Protect Your People.
Secure Your WIBA Compliance in Minutes.
Workplace injuries are unpredictable. Employer liabilities are not. insurepap helps you educate your team and secure legally mandated WIBA cover instantly on WhatsApp.
Compliance Status
Work Injury Benefits Act (2007)
Mandatory Employer Cover
Personal Employer Liability
Without WIBA Cover
WhatsApp Quoting SLA
- Instant chatbot response
- Advisor quote within 30 minutes
- M-Pesa payment, instant cover note
All policies issued via insurepap conform strictly to the legal thresholds of the Work Injury Benefits Act, 2007 and are underwritten by authorized, fully regulated insurance providers.
Estimate Your WIBA Premium Instantly
Input your business details below to see a realistic estimate of your annual compliance cost. Premiums typically range from 0.5% to 1.5% of payroll.
Approximately per month.
Comprehensive WIBA Coverage Solutions
Under the Work Injury Benefits Act 2007, every Kenyan employer must insure employees against injuries, disease, or death arising in the course of employment. Here is what's fully covered.
Work-Related Injury
Protects your team against accidents on the job, covering:
- Accidental falls, machinery cuts, site collisions
- Full hospitalization and medical treatment costs
- Lost wages during temporary recovery periods
Occupational Diseases
Coverage for illnesses contracted directly due to work conditions, covering:
- Chemical exposure, inhalation, or toxicity illnesses
- Repetitive strain or long-term workspace disorders
- Medical checkups & prolonged treatment regimes
Disability & Death
Financial security for severe incidents resulting in permanent impairment or loss of life:
- Permanent disability compensation (based on scale)
- Dependants' financial support (96 months earnings)
- Funeral expenses coverage (up to legal minimums)
Dedicated Claims Support
We don't just sell policies — we advocate for your employees during critical claims processes:
- Lodging claims within the 14-day legal window
- Direct coordination with insurer panel on your behalf
- Zero paperwork — manage the claim via WhatsApp
Need 24/7 Protection Outside of Work?
WIBA only covers employees during work hours. You can bundle **GPA (Group Personal Accident)** cover to protect your employees 24/7, anywhere in Kenya. Bundling typically saves 5-10% of premiums.
Tailored WIBA Solutions for All Sectors
Whether you run a low-risk professional agency or a high-hazard manufacturing workshop, insurepap delivers compliance. We understand the unique risks of your sector.
Construction & Contractors
High Risk (1.5%)Covers casual labor, site engineers, and subcontractors against falls, structural accidents, and heavy equipment injuries.
Manufacturing & Processing
High Risk (1.5%)Protects factory floor operators and workshop staff against machinery entanglements, burns, and chemical inhalation.
Logistics & Distribution
High Risk (1.5%)Covers truck drivers, loaders, and warehousing staff against highway accidents and heavy lifting injuries.
Private Security Agencies
High Risk (1.5%)Ensures patrol guards and response teams are covered against transit hazards, night operations, and security incidents.
Hospitality & Restaurants
Medium Risk (0.8%)Covers chefs, waiters, and housekeepers against kitchen slips, burns, cuts, and manual handling injuries.
Healthcare Clinics & Labs
Medium Risk (0.8%)Covers medical practitioners and lab technicians against needle stick injuries, pathogens, and patient transfer strains.
Private Schools & Academies
Medium Risk (0.8%)Covers teachers, drivers, and maintenance crew against playground accidents and school bus transit injuries.
SMEs & Professional Services
Low Risk (0.5%)Covers office managers, sales teams, and consultants against ergonomic hazards and office building accidents.
WIBA Protection vs. Personal Liability
Many employers view insurance as a pure expense. For WIBA, compliance is a financial shield that protects your business from catastrophic liabilities.
Compliant: With WIBA Cover
- 🛡️ Zero Financial Liability:
The insurer covers 100% of employee hospital bills, temporary/permanent disability payouts, and funeral costs.
- 📋 Tender & Contract Ready:
Easily supply proof of WIBA compliance required to qualify for corporate tenders and government contracts.
- 🤝 Staff Trust & Welfare:
Demonstrates that you value safety and legal rights, improving retention and lowering union or legal disputes.
- 💸 Controlled, Fixed Cost:
Pay a predictable annual premium (typically 0.5% - 1.5% of payroll) rather than facing unplanned claims.
Result: Peace of mind to focus on scaling your business, knowing your workforce safety net is secure.
Uninsured: Without WIBA Cover
- ⚠️ Personal Financial Ruin:
You are legally obligated to pay all medical bills and up to 96 months' salary in compensation out of your own pocket.
- ⚖️ DOSHS Prosecution & Fines:
DOSHS inspectors can audit your premises, impose heavy administrative fines, or prosecute for legal violations.
- 🚫 Exclusion from Business Deals:
No serious corporate or government entity will sign contracts or award subcontracts to non-compliant businesses.
- 💥 Bankrupting Claims Risks:
A single severe accident or casualty on a construction site or logistics highway can completely bankrupt an SME.
Result: Continuous, unhedged business exposure where one accident could close your doors forever.
Get Covered in Under 30 Minutes
We have replaced slow traditional insurance brokers with a fast, conversational workflow. No queues, no paperwork, no delays.
Start on WhatsApp
Send "WIBA" to our business line. Our automated assistant responds instantly to start your compliance profiling.
Provide Quick Details
Share your approximate employee count, monthly payroll, and industry. No physical forms or office visits required.
Review Quote in Minutes
Our advisor sends a clean, transparent quote showing options from our rating underwriters matching your budget.
Pay and Get Covered
Confirm the quote, make payment via M-Pesa Paybill or Bank, and receive your digital cover note immediately on WhatsApp.
Trusted by Growing Kenyan Employers
See how we help businesses in construction, transport, retail, and hospitality meet their legal requirements and protect their teams with speed.
"We operated uninsured for two years simply because the traditional brokers sent us 10 pages of paper forms we never had time to fill. With insurepap, I sent our payroll on WhatsApp and got a Jubilee-backed policy issued in 25 minutes."
"After the 2023 Court of Appeal ruling, we knew we had to get WIBA cover for our drivers. insurepap estimated our premium instantly, set up a combined WIBA + GPA bundle, and saved us 10% on the spot. Seamless service."
"A cook slipped in our kitchen last December. Because we had our WIBA policy set up through insurepap, the hospital bill was fully handled by the insurer. No lawsuits, no out-of-pocket costs, and the claim was filed on WhatsApp in minutes."
Frequently Asked Questions
Learn more about your legal requirements, claims reporting, and how to protect your workforce.
Is WIBA really mandatory for my business in Kenya?
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Do I need WIBA cover for casual or temporary laborers?
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What is the difference between WIBA and Group Personal Accident (GPA) cover?
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How are WIBA insurance premiums calculated?
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Can I pay my WIBA premium in monthly instalments?
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How long does a work injury claim take to be settled?
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How do I switch my existing WIBA policy to insurepap?
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Still have questions about WIBA compliance?
Read our comprehensive, 2,500-word WIBA 101 guide for deep compliance details.
Request a Custom WIBA Quote
Fill out this simple form to initiate your compliance check. Our licensing specialists will calculate the lowest underwriter premium options for your company.
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