Blog Details
Diskava. Beta. Kava
30Oct
WIBA, GPA & Employer’s Liability Insurance in Kenya
The Complete Guide to Protecting Your Employees and Your Business.
1️⃣ WIBA Insurance Explained: Why It’s Mandatory for ALL Kenyan Employers (And How to Comply)
Because protection isn’t optional — it’s the law.
If you run a business in Kenya — whether you have one employee or one thousand — you’re sitting right under the Work Injury Benefits Act (WIBA) umbrella.
And here’s the blunt truth: WIBA insurance is not a luxury — it’s a legal requirement.
What Is WIBA Insurance?
WIBA (Work Injury Benefits Act, 2007) is a law that requires every employer in Kenya to protect their employees against work-related injuries, illnesses, or death.
In simple words:
If your employee gets injured while working — whether in the office, on-site, in transit, or at a client’s location — you are liable for their medical bills, lost wages, and compensation.
WIBA Insurance is the policy that helps you fulfill that obligation without breaking the bank or losing your business.
What It Covers
- Accidental injuries or illnesses that happen during work.
- Permanent disability or death resulting from a work-related accident.
- Medical expenses — from hospitalization to rehab.
- Funeral expenses if the worst happens.
It’s a full circle of protection — for both employer and employee.
Why It’s Mandatory
The WIBA Act made it clear: no employer is exempt.
Whether you run a factory, construction site, shop, school, or tech start-up — if you pay salaries, you must have WIBA.
Failure to comply? You risk:
- Heavy penalties and fines
- Legal suits by employees or dependents
- Suspension of business operations
- Tender disqualifications (most government contracts demand WIBA certificates)
Real Talk: How to Comply
- Get a licensed WIBA policy — only from insurers authorized by the Insurance Regulatory Authority (IRA).
- Work with a registered intermediary like Imana Insurance Kenya Ltd — they’ll get you multiple quotes, handle documentation, and ensure full compliance.
- Keep your employee records updated — salaries, roles, and risk exposure affect your premium.
- Report incidents promptly — claims must be filed quickly for faster settlement.
How Much Does It Cost?
WIBA premiums are super affordable — usually around 1% of your annual payroll, depending on the nature of your work.
Office staff? Lower risk. Construction workers? Higher risk.
The beauty is, with Imana Insurance, you get comparative quotes, affordable rates, and digital certificates — making compliance effortless.
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810 | 0796209402
#WIBAInsurance #EmployeeSafety #ImanaInsurance #KenyaEmployers #BusinessCompliance #CompareBuySave #WorkplaceProtection #WIBAKenya
2️⃣ The Untold Benefits of Employer’s Liability Insurance: Protecting Your Business from Employee Lawsuits
Because one lawsuit can undo years of hard work.
You’ve probably heard of WIBA — but here’s the secret sauce most Kenyan employers miss: Employer’s Liability Insurance.
It’s not just about compensation; it’s about protection from legal attack.
What Is Employer’s Liability Insurance?
This cover protects employers from lawsuits filed by employees who claim that your negligence, unsafe environment, or poor management led to their injury or illness.
In essence: WIBA pays compensation, but Employer’s Liability covers your legal defense and damages if you’re sued beyond WIBA’s limits.
Imagine this:
Your factory worker gets injured on-site. You pay WIBA compensation, but later they sue, claiming unsafe equipment or lack of safety gear.
Now what?
That’s where Employer’s Liability steps in — covering your legal fees, court settlements, and damages.
Why You Need Both WIBA and Employer’s Liability
WIBA = Compensation for work injuries (mandatory by law).
Employer’s Liability = Legal defense & protection from negligence suits (optional but crucial).
They work hand in hand. WIBA keeps you compliant. Employer’s Liability keeps you safe.
Why It’s Becoming Essential in Kenya
- Employees are increasingly aware of their rights.
- Workplace safety standards are rising — one oversight can spark a claim.
- Employers bidding for tenders or NGO contracts are being asked for both WIBA and Employer’s Liability certificates.
This is no longer just a “big company” issue. Even SMEs and start-ups need that legal shield.
How Much Does It Cost?
It’s surprisingly affordable — a small top-up on your WIBA premium, often just a few thousand shillings per year.
And that little cost could save your business millions in legal fees down the line.
Why Imana Insurance Kenya Ltd Leads the Pack
With years of experience handling employee-related covers, Imana Insurance Kenya Ltd ensures your business:
- Meets full WIBA compliance
- Gets properly extended with Employer’s Liability protection
- Has access to multiple quotes from top-rated insurers
- Receives quick claim support if anything goes wrong
Whether you run a salon in Rongai or a steel plant in Industrial Area, they’ve got you covered.
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands – Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810
#EmployersLiability #WIBAInsurance #ImanaInsurance #BusinessProtection #KenyaEmployers #EmployeeCover #LegalShield #WorkplaceInsurance #CompareBuySave
Bonus Section: GPA (Group Personal Accident) — The Silent Hero
If WIBA is law, GPA is love. ❤️
Group Personal Accident (GPA) covers employees 24/7 — on and off duty.
So even if an accident happens at home, on the road, or over the weekend, GPA still pays.
It’s not mandatory, but it’s a beautiful gesture — and many employers use it to show care beyond the law.
Plus, combined GPA + WIBA = full-circle protection that builds loyalty and boosts retention.