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WIBA Insurance in Kenya – Work Injury Benefits Act, Cover, Cost, Benefits & Claims Guide 2026/2027
WIBA insurance in Kenya protects employers against liabilities arising from work-related injuries, occupational diseases, and employee deaths occurring in the course of employment. The Work Injury Benefits Act, 2007 (WIBA) requires employers to obtain and maintain insurance against liabilities they may incur under the Act, subject to the statutory framework.
At Oakman Insurance Agency, we help Kenyan employers arrange WIBA insurance for employees, businesses, contractors, SMEs, factories, construction companies, logistics businesses, retail businesses, hospitality establishments, professional firms, and other organizations.
Need a WIBA quotation?
Send us: Number of employees; employee occupations/duties; estimated annual payroll or wage bill; nature of your business; and location of your operations. We will help you obtain a quotation from an appropriate licensed insurance underwriter.
What Is WIBA Insurance?
Statutory FrameworkWIBA insurance (Work Injury Benefits Act Insurance) is commercial cover designed to protect an employer against statutory liabilities arising under the Work Injury Benefits Act, 2007 (WIBA) when an employee suffers a work-related injury, contracts an occupational disease, or passes away in the course of employment.
The Act establishes a comprehensive legal framework for employee compensation in Kenya. Beyond insurance obligations, the legislation places strict administrative duties on employers concerning record-keeping, workplace accident reporting, emergency medical aid provision, and compensation disbursements.
Work Injury Protection
Covers bodily injuries sustained by employees during working hours, traveling on official duties, or performing authorized tasks.
Occupational Diseases
Addresses illnesses and medical conditions directly contracted as a result of exposure to workplace hazards or environment risks.
Compliance & Reporting
Fulfills statutory mandates requiring employers to maintain active accident registers, wage records, and formal reporting procedures.
Practical Financial Risk Transfer:
In practical terms, WIBA insurance transfers the heavy financial burden of employee compensation, medical expenses, and legal liabilities from the employer's balance sheet to the underwriter, subject to policy terms, limits, exclusions, and statutory regulations. Oakman Insurance Agency helps employers structure compliant policies tailored to their workforce size and risk exposure.
What Does the Work Injury Benefits Act, 2007 Cover?
Statutory ScopeUnder the statutory provisions of Kenya's Work Injury Benefits Act, 2007 (WIBA), employers incur liability for specific employee contingencies occurring in the course of service. A compliant WIBA policy provides financial response across the following core areas:
Work-Related Accidents
Sudden, unforeseen traumatic events occurring within the scope and course of employment duties.
Occupational Injuries
Physical harm, bodily trauma, or internal damage directly suffered while carrying out work assignments.
Occupational Diseases
Illnesses and medical conditions directly contracted from exposure to workplace hazards, chemicals, or conditions.
Temporary Disablement
Wage replacement and benefit payments for employees temporarily rendered unable to work due to injury.
Permanent Disablement
Lump-sum statutory compensation calculated for permanent partial or total loss of earning capacity.
Occupational Death Benefit
Financial protection for fatalities resulting directly from covered workplace accidents or occupational diseases.
Medical Aid & Treatment
Payment of reasonable hospitalisation, surgical, pharmaceutical, and emergency medical assistance costs.
Dependants' Compensation
Statutory compensation paid to verified surviving dependants following an employee's work-related death.
Statutory Definition of an Accident:
The Act defines an accident as an accident arising out of and in the course and scope of an employee's employment and resulting in personal injury. It also formally recognizes scheduled occupational diseases contracted due to employment conditions. Oakman Insurance Agency ensures your WIBA policy strictly matches these legal definitions.
Is WIBA Insurance Mandatory in Kenya?
Statutory RequirementYes, WIBA insurance is strictly mandatory for all employers in Kenya. Under Kenyan law, providing Work Injury Benefits Act cover is a compulsory legal requirement rather than a discretionary commercial choice.
Section 7 Statutory Mandate (WIBA 2007)
Section 7 of the Work Injury Benefits Act provides that every employer shall obtain and maintain an insurance policy with an approved insurer in respect of liability the employer may incur under the Act to employees, subject to the statutory framework.
Statutory Non-Compliance Penalties
An employer who contravenes the insurance requirement commits an offence under the Act. Failure to maintain compliant WIBA cover exposes the company, directors, and management to statutory legal prosecution, heavy financial fines, and unmitigated personal liability for employee compensation claims.
Workplace Risk Responsibility
WIBA should not be viewed simply as another optional business insurance product. It is a fundamental pillar of an employer's statutory workplace risk management and corporate compliance responsibilities.
Approved Underwriter Requirement
The policy must be arranged through an IRA-registered and statutory-approved insurance underwriter to ensure full legal validity during labor inspections or claims audits.
Who Needs WIBA Insurance in Kenya?
Mandatory Statutory CoverUnder Section 7 of the Work Injury Benefits Act (2007), every employer in Kenya operating a business that hires staff—whether permanent, contractual, or declared casual workers—is legally required to obtain and maintain valid WIBA insurance cover.
SMEs & Corporate Offices
Factories & Manufacturers
Construction Contractors
Schools & Institutions
Retail Outlets & Shops
Hotels & Restaurants
Who Needs WIBA Insurance in Kenya?
Employer ApplicabilityUnder Kenyan labor laws, any organization or business operating in Kenya that employs staff—whether on permanent, contract, casual, or seasonal terms—is legally mandated to maintain compliant WIBA cover. Businesses commonly arranging WIBA insurance include:
Small & Medium-Sized Businesses (SMEs)
Construction & Engineering
Manufacturing & Industrial
Transport & Logistics
Hospitality & Retail
Institutions & Professional Services
Full Workforce Inclusion Requirement:
Whether your business operates in Nairobi, Mombasa, Kisumu, Nakuru, Eldoret, or upcountry, WIBA statutory provisions apply to your entire workforce. Oakman Insurance Agency assists employers across all sectors to ensure all employee duty categories are accurately declared for complete legal protection.
WIBA Coverage for Casual & Contract Workers in Kenya
Employment Legal ScopeNavigating employer obligations for non-permanent staff requires careful examination of the Work Injury Benefits Act definitions. Employers must properly classify casuals, temporary staff, and independent contractors to avoid severe legal exposure in the event of workplace accidents.
Does WIBA Cover Casual Workers?
