an accountant making a tax filing error resulting in heavy penalties).

WIBA premiums are calculated as a percentage of the total annual gross earnings of your employees. Earnings include basic salaries, commissions, allowances, and bonuses. The rate varies depending on the risk class of the employee (e.g., office staff have a low rate like 0.1%, while factory workers or drivers have a higher rate like 1.5% - 3%). At the end of the policy year, an audit is done to adjust for changes in wage bills.