Property and fire
Protection for declared buildings, equipment, stock and contents against specified events such as fire or theft.
Risk protection for Kenyan businesses and professionals
Business Insurance in Kenya
Identify the risks that could interrupt your operations and build cover around your people, property and responsibilities.
Clear advice before you choose
Find cover that fits your needs
Every business faces a different combination of property, liability, employee, operational and digital risks. A suitable insurance programme starts with understanding how the business works—not simply buying a standard package.
Latron Insurance Agency works with businesses in Kenya to identify priority risks, compare available policies and coordinate cover. We explain limits, deductibles, warranties and exclusions so decision-makers can evaluate protection clearly.
Understanding your options
Business risks that insurance may address
The right combination depends on your activities, assets, contracts, employees and risk controls.
Business interruption
May support insured loss of income or additional operating costs after a covered property event.
Liability
Public, product or employer-related liability protection may respond to covered legal claims from third parties.
Professional indemnity
Helps protect professionals against covered claims alleging errors, omissions or negligence in their services.
Cyber insurance
Selected policies can address specified cyber incidents, response costs and liabilities, subject to security requirements.
Specialist covers
Marine cargo, contractors all risk, bonds, agriculture and other sector-specific policies may be relevant.
Personalised support
Insurance shaped around your operations
Small and medium businesses
Practical combinations of property, liability and interruption cover for growing operations.
Professionals and consultants
Protection for offices, equipment and professional responsibilities arising from client work.
Employers and contractors
Employee benefits, workplace-related protection and project-specific covers where appropriate.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Business activities, locations and number of employees
- 2Buildings, equipment, stock and other assets to protect
- 3Key suppliers, contracts and activities that could create liability
- 4Approximate turnover, payroll or project values where relevant
- 5Existing policies, previous claims and the main risks you want reviewed
Helpful answers
Frequently asked questions
What insurance does a small business need?+
It depends on the business. Common starting points include property, fire, theft, liability and business interruption cover. Contractual or statutory requirements may add other policies.
What is business interruption insurance?+
It may cover specified loss of income or additional operating expenses after an insured event interrupts normal operations. It usually works alongside relevant property insurance.
Do professional firms need professional indemnity?+
Firms providing advice, designs or specialist services can face claims alleging errors, omissions or negligence. Professional indemnity may help with covered defence costs and compensation.
How often should business insurance be reviewed?+
Review cover at least at renewal and whenever assets, turnover, staff, locations, contracts or activities change materially.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.