This question requires care under Kenyan law. The Act defines an employee as a person employed for wages or salary under a contract of service—expressly stating this applies whether the contract is oral or written and whether remuneration is calculated by time or work performed.
However, the Act contains a specific statutory exclusion concerning a person whose employment is of a casual nature and who is employed otherwise than for the purposes of the employer's trade or business.
Key Takeaway: Employers should not assume that simply calling someone a "casual worker" automatically removes WIBA obligations. If the worker performs duties central to your commercial operations, statutory liabilities apply.
Does WIBA Cover Contract Workers?
The answer depends entirely on the actual employment and contracting arrangement. Determining liability requires evaluating:
- Who directly employs the worker?
- Who disburses wages & payroll?
- Who exercises day-to-day work control?
- Where is the worker operating?
- What do the contract indemnity clauses specify?
- Which entity retains statutory WIBA responsibility?
- What cover does the principal contractor mandate?
Full Underwriting Disclosure Mandate:
If your business employs casual, temporary, seasonal, or project-based workers in Kenya, full disclosure is mandatory when requesting a WIBA quotation. Underwriters must accurately evaluate wage schedules and duty categories to ensure valid claim settlement.
Integrated Construction & Project Risk Management:
For main contractors and sub-contractors, establishing respective employee and insurance responsibilities before site mobilization is essential. For construction and civil engineering projects, WIBA insurance must be structured alongside Contractors All Risks (CAR) Insurance, Public Liability Insurance, and mandatory performance or advance payment bonds. Oakman Insurance Agency structures multi-cover project packages for comprehensive compliance.
What Does WIBA Insurance Cover?
Statutory Benefit ScheduleThe exact insurance benefits and sub-limits depend on specific policy wording and the selected insurer. However, the underlying statutory WIBA framework mandates five core areas of employee compensation for work injuries, occupational illnesses, disablement, death, and medical care in Kenya:
1. Temporary Disablement
An employee who suffers temporary total disablement as a result of a workplace accident is entitled to periodic income replacement payments based on their earnings, subject to statutory provisions and applicable limits.
2. Permanent Disablement
The Act provides that compensation for permanent disablement is calculated on the basis of 96 months' earnings, subject to statutory minimum and maximum limits, adjusted according to the assessed percentage degree of permanent disablement.
3. Occupational Death Benefit
Where an employee dies as a result of an occupational accident or covered disease, lump-sum compensation is payable to verified eligible dependants in accordance with the Act and statutory schedule limits.
4. Occupational Diseases
WIBA is not restricted to sudden physical accidents. The Act provides full compensation where an employee contracts a recognized occupational disease arising directly out of and in the course of employment.
5. Comprehensive Medical Aid
The policy pays for medical treatment expenses incurred following an occupational accident, covering hospital fees, surgical costs, consultations, prescription medicines, nursing, and specialized appliances.
Included Medical & Rehabilitation Expenses
Under Section 45 of the Act, medical aid covers relevant medical, surgical, and hospital treatment, skilled nursing care, essential medicines and dressings, approved travel/transport expenses for treatment, and specified artificial limbs, crutches, or prosthetic appliances required following a covered work injury. Oakman Insurance Agency structures policies to ensure these medical limits adequately protect your workforce.
WIBA Benefits Explained – Policy Comparison Guide
Underwriting AnalysisWhen evaluating WIBA policies in Kenya, the most vital distinction for employers is understanding the difference between the minimum statutory benefits mandated by the Work Injury Benefits Act, 2007 and the additional policy limits, sub-limits, or enhanced extensions provided by a specific insurance underwriter.
Statutory Minimums vs. Underwriter Enhancements
Different insurers structure their WIBA products differently across the Kenyan market. Therefore, employers should never compare WIBA quotations based on premium cost alone. A lower premium may hide severe sub-limits, restrictive exclusions, or inadequate medical expense caps that leave your business legally exposed during a claim.
Compensation Limits
Overall statutory disability and death compensation caps across salary tiers.
Medical Expense Limits
Sub-limits for hospitalisation, surgery, emergency travel, and prosthetics.
Temporary Disablement
Duration and percentage terms for wage replacement during recovery periods.
Funeral Expenses Cover
Lump-sum burial benefit allowances following an occupational fatality.
Policy Extensions
Optional endorsements like 24-hour non-occupational cover or Group Personal Accident (GPA).
Per-Person Limits
Maximum benefit payouts allowable for any single injured employee.
Per-Event Limits
Maximum insurer payout for a single catastrophic workplace incident.
Annual Aggregate Limits
Total cumulative claim payouts capped by the underwriter per policy year.
Occupation Classifications
Risk rating applied to clerical, supervisory, artisan, and manual duty roles.
Claims Procedures
Turnaround timelines, DOSH Form LD 104 requirements, and documentation rules.
Policy Exclusions
Specific uninsured events such as self-inflicted injuries or willful misconduct.
Underwriting Warranties
Mandatory safety requirements, PPE usage, and workplace risk assessment conditions.
Oakman Quotation Advisory:
Comparing WIBA proposals purely on pricing can leave critical gaps in coverage. At Oakman Insurance Agency, we analyze quotes across leading IRA-licensed underwriters in Kenya to ensure your policy strikes the right balance between premium economy and complete statutory protection.
How Much Does WIBA Insurance Cost in Kenya?
Premium DeterminantsThere is no single fixed WIBA price that applies to every business in Kenya. Underwriters calculate WIBA premiums based on specialized risk rating factors, primarily reflecting employee job hazards and total declared annual earnings.
Number of Employees
Total headcount across permanent, contract, and declared casual staff.
Annual Wage Bill / Payroll
Declared total annual gross salaries, wages, and staff allowances.
Employee Occupations & Duties
Risk split between low-risk administrative roles and high-risk manual labor.
Nature of Business & Risk Level
Industry category exposure—such as office environments vs. active construction sites.
Location & Operational Scope
Geographic footprint, field travel requirements, and site hazard exposure.
Policy Limits & Extensions
Enhanced medical sub-limits, 24-hour GPA extensions, and funeral benefit add-ons.
Claims History & Experience
Past workplace accident record and safety management performance.
Underwriting Rating Scale
Specific premium rate percentages applied per occupational category by the underwriter.
