Blog Details
Diskava. Beta. Kava
30Oct
Business Continuity & Risk Protection in Kenya, proudly powered by Imana Insurance Kenya Ltd.
1️⃣ Protecting Your Small Business from Unexpected Losses in Kenya: A Guide to SME Insurance - Because one incident shouldn’t end your dream.
Running a small business in Kenya is both brave and beautiful. You wear a thousand hats — accountant, marketer, HR, driver, CEO — and yet, one unexpected event can sweep away everything you’ve built. A fire. A break-in. Floods. Lawsuits. Or even a sick employee.
That’s where SME insurance steps in — not as a burden, but as your business continuity partner.
What Is SME Insurance?
It’s a customized set of covers designed to protect small and medium-sized enterprises from financial losses due to unexpected events — whether man-made or natural.
In simpler terms: it keeps your business running even when things go wrong.
What Can It Cover?
SME insurance can include:
- Fire and Perils – protects your office, shop, or warehouse from fire, floods, and storm damage.
- Burglary and Theft – replaces stolen stock, computers, or equipment.
- Money Insurance – covers cash lost in transit or at premises.
- Public Liability – protects you if a client or visitor gets injured at your business.
- WIBA & GPA – takes care of your employees’ medical and accident costs.
- Business Interruption – pays for lost income when your operations are halted.
Why Every SME Needs It
- Because risk doesn’t discriminate. A cyber café in Rongai and a hardware shop in Kisumu both face danger daily.
- Because tenders now demand proof of insurance. Many clients, especially corporates and NGOs, require cover before signing contracts.
- Because replacing assets is expensive. Insurance makes sure one loss doesn’t collapse your cash flow.
- Because peace of mind fuels productivity. You can focus on growth, not fear.
The Imana Edge
At Imana Insurance Kenya Ltd, we specialize in designing SME-friendly insurance packages that fit your size and your budget.
From start-ups to established brands, we help you compare, buy, and save across Kenya’s top insurers — all from one point of contact.
📍 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
#SMEInsuranceKenya #ImanaInsurance #SmallBusinessProtection #CompareBuySave #EntrepreneurshipKenya #BusinessContinuity #RiskManagement
2️⃣ How to Insure Your Business Assets Against Political Violence and Terrorism in Kenya
Because peace of mind should exist even when peace is shaken.
Kenya is one of Africa’s most vibrant economies — but it’s also one where political tension and unrest can erupt without warning.
From election seasons to terror-related incidents, small businesses are often the silent victims — shops vandalized, warehouses looted, vehicles torched, or offices destroyed.
If that thought gives you chills, breathe easy — there’s a cover for that.
What Is Political Violence and Terrorism (PV&T) Insurance?
It’s an extension of your property or fire insurance that protects your assets against losses caused by:
- Riots and strikes
- Civil commotion
- Malicious damage
- Sabotage
- Terrorist attacks
- Insurrections or uprisings
In simple terms: if chaos hits, PV&T helps you rebuild without starting from zero.
Who Needs It?
Every Kenyan business — big or small.
If you operate in major towns, near highways, or high-traffic areas like CBD, industrial zones, or political hotspots — you need PV&T cover.
Shops, warehouses, factories, schools, hotels, matatu companies, SACCOs, fintechs — anyone with physical or movable assets should have this protection.
What Does It Cost?
PV&T is affordable and usually added as an optional rider on your existing fire or property policy.
You can get coverage starting from as little as KSh 5,000 per year — depending on your location and asset value.
Why It’s a Smart Move
- It ensures your assets, not emotions, absorb the damage.
- It gives lenders and clients confidence that your business can survive crisis.
- It helps you reopen faster, keeping jobs and contracts alive.
- It’s becoming a tender compliance requirement for high-risk industries.
The Imana Touch
When you insure with Imana Insurance Kenya Ltd, you get:
- Free risk assessment of your premises.
- Comparison of top PV&T quotes from multiple insurers.
- Fast digital processing and claim support.
- Advisory on combining PV&T with fire, burglary, and business interruption covers.
It’s not just about ticking boxes — it’s about future-proofing your vision.
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810
#BusinessInsuranceKenya #ImanaInsurance #PoliticalViolenceCover #TerrorismInsurance #SMEProtection #KenyaBusiness #RiskManagement #CompareBuySave