Blog Details
Diskava. Beta. Kava
13Oct
WIBA vs GPA in Kenya: What Every Employer Must Know
Running a business in Kenya means juggling more than just profits and deadlines — it’s also about protecting your people. Your employees are the engine that keeps your company moving, and when accidents or injuries happen at work, you want to be ready — legally and morally.
That’s where two critical covers come in: WIBA (Work Injury Benefits Act) and GPA (Group Personal Accident) insurance.
At Imana Insurance Agency Kenya Ltd, we get this question every week from HR managers and business owners:
“What’s the difference between WIBA and GPA — and do I need both?”
Let’s unpack that like pros.
⚖️ 1️⃣ WIBA (Work Injury Benefits Act Cover)
Legal, Mandatory, and All About Workplace Injuries
WIBA is a statutory insurance cover governed by the Work Injury Benefits Act (2007).
It protects employees against injuries, disabilities, or death that occur while on duty or during work-related tasks.
🏢 Who Needs WIBA?
Every employer in Kenya — whether corporate, SME, NGO, or SACCO — is legally required to have WIBA cover for their employees.
🧾 What WIBA Covers:
- Medical expenses due to workplace injury or accident
- Permanent disability benefits (percentage of salary)
- Temporary disability compensation
- Death benefits to dependents
- Funeral expenses
Example: If a construction worker slips on-site and fractures a leg, WIBA compensates for the medical bills and lost income during recovery.
⚠️ Key Point:
WIBA is limited to incidents occurring at work or during official duties.
If an employee gets injured on a weekend or personal errand — WIBA does not pay.
❤️ 2️⃣ GPA (Group Personal Accident Cover)
Voluntary, Comprehensive, and All About Extra Protection
While WIBA is legal, GPA is strategic.
It’s a voluntary insurance cover that extends protection to employees 24/7 — both on and off duty.
💼 What GPA Covers:
- Accidental injuries, whether on or off duty
- Permanent or temporary disability from any accident
- Accidental death benefit (lump-sum payment to family)
- Hospital cash benefits or medical reimbursements (depending on plan)
Example: If your staff member gets into a car accident over the weekend, GPA steps in even when WIBA won’t.
⚡ Why Employers Love GPA:
- Boosts staff morale and retention
- Shows you care beyond compliance
- Adds peace of mind — especially for executives and field teams
- Often required in corporate tenders or donor-funded projects
🧩 3️⃣ The Major Differences — WIBA vs GPA in a Nutshell
AspectWIBA CoverGPA CoverLegal Requirement | Mandatory under Kenyan law | Voluntary / Optional
Coverage Period | During work hours / duties only | 24 hours, worldwide
Cause of Injury | Work-related only | Any accident (work or personal)
Scope | Basic compensation | Comprehensive benefits
Who Needs It | All employers | Forward-thinking employers who care for staff welfare
Best For | Legal compliance | Added staff motivation & broader protection
🛡️ 4️⃣ Why Both Matter for Smart Employers
If you want full protection, combine both.
Here’s why:
- WIBA keeps you compliant with Kenyan law.
- GPA keeps you compassionate and competitive.
In case of a tragic accident, having both covers ensures your staff (or their families) receive the support they deserve — quickly, fairly, and completely.
🤝 5️⃣ How Imana Insurance Helps Employers
At Imana Insurance Agency Kenya Ltd, we help hundreds of Kenyan employers compare, buy, and manage their WIBA and GPA covers from top insurers like Britam, Jubilee, AAR, Sanlam, and CIC.
We tailor solutions for:
- SMEs with 5–50 employees
- Corporates with 100+ staff
- NGOs and County projects
- Construction & manufacturing companies
We don’t just sell policies — we walk with you through claims, renewals, and risk assessments.
📍 Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 www.imana.co.ke or www.mykava.co.ke
📞 Call / WhatsApp: 0796 209 402 | 0745 218 460 | 0113 806 810
🔑 6️⃣ Insurance Wisdom
“WIBA keeps your business legal.
GPA keeps your people loyal.”
A business that protects its people — protects its future.
Don’t gamble with workplace risk. Partner with Imana Insurance Agency Kenya Ltd today and get both WIBA + GPA covers tailored to your needs.
- WIBA insurance Kenya
- GPA insurance Kenya
- Difference between WIBA and GPA
- Work Injury Benefits Act cover
- Employee insurance Kenya
- Corporate insurance Kenya
- SME insurance Kenya
- Imana Insurance Agency Kenya