Occupational Risk Comparison Example
Underwriters explicitly adjust premiums according to employee duties and annual wage bills. This means a 5-person corporate office and a 5-person construction firm with the exact same payroll will pay significantly different WIBA premiums due to the contrast in workplace physical hazards. Oakman Insurance Agency negotiates precise occupational splits to ensure you only pay rates corresponding to actual job risks.
How Is WIBA Premium Calculated?
Rating FrameworkA WIBA quotation in Kenya begins with the employer's workforce and payroll structure. Underwriters apply specific rating percentages based on employee job hazards against the declared gross annual earnings.
Core Rating Variables
Number of Employees
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Occupations & Duties
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Annual Wage Bill
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Business Activity
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Risk Profile
Example 1 – Small Office
- Headcount: 10 Employees
- Duties: Administrative / Office
- Annual Wage Bill: KES 3,600,000
The insurer evaluates low physical exposure in office environments, applying minimal occupational rate percentages against the wage bill.
Example 2 – Retail Business
- Headcount: 10 Employees
- Duties: Attendants, Loaders, Supervisors
- Annual Wage Bill: KES 3,000,000
The risk profile combines shop attendants with manual loaders, creating a distinct underwriting risk rating separate from pure office work.
Example 3 – Construction Company
- Headcount: 10 Employees
- Duties: Site Workers, Artisans, Supervisors
- Annual Wage Bill: KES 4,200,000
Construction site work carries materially higher occupational risks, resulting in higher underwriter rating factors to match the operational hazard exposure.
Illustrative Benchmark Notice:
The figures above are illustrative scenario examples to demonstrate rating mechanics and do not represent fixed market rates. For an accurate, customized WIBA quotation, send Oakman Insurance Agency your exact employee numbers, duty classifications, and annual payroll details.
What Information Do I Need to Get a WIBA Quote?
Underwriting ChecklistTo obtain an accurate, compliant WIBA insurance quotation in Kenya from a licensed underwriter, employers need to assemble key workforce, operational, and wage bill details. Having these 10 core items ready ensures fast processing and accurate risk rating:
1
Business Name
Official legal or registered trading name of your business or entity.
2
Nature of Business
Primary commercial activity, operational scope, and industry category.
3
Number of Employees
Total headcount across permanent, contract, and declared casual staff.
4
Employee Occupations
Specific job descriptions and duties split by clerical, supervisory, and manual roles.
5
Estimated Annual Wage Bill
Total gross annual salaries, wages, and taxable allowances declared for staff.
6
Monthly Payroll
Recent monthly payroll statements or wage schedules (where available).
7
Business Location
Physical site addresses, office locations, or project site details across Kenya.
8
Existing WIBA Policy
Current policy details and expiry dates (if transferring or renewing cover).
9
Previous Claims History
Historical workplace accident and injury claims data (where requested by underwriters).
10
Commencement Date
Desired policy effective date for cover activation and statutory compliance.
Large Workforce & Enterprise Requirements
For larger enterprises, manufacturing plants, construction firms, and multi-branch companies, underwriters may request structured employee duty schedules or detailed monthly wage breakdowns. Oakman Insurance Agency simplifies this data submission process and secures competitive quotes on your behalf.
WIBA Insurance for Construction Companies in Kenya
High-Risk SectorConstruction and civil engineering represent areas where workplace injury exposure is exceptionally significant. Operating across building sites in Kenya requires rigorous hazard mitigation and complete statutory compliance against on-site accidents.
Heavy machinery & plant
Power tools & equipment
Electrical installation hazards
Scaffolding & staging works
Excavation & trenching
Cement & heavy materials
Height-related fall risks
Moving site vehicles & trucks
Manual material handling
Congested site traffic
Because of these operational exposures, a construction company should never view WIBA in isolation. It must be integrated as a foundational pillar within a broader, comprehensive construction risk-management and insurance programme.
Contractors All Risks (CAR)
Protects against specified physical loss or damage to the permanent works, temporary structures, construction materials, and related project property on site, subject to policy wording.
Public Liability Insurance
Addresses legal liability arising from accidental bodily injury to third parties or accidental damage to neighboring property during construction operations, subject to policy terms.
WIBA Insurance
Fulfills statutory mandates under Section 7 by addressing employer liabilities arising from covered employee work injuries, occupational diseases, and fatalities on site.
Contract & Surety Bonds
Depending on contract specifications, these include Bid/Tender Bonds, Performance Bonds, Advance Payment Bonds, and Retention Bonds required by project developers.
Important Policy Clarification
WIBA does not replace Contractors All Risks or Public Liability Insurance. Each policy serves a distinct legal purpose—protecting workers, project materials, and third parties respectively. Oakman Insurance Agency packages these vital construction covers together for seamless project tender compliance.
WIBA Insurance for SMEs in Kenya
SME Risk ProtectionFor small and medium-sized enterprises (SMEs) in Kenya, a single severe workplace accident can result in devastating financial liabilities. Without insurance, an SME may be forced to pay up to 96 months' salary for permanent disablement or fatal incidents out of cash reserves, severely threatening business continuity.
Protecting SME Cash Reserves & Statutory Liability
WIBA insurance acts as an indispensable financial shield for small business owners. It transfers statutory medical costs, disablement compensation, and legal exposure from your working capital to an approved underwriter. Oakman Insurance Agency structures budget-friendly WIBA covers specifically tailored to growing Kenyan businesses.
A small business should arrange statutory WIBA insurance when employing staff across any of the following operational roles:
Shop attendants
Company drivers
Cleaners & support staff
Cooks & kitchen staff
Waiters & service staff
Office administrative staff
Sales representatives
Technicians & mechanics
Warehouse staff & loaders
Security personnel
General manual workers
WIBA Insurance for Factories and Manufacturing Companies
Industrial Plant SafetyManufacturing plants, processing facilities, and industrial operations in Kenya involve heavy machinery, active production lines, and continuous workforce interaction. Managing statutory employee liabilities in this sector requires thorough risk disclosure and comprehensive insurance packaging.
Heavy industrial machinery
High-speed production lines
High temperatures & heat exposure
Industrial chemicals & solvents
Manual material handling
Forklifts & material movers
Industrial noise & vibration
Plant maintenance operations
Warehouse & storage activities
Packaging & assembly lines
High-voltage electrical equipment
Precise Workforce & Payroll Disclosure
A manufacturing employer should provide accurate employee occupation splits and payroll information when arranging WIBA. Distinguishing between administrative staff, floor supervisors, and machine operators ensures correct risk rating and prevents claim disputes. Oakman Insurance Agency helps industrial clients verify payroll schedules for seamless underwriting.
