WIBA — Work Injury Benefit Act

The Work Injury Benefit Act (WIBA) is a statutory requirement for all employers in Kenya, mandating that every employee is covered against the financial consequences of work-related injury, disability, or death. As an employer, failing to maintain a valid WIBA policy exposes your business to significant legal liability and regulatory penalties. Our WIBA insurance ensures you are fully compliant with the Act while providing your employees with the compensation they are legally entitled to covering medical expenses, temporary and permanent disability payments, and death benefits payable to dependants.

We provide WIBA cover across all industries from office-based businesses and retail operations to high-risk sectors such as construction, manufacturing, agriculture, and logistics. Our underwriting team assesses the specific occupational risks of your workforce to calculate a fair and accurate premium based on the nature of the work and the total employee wage bill. Cover can be arranged for both permanent employees and casual or seasonal workers, ensuring every person on your payroll is protected from day one.