Business Insurance
Secure Your Foundation. Protect Your Livelihood.
Your business is your life’s work. At Bimacal Insurance Agency, we provide the essential safety nets that allow Kenyan businesses to operate with confidence, manage risk, and focus on growth. From legal requirements to project-specific covers, we ensure your enterprise is protected.
Our Core Business Insurance Solutions
1. WIBA (Work Injury Benefits Act) Insurance
Mandatory Protection for Your Team.
This is not just a policy—it’s the law. The Work Injury Benefits Act requires all employers in Kenya to have this cover. It provides compensation to employees for injuries, disabilities, or fatalities sustained in the course of work. More importantly, it protects you, the employer, from costly lawsuits and direct liability.
✔ Covers: Medical expenses, disability benefits, survivor benefits for employees.
✔ Ideal for: Every business with employees, from retail shops and offices to factories and farms.
2. Contractors All Risk (CAR) Insurance
Safeguard Your Construction Project.
Building comes with inherent risks. Our CAR insurance is designed specifically for construction sites. It covers loss or damage to the worksite, materials, machinery, and equipment from fire, theft, vandalism, or natural disasters. It also includes crucial Third-Party Liability cover for any injury or property damage your project may cause to the public.
✔ Covers: Construction materials, plant & equipment, third-party bodily injury & property damage.
✔ Ideal for: Contractors, developers, civil engineers, and anyone undertaking a building or renovation project.
3. Fire & Burglary Insurance (Commercial)
Defend Your Business Premises.
Your physical assets are vital. Our Fire & Burglary policy offers fundamental protection for your place of business. The Fire cover protects your building, stock, office contents, and machinery against damage from fire, explosion, or lightning. The Burglary cover protects against financial loss due to break-in and theft.
✔ Covers: Building structure, inventory, furniture, machinery, and cash (limits apply).
✔ Ideal for: Shop owners, manufacturers, wholesalers, hotels, and any business with a physical location.
4. Professional Indemnity Insurance
Protect Your Advice. Secure Your Reputation.
If your business sells expertise, you need this cover. It protects you against claims of negligence, errors, omissions, or breach of professional duty that cause financial loss to a client. It covers legal defence costs and any resulting damages, safeguarding your firm’s finances and hard-earned reputation.
✔ Covers: Legal fees, settlement costs, allegations of negligent advice or services.
✔ Ideal for: Consultants, architects, engineers, accountants, lawyers, doctors, IT firms, and marketing agencies.
Build a custom insurance package that fits your unique business risks.
📞 Contact Bimacal today for a business risk review and competitive quote.
Need help choosing? That’s what we’re here for.
Contact Bimacal today for a quick, clear quote.
📞 tel:+254 790 407341 | 📍Nairobi Kenya ✉️ info@bimacalinsurance.co.ke
Yes. The Work Injury Benefits Act (WIBA) is Kenyan law. If you employ even one person under a contract of service, you are required by law to have this insurance in place. It protects your employees and shields your business from direct, potentially crippling liability for workplace accidents.
A standard Fire & Burglary policy covers a fixed business premises. Contractors All Risk (CAR) is specifically for dynamic construction sites. It covers temporary structures, materials on-site, and equipment in use. Crucially, CAR also includes third-party liability for injuries or damage the construction project itself may cause to the public, which a standard property policy does not.
Any business or individual that provides professional advice, expertise, design, or consulting services needs it. This includes architects, engineers, lawyers, accountants, doctors, software developers, marketing agencies, and management consultants. If a client can sue you for financial loss caused by your advice or service, this cover is essential.