Beyond statutory employee WIBA cover, manufacturing enterprises should consider protecting their physical assets by integrating WIBA alongside a broader industrial insurance programme:
Fire & Perils Insurance
Protects factory buildings, plant machinery, raw materials, and finished goods against damage caused by fire, lightning, explosion, and allied perils.
Burglary & Theft Insurance
Secures warehouse inventories, expensive production stock, and business equipment against forced entry, theft, and malicious damage.
Machinery Breakdown & Engineering
Covers sudden, unforeseen physical damage, electrical burnout, or mechanical failure of heavy industrial boilers, generators, and production machinery.
Public Liability Insurance
Covers third-party legal liabilities arising from factory operations, visitor injuries, or damage to neighboring property.
WIBA Insurance for SMEs in Kenya
SME Risk ProtectionFor small and medium-sized enterprises (SMEs) in Kenya, a single severe workplace accident can result in devastating financial liabilities. Without insurance, an SME may be forced to pay up to 96 months' salary for permanent disablement or fatal incidents out of cash reserves, severely threatening business continuity.
Protecting SME Cash Reserves & Statutory Liability
WIBA insurance acts as an indispensable financial shield for small business owners. It transfers statutory medical costs, disablement compensation, and legal exposure from your working capital to an approved underwriter. Oakman Insurance Agency structures budget-friendly WIBA covers specifically tailored to growing Kenyan businesses.
A small business should arrange statutory WIBA insurance when employing staff across any of the following operational roles:
Shop attendants
Company drivers
Cleaners & support staff
Cooks & kitchen staff
Waiters & service staff
Office administrative staff
Sales representatives
Technicians & mechanics
Warehouse staff & loaders
Security personnel
General manual workers
WIBA Insurance for SMEs in Kenya
SME Risk ProtectionFor small and medium-sized enterprises (SMEs) in Kenya, a single severe workplace accident can result in devastating financial liabilities. Without insurance, an SME may be forced to pay up to 96 months' salary for permanent disablement or fatal incidents out of cash reserves, severely threatening business continuity.
Protecting SME Cash Reserves & Statutory Liability
WIBA insurance acts as an indispensable financial shield for small business owners. It transfers statutory medical costs, disablement compensation, and legal exposure from your working capital to an approved underwriter. Oakman Insurance Agency structures budget-friendly WIBA covers specifically tailored to growing Kenyan businesses.
A small business should arrange statutory WIBA insurance when employing staff across any of the following operational roles:
Shop attendants
Company drivers
Cleaners & support staff
Cooks & kitchen staff
Waiters & service staff
Office administrative staff
Sales representatives
Technicians & mechanics
Warehouse staff & loaders
Security personnel
General manual workers
WIBA Insurance for Factories and Manufacturing Companies
Industrial Plant SafetyManufacturing plants, processing facilities, and industrial operations in Kenya involve heavy machinery, active production lines, and continuous workforce interaction. Managing statutory employee liabilities in this sector requires thorough risk disclosure and comprehensive insurance packaging.
Heavy industrial machinery
High-speed production lines
High temperatures & heat exposure
Industrial chemicals & solvents
Manual material handling
Forklifts & material movers
Industrial noise & vibration
Plant maintenance operations
Warehouse & storage activities
Packaging & assembly lines
High-voltage electrical equipment
Precise Workforce & Payroll Disclosure
A manufacturing employer should provide accurate employee occupation splits and payroll information when arranging WIBA. Distinguishing between administrative staff, floor supervisors, and machine operators ensures correct risk rating and prevents claim disputes. Oakman Insurance Agency helps industrial clients verify payroll schedules for seamless underwriting.
Beyond statutory employee WIBA cover, manufacturing enterprises should consider protecting their physical assets by integrating WIBA alongside a broader industrial insurance programme:
Fire & Perils Insurance
Protects factory buildings, plant machinery, raw materials, and finished goods against damage caused by fire, lightning, explosion, and allied perils.
Burglary & Theft Insurance
Secures warehouse inventories, expensive production stock, and business equipment against forced entry, theft, and malicious damage.
Machinery Breakdown & Engineering
Covers sudden, unforeseen physical damage, electrical burnout, or mechanical failure of heavy industrial boilers, generators, and production machinery.
Public Liability Insurance
Covers third-party legal liabilities arising from factory operations, visitor injuries, or damage to neighboring property.
WIBA Insurance for Logistics and Transport Companies
Transport & Fleet ExposureLogistics, freight forwarding, courier, and fleet transport companies in Kenya operate in high-mobility environments. From long-haul transit risks across Kenyan highways to heavy manual lifting inside distribution hubs, managing statutory employee liabilities requires specialized duty disclosures.
Transport operations should ensure WIBA cover encompasses all operational and transit duty roles, including:
Long-haul & local drivers
Turnboys & vehicle assistants
Warehouse & depot workers
Cargo loaders & offloaders
Dispatch & controller staff
Fleet mechanics & technicians
Yard & shift supervisors
Rider & courier delivery staff
Underwriting Mandate: Actual Operational Duties
An employer must ensure that the insurer thoroughly understands the actual operational duties performed by employees. Misclassifying long-distance truck drivers or turnboys as general office staff leads to severe underinsurance penalties or total claim repudiation during road traffic accidents. Oakman Insurance Agency verifies duty categories to protect transport operators.
Where employees operate commercial trucks, delivery vans, or motorcycles as part of their employment, WIBA must be structured alongside appropriate commercial vehicle and cargo protection:
Commercial Motor Fleet Insurance
Covers physical accidental damage, rollover, fire, and theft involving commercial trucks, pickups, vans, and delivery motorcycles, alongside third-party property damage and bodily injury liability.
Goods In Transit (GIT) Insurance
Protects client freight, merchandise, and cargo being transported against loss, damage, or theft caused by road accidents, overturning, fire, or hijacking while in transit across East Africa.
WIBA Insurance for Hotels and Restaurants in Kenya
Hospitality Sector ComplianceHotels, restaurants, lodges, bars, and catering establishments in Kenya manage dynamic service environments involving kitchens, guest rooms, and active dining areas. Maintaining statutory WIBA cover ensures your entire hospitality team is protected against unexpected work injury liabilities.
