WIBA Insurance (Work Injury Benefits Act)
Protect Your Employees. Stay Legally Compliant.
Under the Work Injury Benefits Act (WIBA), 2007, all employers in Kenya are legally required to provide compensation to employees for work-related injuries and occupational diseases.
At Advanced Insurance Agency Limited, we help businesses stay compliant while protecting their workforce with reliable and affordable WIBA insurance solutions.
What is WIBA Insurance?
WIBA Insurance provides compensation to employees who suffer:
- Work-related injuries
- Occupational diseases
- Disability arising from workplace accidents
- Death resulting from workplace injuries
This cover ensures employees (or their dependents) receive compensation as required by Kenyan law.
Is WIBA Mandatory in Kenya?
Yes.
WIBA insurance is a statutory requirement for all employers in Kenya, regardless of company size or industry.
Failure to comply may result in:
- Legal penalties
- Fines
- Lawsuits
- Business liability risks
We ensure your organization meets all legal obligations.
What Does WIBA Cover?
- Medical Expenses
Covers treatment costs resulting from workplace injury or disease.
- Temporary Total Disability
Compensation for employees unable to work temporarily due to injury.
- Permanent Partial Disability
Compensation based on the degree of disability.
- Permanent Total Disability
Compensation if the employee becomes permanently unable to work.
- Death Benefit
Compensation paid to the employee’s dependents in case of fatal workplace injury.
Who Needs WIBA Insurance?
WIBA cover is required for:
- SMEs and startups
- Construction companies
- Manufacturing industries
- Logistics and transport companies
- Factories and workshops
- NGOs and institutions
- Corporate organizations
Whether you employ 2 or 200 employees, WIBA is mandatory.
How Premiums Are Calculated
WIBA premiums are based on:
- Total annual payroll
- Industry risk classification
- Nature of work
- Claims history (if applicable)
We negotiate competitive rates with leading insurance underwriters to ensure your business gets the best value.
Why Choose Advanced Insurance Agency Limited?
✔ Licensed and professional insurance advisors
✔ Compliance guidance on WIBA regulations
✔ Fast policy processing
✔ Competitive premiums
✔ Professional claims handling support
✔ Risk advisory services
We don’t just sell policies — we protect your business from legal and financial exposure.
Click To Call: 0722494303
Frequently Asked Questions (FAQs)
Is WIBA compulsory for all employers in Kenya?
Yes. Every employer must have WIBA insurance for their employees as required by law.
Does WIBA cover injuries outside the workplace?
No. WIBA only covers injuries and occupational diseases arising out of and during employment.
Does WIBA replace NHIF or Medical Insurance?
No. WIBA is specifically for workplace injury compensation. It does not replace medical insurance.
How soon should an injury be reported?
Workplace injuries must be reported immediately to the employer and insurer. Prompt reporting ensures smooth claims processing.
What happens if a company does not have WIBA?
The employer becomes personally liable for compensation claims and may face legal penalties.
Are directors or business owners covered?
Directors can be included under the policy upon request, depending on the insurer’s terms.
How long does it take to process a WIBA policy?
Once payroll and employee details are provided, policy issuance can be completed within a short turnaround time.
Get Covered Today
Stay Compliant. Protect Your Business.
Avoid legal risks and safeguard your employees with reliable WIBA insurance from Advanced Insurance Agency Limited.