Westlands
Nairobi Commercial Insurance
WIBA Insurance Kenya: Secure Your Business & Staff Today
Get compliant with the Work Injury Benefits Act instantly. Avoid expensive DOSHS penalties and protect your company against unexpected workplace financial liabilities.
Understanding the Work Injury Benefits Act (WIBA)
The Work Injury Benefits Act (WIBA, 2007) is a strict legal statute in Kenya that mandates all employers to provide financial compensation to workers who sustain physical injuries, contract occupational diseases, or lose their lives while on duty.
A WIBA Insurance Policy acts as a safety shield for your business. Instead of paying heavy court settlements and medical bills out of your company profits, this commercial policy steps in to assume the full financial liability on your behalf, ensuring you are 100% compliant with Kenyan labor laws.
Confused about your legal liability?
Talk directly with our corporate underwriting team based at Kenrail Towers, Westlands to understand your exact obligations under the law.
What Does Oakman WIBA Insurance Cover?
Our comprehensive policy covers operational risks and health complications that occur strictly within the course of employment. The standard compensation structure includes:
- Accidental Death: Financial payout equivalent to 96 months (8 years) of the employee’s gross earnings to support dependent families.
- Permanent Total Disablement (PTD): Paid out up to 96 months of earnings if an injury prevents an employee from ever working again.
- Temporary Total Disablement (TTD): Replaces lost weekly earnings for up to 52 weeks while your worker is temporarily recovering.
- Medical Expenses Extension: Covers ambulance fees, hospital accommodation, surgeries, and pharmacy bills.
- Funeral/Last Expense Cover: Immediate cash benefit (Standard KES 30,000) to assist with burial logistics.
Need a tailored coverage structure?
Send your company’s total monthly or annual gross wage bill to our digital desk for a highly accurate premium calculation.
Who is Required to Have WIBA Cover in Kenya?
By law, every employer operating within Nairobi County and across Kenya must have a valid WIBA policy. If you issue a salary or wage to even a single person, you are legally exposed without it. We design specialized insurance clusters for:
- SMEs & Tech Startups: Budget-friendly office covers for teams in commercial nodes like Westlands, Kilimani, and the CBD.
- Logistics, Warehousing & Manufacturing: High-protection plans for field drivers, machinery operators, and casual loaders facing higher physical risks.
- Retail Shops & Service Businesses: Low-premium, flexible covers built for restaurants, retail storefronts, and digital agencies.
- Contractors & Casual Workers: Flexible inclusions that keep you fully compliant with Kenyan labor regulations without rigid annual pricing for seasonal staff.
Ensure your business is fully protected
Schedule a virtual meeting with an expert or visit our offices at Kenrail Towers, Westlands to clear up any compliance gaps.
The Oakman WIBA Claims Process
When an unfortunate accident happens on duty, the paperwork and legal steps shouldn't break your business focus. Oakman Insurance Agency acts as your direct advocate, ensuring full compliance with the Directorate of Occupational Safety and Health Services (DOSHS) guidelines:
- Immediate Timelines: Fatal cases must be reported within 24 hours. Non-fatal workplace physical injuries must be logged within 7 days.
- DOSH Filing Support: We guide your HR or management team through completing DOSH Form Part I & II flawlessly to prevent structural claim delays.
- Aggressive Follow-ups: We compile the attending doctor's medical certificates, police abstracts, and wage structures, pushing underwriters for a clean settlement within the statutory 90 days.
Have an active injury or claim problem?
Don't handle the medical boards and labor officers alone. Send our documentation audit team your files immediately for technical relief.