Hospitality operations should ensure their WIBA policy accurately accounts for all operational duty roles across the establishment:
Executive chefs & head chefs
Line cooks & prep staff
Waiters & front-of-house staff
Housekeeping & room attendants
Kitchen assistants & stewards
Security guards & personnel
Maintenance & facility staff
Company drivers & couriers
Gardeners & grounds crew
Laundry & linen staff
Common Hospitality Workplace Hazards
Underwriters evaluate specific physical risks when rating hospitality and restaurant policies. Typical on-site hazards include burns from hot surfaces, cuts from sharp kitchen equipment, slips on wet dining or kitchen floors, strains from manual handling of heavy supplies, and accidents involving commercial food preparation machinery. Oakman Insurance Agency helps hotels and restaurants structure policies that account for these operational risks.
WIBA Insurance for Schools and Educational Institutions
Educational Sector ComplianceSchools, colleges, kindergartens, and educational institutions in Kenya operate active multi-functional compounds encompassing classrooms, laboratories, boarding facilities, sports fields, and transport fleets. Maintaining statutory WIBA cover is legally required for all school employees.
Educational institutions should ensure their WIBA policy covers the diverse range of personnel engaged in daily school operations:
Teachers & tutors
Administrative & bursar staff
School bus & van drivers
Kitchen cooks & caterers
Cleaners & sanitary staff
Grounds & gardening crew
Security guards & personnel
Maintenance & artisan workers
Comprehensive School Risk Programme
While WIBA fulfills statutory employer liability for injured staff, schools manage broad institutional exposures involving students, visitors, and school property. A school should consider WIBA alongside other appropriate insurance covers to ensure complete institutional protection. Oakman Insurance Agency structures bundled school insurance packages across Kenya.
Public Liability Insurance
Protects the school against legal liability for accidental bodily injury to students or visitors, and third-party property damage occurring on school premises or during school-sanctioned trips.
Property & Fire Insurance
Covers school buildings, tuition blocks, dormitories, laboratories, dining halls, and teaching equipment against fire, lightning, explosion, storms, and accidental structural damage.
School Bus & Motor Insurance
Provides comprehensive motor vehicle and passenger liability protection for school buses, vans, and administrative vehicles transporting students and staff.
Specialist Educational Covers
Includes All Risks cover for portable science apparatus and musical instruments, student personal accident insurance, and fidelity guarantee for financial administration.
WIBA Certificate in Kenya – Statutory Proof of Cover
Compliance & TenderingA WIBA Certificate is the official legal document issued by an insurer as statutory evidence that an employer has arranged compliant Work Injury Benefits Act insurance for their workforce. In Kenya, possessing a valid certificate is often a prerequisite for business operations, commercial contracts, and formal tenders.
Businesses across all sectors are routinely required to present official WIBA insurance documentation to:
Corporate Clients & Partners
Main & Principal Contractors
Government & County Entities
Procurement Departments
Project Developers & Owners
Public & Private Tendering Authorities
When arranging your policy, carefully inspect the certificate and underlying schedule to confirm that all operational details are accurately stated:
Insured Name
Must exactly match your registered company or business trading name.
Business Activity
Correctly describes your actual commercial operations and industry hazards.
Policy Period
Clearly specifies effective start and expiry dates for full cover continuity.
Workforce Schedule
Accurately reflects declared headcounts, duty categories, and payroll totals.
Licensed Insurer
Confirms issuance by an IRA-registered insurance underwriter in Kenya.
Unique Policy Number
Valid reference code required for audit trailing and claim processing.
Statutory Benefit Limits
Displays applicable medical caps, disablement terms, and policy extensions.
Need an Immediate WIBA Certificate for a Tender or Site Mobilization?
Errors on your WIBA certificate can cause tender disqualification or delays in site access. Oakman Insurance Agency provides fast-track policy placement and fast digital certificate issuance from top-rated Kenyan underwriters to keep your projects moving without delay.
What Happens If Your Employee Is Injured at Work?
Employer Response ProtocolWhen a workplace accident occurs, swift and methodical execution of statutory obligations is vital to protect the employee's health and maintain compliance under the Work Injury Benefits Act (WIBA) in Kenya.
1
Report Accident Internally
The injured employee or supervisor must immediately log the incident details within the company accident book.
2
Provide First Aid & Medical Treatment
Administer immediate on-site first aid and transfer the employee to a recognized medical facility for emergency care.
3
Arrange Necessary Transportation
Fulfill statutory transport obligations under Section 45 by facilitating medical transfer to and from the hospital.
4
Notify Oakman / Insurer
Notify Oakman Insurance Agency immediately to initiate the official claims file with the underwriter.
5
Report Accident to DOSHS
Submit formal statutory notifications to the Directorate of Occupational Safety and Health Services using Form DOSH 1.
6
Preserve Incident Evidence
Retain medical reports, witness statements, scene photos, wage sheets, and relevant police abstracts for claim auditing.
7
Cooperate with Formal Investigations
Fully assist DOSHS officers and underwriter risk assessors during site inquiries into accident circumstances.
Mandatory WIBA & DOSHS Reporting Deadlines in Kenya
Under statutory DOSHS guidelines and the Work Injury Benefits Act, employers must observe strict reporting windows following workplace incidents:
Fatal Accidents: Within 24 Hours
Report immediately to the relevant DOSHS County Office and local police station.
Non-Fatal Injuries: Within 7 Days
Submit Form DOSH 1 to the Director of Occupational Safety and Health Services after receiving injury notice.
How Does a WIBA Claim Work?
End-to-End Claim ProcessNavigating a WIBA claim involves a 10-stage statutory process from accident occurrence to final underwriter settlement:
1
Workplace Incident Occurs
Employee suffers an injury or contracts a covered occupational disease.
2
Immediate Medical Care
Employee receives treatment and formal medical reporting begins.
3
Employer Internal Notification
Accident details recorded in corporate register and broker alerted.
4
DOSHS Statutory Submission
Form DOSH 1 lodged with the County Occupational Health Director.
5
DOSHS Inquiry & Investigation
Safety officers review workplace circumstances and hazard factors.
6
Disability Medical Assessment
Medical board assesses degree of permanent or temporary disablement.
7
Document Submission
Wage sheets, medical receipts, and official reports submitted to insurer.
8
Statutory Award Assessment
Compensation computed based on 96 months' salary schedules or medical sub-limits.
9
Insurer File Evaluation
Underwriter verifies policy terms, wage declarations, and DOSHS awards.
10
Claim Disbursement
Insurer settles statutory compensation award and medical reimbursements.
How Long Do You Have to Make a WIBA Claim?
The Act stipulates that formal claims for compensation must be lodged within 12 months from the date of the accident, or within 12 months after the date of death in fatal cases. However, employers should never delay reporting—prompt notification ensures smooth claim processing and prevents statutory non-compliance penalties.
Required WIBA Claim Documentation Checklist
Underwriting VerificationTo ensure rapid processing and settlement of WIBA compensation claims, employers must assemble complete supporting documentation:
Valid WIBA policy certificate
Completed Form DOSH 1 report
Employee National ID copy
Employment contract or letter
3-month payroll & wage records
Initial medical treatment reports
Hospital discharge summaries
Itemized medical bills & invoices
Payment receipts for medical fees
Witness statements & records
Internal accident investigation notes
Police abstract (road traffic incidents)
Official death certificate (fatal claims)
Proof of dependency (fatal claims)
What Is the Role of DOSHS in WIBA Claims?
Regulatory & Claims ManagementThe Directorate of Occupational Safety and Health Services (DOSHS) is the principal government body responsible for enforcing occupational safety standards, investigating workplace incidents, and assessing WIBA compensation awards in Kenya.
Role of DOSHS (Government Authority)
DOSHS handles statutory accident investigations, safety compliance audits, medical assessment evaluations, and formal compensation award determinations under the Work Injury Benefits Act.
Role of Oakman Insurance Agency (Your Adviser)
Oakman acts as your dedicated broker—assisting you in arranging compliant policies, negotiating underwriter terms, submitting required documentation, and guiding your business through the claim process.
Comparing WIBA with Complementary Insurance Covers
Integrated Risk ManagementUnderstanding how WIBA interacts with other employee and liability insurance products is essential for building a well-rounded corporate risk management strategy:
WIBA (Statutory Cover)
Covers employer legal liabilities arising strictly from work-related injuries and occupational diseases within the statutory WIBA framework.
Group Personal Accident (GPA)
A contractual insurance product offering agreed benefits for accidental injuries, often extended 24/7 beyond strictly occupational scope.
Public Liability Insurance
Protects against third-party claims for accidental bodily injury or property damage connected with business operations.
Group Life Assurance (GLA)
Provides life insurance benefit payouts to named beneficiaries upon an employee’s death from any cause (natural or accidental).
WIBA vs Public Liability Operational Distinctions:
If an employee slips and breaks a bone while performing duties on your premises, WIBA applies. Conversely, if a customer or visitor enters your shop or office, slips on a wet floor, and sustains an injury, Public Liability Insurance applies. A complete commercial insurance portfolio frequently includes WIBA, GPA, Public Liability, and Group Life to address distinct exposure risks.
WIBA Coverage Across Specific Operational Scenarios
Underwriting Scope & TermsDoes WIBA Cover Accidents Outside Working Hours?
Standard WIBA is strictly linked to occupational duties and work-related hazards within the scope of the Act. It does not automatically serve as a 24-hour personal accident policy. Employers seeking round-the-clock protection should endorse their policy with a 24-hour Group Personal Accident (GPA) extension.
Does WIBA Cover Travel During Employment?
Yes, provided the travel arises out of and in the course of employment. The Act explicitly provides that an employee conveyed to or from work in employer-provided transport for employment purposes is deemed to be acting within the course of employment. All travel-heavy duties should be declared to your adviser.
Does WIBA Cover Temporary Deployment Outside Kenya?
The Act contains specific provisions for employees ordinarily employed in Kenya who are temporarily deployed abroad. Where statutory criteria regarding duration and nature of deployment are satisfied, compensation applies as if the incident occurred locally. Overseas assignments must be disclosed prior to travel.
Occupational Disease Protection & 14-Day Reporting Rule
WIBA extends well beyond sudden physical accidents. The Act mandates compensation where an employee contracts a recognized occupational disease directly resulting from workplace exposure. Employers must submit formal notice within 14 days of receiving notification or becoming aware of an occupational disease.
WIBA Insurance and Workplace Safety
Risk Prevention PrinciplesInsurance should never be used as a substitute for proactive workplace safety. While WIBA provides essential financial protection and covers legal compensation liabilities, safe operational practices remain the primary defence against occupational injuries.
The Financial Protection Layer
WIBA addresses monetary compensation, disability awards, and medical reimbursements. It represents the financial protection layer—not the safety programme itself. A robust safety culture minimizes claims, reduces premium costs, and protects your most valuable asset: your employees.
To establish a compliant health and safety environment under OSHA and WIBA guidelines, employers in Kenya should systematically maintain 9 core safety pillars:
Identify workplace hazards
Train employees continuously
Provide certified PPE
Maintain plant & equipment
Equip on-site first aid stations
Conduct routine safety audits
Maintain accident registers
Investigate internal incidents
Comply with OSHA legislation
Statutory Employer Responsibilities Under WIBA
Legal ComplianceThe Work Injury Benefits Act, 2007 imposes strict statutory duties on every employer operating in Kenya. Compliance requires continuous adherence to five core legal obligations:
Mandatory Insurance Cover
Obtain and continuously maintain approved WIBA insurance or qualifying security as mandated under Section 7 of the Act.
Employer Registration
Register business operations with the Director of Occupational Safety and Health Services (DOSHS) as required by statute.
Employee Records Maintenance
Keep detailed employee wage books, duty schedules, and payroll particulars for the statutory period specified by law.
Accident & Disease Reporting
Submit Form DOSH 1 within 24 hours for fatal accidents and within 7 days for non-fatal workplace injuries or occupational diseases.
Medical Assistance & Conveyance
Facilitate immediate emergency medical treatment, hospital transport, and statutory medical fee payouts following covered incidents.
What Happens If an Employer Does Not Have WIBA Insurance?
Operating without WIBA insurance carries severe legal and financial risks. Your statutory liability does not disappear simply because insurance was not purchased. Under DOSHS enforcement guidelines, an uninsured employer becomes 100% personally liable to pay all medical expenses and disability awards (up to 96 months' salary) directly out of pocket. Furthermore, non-compliance is an offence punishable by statutory fines, court prosecution, or business closure. Relying on the assumption that "we have never had an accident" is an extremely dangerous operational gamble.
Policy Exclusions, Limitations & Mid-Term Updates
Underwriting GovernanceWIBA insurance provides statutory financial protection, but it should never be assumed to be an unlimited policy without conditions. Employers must understand the two distinct sources of coverage limits:
1. Statutory Limitations
Caps and conditions established directly by the Work Injury Benefits Act, statutory schedules, and DOSHS regulations (such as maximum monthly wage multiplier limits).
2. Underwriter Policy Exclusions
Specific contractual terms set by the insurer, including exclusions for fraud, deliberate self-harm, undeclared high-risk occupations, or unnotified operational changes.
Why Accurate Payroll Information Matters During Underwriting
WIBA premiums are directly calculated from declared employee headcounts and annual wage bills. Declaring an inaccurate payroll creates severe sub-insurance issues. In the event of a major claim, underwriters audit payroll registers—if actual earnings materially exceed declared figures, claims may be reduced proportionally under the average clause, leaving your business exposed to shortfalls. Oakman Insurance Agency conducts regular policy reviews to ensure your cover matches your actual payroll.
Employers should immediately notify their insurance adviser whenever any of the following organizational changes occur during the policy period:
Changes in employee headcount
Annual payroll adjustments
New job roles or duties
Expansion into higher-risk activities
Opening new branches or sites
Adding drivers or sales reps
Changes in contractor arrangements
Statutory business entity changes
How to Choose the Right WIBA Insurance Policy in Kenya
Underwriting ComparisonNever Choose WIBA Purely Because One Quotation Is Cheaper
Selecting an insurance policy solely on lowest price often results in severe coverage gaps, hidden exclusions, or inadequate medical sub-limits when claims occur. Always evaluate what is actually covered, what limits apply, and what obligations your business has under the policy wording.
When comparing competing WIBA quotations for your business in Kenya, systematically evaluate these 12 critical underwriting factors:
Premium Cost
Annual cost relative to declared payroll and workforce risk rating.
Statutory Benefits
Scope of compensation provided under the Work Injury Benefits Act.
Policy Limits & Sub-Limits
Maximum payout caps per person, per accident, and per policy period.
Medical Expenses Cover
Adequacy of hospital, surgical, and emergency treatment limits.
Temporary Disablement
Weekly earnings replacement terms during employee recovery periods.
Permanent Disablement
Lump sum compensation formulas for partial or total permanent injury.
Death Benefits & Dependents
Statutory financial compensation and funeral expense provisions.
Policy Extensions
Inclusion of artificial appliances, travel costs, or 24hr GPA riders.
Occupation Classification
Accuracy of risk grading assigned to your specific business activities.
Claims Processing Efficiency
Underwriter reputation and speed in handling injury claim settlements.
Policy Conditions & Warranties
Employer safety obligations and reporting covenants required.
Underwriter Standing
Financial strength and regulatory standing of the issuing insurance company.
Why Use an Insurance Agency for WIBA?
Expert Advisory & BrokerageNavigating statutory insurance requirements and multiple underwriter quotations can be complex. Partnering with an experienced insurance agency streamlines compliance and ensures optimal policy structuring:
WIBA Insurance at Oakman Insurance Agency
Our 7-Step Client ProcessAt Oakman Insurance Agency, our core mission is to make statutory insurance compliance effortless for employers across Kenya. We partner with established underwriters to deliver tailored risk solutions through a streamlined 7-step process:
1
Tell Us About Your Business
Submit your business activity, headcount, employee occupations, and annual wage bill details.
2
We Assess Your Requirement
Our specialists review your operational hazards and identify precise underwriter rating criteria.
3
Obtain a Competitive Quotation
We approach the most suitable insurance market in Kenya to secure optimized policy pricing.
4
Explain the Options
We break down premiums, benefits, coverage limits, and policy conditions in clear terms.
5
Arrange the Cover
Upon your approval and completion of required forms, we officially bind the policy with the insurer.
6
Receive Your Policy & Certificate
You receive your official policy schedule and statutory WIBA certificate ready for tender presentation.
7
Ongoing Dedicated Support
We remain available year-round for mid-term endorsement updates, annual renewals, and claim assistance.
How to Get a WIBA Quote from Oakman Insurance Agency
Remote Quoting ProcessNo Office Visit Required
You do not need to visit our offices physically to request a WIBA insurance quotation. You can submit your business and workforce details digitally, and our team will evaluate your risk profile and issue a customized underwriter quote remotely.
To enable us to generate an accurate statutory WIBA quote tailored to your business, please assemble and share the following 9 key particulars:
Registered Business Name
Type & Industry of Business
Total Employee Headcount
Total Monthly Payroll
Estimated Annual Payroll
Employee Occupations & Roles
Physical Business Location
Current Insurer (If Any)
Policy Renewal Date (If Applicable)
WhatsApp Instant Desk
Send your business details directly for rapid quote evaluation:
+254 710 918 201
Email Corporate Support
Submit corporate payroll schedules and policy enquiries:
Guaranteed Quote Turnaround Time
Our dedicated corporate desk processes quote submissions under strict Service Level Agreements, providing full statutory WIBA quotation breakdowns within 5 to 30 minutes.
WIBA Insurance Frequently Asked Questions (FAQs)
Knowledge HubFind clear, authoritative answers to common statutory, underwriting, operational, and claims questions regarding Work Injury Benefits Act (WIBA) insurance in Kenya.
General Definitions & Statutory Compliance
What does WIBA stand for?
WIBA stands for the Work Injury Benefits Act (2007, Laws of Kenya).
What is WIBA insurance in Kenya?
It is statutory insurance arranged by an employer to indemnify liabilities arising under the Work Injury Benefits Act regarding employee workplace injuries, diseases, or fatalities.
Is WIBA insurance mandatory in Kenya?
Yes. Section 7 of the Work Injury Benefits Act explicitly mandates every employer in Kenya to obtain and maintain an insurance policy with an approved underwriter to cover employee statutory liabilities.
What is a WIBA certificate?
It is official insurance documentation issued by a licensed underwriter evidencing that a business has arranged valid WIBA cover, required for tender presentations and compliance audits.
Premiums, Rates & Quotations
How much does WIBA insurance cost?
There is no single fixed premium. Pricing depends on total declared wage bills, specific employee job classifications, business activity risks, and selected medical sub-limits.
How is WIBA premium calculated?
Underwriters apply specific risk percentages to the employer’s annual gross wage bill based on occupational exposure (e.g., clerical vs. heavy machinery operators).
What information do I need for a WIBA quotation?
You need your registered business name, type of business, staff headcount, monthly/annual wage bill, job occupations, and physical location.
Can I get WIBA insurance for a small business or SME?
Yes. Tailored WIBA policies can be arranged for small businesses, protecting cash reserves from unexpected statutory injury liabilities.
Benefits, Compensation & Medical Limits
Does WIBA cover medical expenses?
Yes. The Act provides for reasonable medical aid, surgical treatment, hospital expenses, nursing, and medicines arising from covered workplace injuries.
Does WIBA cover temporary disability?
Yes. Compensation for temporary total or partial disablement provides income replacement during medical recovery, subject to statutory limits.
How is permanent disability calculated under WIBA?
Permanent disablement is calculated on the basis of 96 months' earnings, multiplied by the percentage of disablement assessed by an authorized medical board.
Does WIBA cover death benefits?
Yes. In fatal workplace incidents, compensation equivalent to 96 months' earnings is paid to eligible dependants, alongside funeral expense allowances.
Does WIBA cover occupational diseases?
Yes. Compensation applies when an employee contracts a recognized occupational disease resulting directly from workplace hazard exposure (e.g., chemicals, noise, dust).
Can WIBA provide 24-hour protection?
Standard WIBA is strictly work-related. Broader 24-hour non-occupational accident protection can be arranged by endorsement or through a Group Personal Accident (GPA) rider.
Casual Workers, Subcontractors & Travel
Does WIBA cover casual workers?
Yes, if declared. Employers must declare casual labor wage exposure under payroll figures; calling a worker "casual" does not exempt an employer from statutory liability.
Does WIBA cover contractors & subcontractors?
Coverage depends on the contract arrangement. Principal contractors and subcontractors must clarify who holds insurance liability for engaged site personnel.
Can I get WIBA for construction workers?
Yes. Construction companies can cover site workers, artisans, machine operators, and supervisors based on declared payroll schedules and site activities.
What is the difference between WIBA and GPA?
WIBA fulfills statutory employer liability for work-related accidents. GPA is a flexible, contractual personal accident policy that can offer 24/7 global protection.
What is the difference between WIBA and Public Liability?
WIBA protects your employees against work injuries. Public Liability protects your business against injury or property damage claims brought by third parties/visitors.
Accident Reporting, DOSHS & Claims Processing
How quickly should a workplace accident be reported?
DOSHS guidelines require fatal accidents to be reported within 24 hours, and non-fatal workplace injuries to be submitted within 7 days using Form DOSH 1.
How long does an employee have to lodge a WIBA claim?
The Act provides a statutory period of up to 12 months from the date of the accident (or death) to formally lodge a compensation claim.
Can Oakman Insurance Agency help with WIBA claims?
Yes. Oakman assists with claim notifications, document compilation, underwriter follow-ups, and payout settlement coordination on behalf of the employer.
Have More Specific Questions About Your Business WIBA Cover?
Every industry and business structure in Kenya presents unique operational risks. Oakman Insurance Agency provides professional risk evaluations and instant quotation support to keep your company fully compliant.
WIBA, OSHA and DOSHS: What Is the Difference?
Regulatory ArchitectureIn Kenyan occupational health and safety law, WIBA, OSHA, and DOSHS represent related but distinct legal, administrative, and financial pillars. They are not interchangeable concepts:
WIBA (The Act)
The Work Injury Benefits Act, 2007 establishes the statutory legal framework governing compensation for work-related injuries, occupational diseases, and employee fatalities.
OSHA (Safety Rules)
The Occupational Safety and Health Act, 2007 deals broadly with preventive workplace health, safety standards, hazard controls, equipment maintenance, and environmental welfare requirements.
DOSHS (Enforcement)
The Directorate of Occupational Safety and Health Services is the government agency executing workplace inspections, accident investigations, employer registrations, and WIBA claim awards.
WIBA Insurance
The financial protection mechanism arranged with an approved insurance underwriter to indemnify the employer's legal liabilities arising under the WIBA statutory framework.
WIBA Is Not a Substitute for Workplace Safety
Purchasing insurance does not eliminate an employer's statutory duty to maintain a safe working environment under OSHA. Insurance serves as the financial protection layer—not the safety programme itself. The strongest commercial risk-management strategy integrates five essential elements:
A Practical WIBA Compliance Checklist for Kenyan Employers
Operational AuditTo ensure full statutory compliance and seamless insurance claim processing, Kenyan business owners and HR managers should maintain this comprehensive 19-point operational checklist:
Business activity correctly described
All work locations & branches disclosed
New operational activities declared
All relevant employees included in payroll
Employee occupations accurately defined
Annual payroll calculations verified
New hires promptly added to records
Underwriter appropriately IRA-licensed
Policy period dates current & active
Benefit limits adequate for exposure
GPA or travel extensions evaluated
WIBA policy schedule & certificate on file
Wage books & statutory records retained
Employees trained on injury reporting
Managers familiar with DOSH 1 forms
DOSHS deadlines (24hr / 7day) understood
Internal workplace accident logbook maintained
Payroll & headcount reviewed at annual renewal
Historical claims evaluated for risk trends
Tailored WIBA Insurance Solutions Across Kenyan Industries
Sectors CoveredWhether you operate a small enterprise or a large corporate organisation, your WIBA policy should reflect your specific risk environment. Oakman Insurance Agency structures compliant covers across diverse commercial sectors in Kenya:
Commercial Offices
Retail Shops & Outlets
Restaurants & Hospitality
Construction Companies
Factories & Manufacturing
Logistics & Transport
Educational Institutions
Warehousing & Distribution
WIBA Content & Legal Disclaimer
Insurance terms, statutory benefits, payout limits, premiums, exclusions, and underwriting criteria vary by insurance underwriter and specific policy wording. This guide is provided for general informational purposes only and should not be treated as legal advice or as a substitute for applicable statutory legislation, official DOSHS regulations, or formal policy documentation.
Work Injury Benefits Act, 2007 (Kenya Law)
Directorate of Occupational Safety & Health Services (DOSHS)
Applicable Insurer Policy Wordings & Schedules
