Business Insurance

Workplace Injury Cover (WIBA)

Protect Your Employees. Protect Your Business.

Meets your WIBA obligation and protects your business from the cost of work-related employee injury, illness, or death.

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Quick overview

Employees are one of the most important parts of any business, and when a workplace accident or work-related illness occurs, both the employee and employer can face serious financial consequences.

Why it matters

Why WIBA Matters

Workplace accidents can happen even when safety procedures are in place. Appropriate cover helps employers meet their obligations while providing financial protection for employees affected by covered workplace injuries.

WIBA is a legal benefit for every employee

The Work Injury Benefits Act (2007) gives every employee of a Kenyan business a benefit for any injury at work or work-related illness, up to a maximum of 8 years' salary. It is compulsory for all employees whatever their role — general clerks, telephone operators, typists and secretaries, room attendants, cooks, watchmen, waiters, sales people, accountants, and managers alike.

Employer's Liability is a separate exposure

Employer's Liability — or Common Law Liability — is where an employee sues the employer for an injury or illness, alleging it resulted from the employer's negligence, with no time limit on the claim. Even an allegation forces you to appoint a lawyer and see the case through: win and you have still incurred costs; lose and you pay those costs plus any compensation.

Who it's for

Who this cover is for

All registered employers
Manufacturing and industrial businesses
Construction and site-based employers
Offices, hospitality, and service businesses
Schools, hospitals, and institutions

Cover options

Your cover options

Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.

WIBA Compensation

Meets your statutory obligation to compensate any employee — from general clerks to site workers — for a work-related injury or illness.

Employer's Liability

Covers you if an employee sues alleging their injury was caused by your negligence, beyond WIBA's statutory limits.

Medical & Funeral Expenses

Covers treatment costs for the injury, plus a contribution toward funeral costs in the event of a work-related death.

Key benefits

What you get with the cover

Death benefit

Compensation paid to dependants if an employee dies from a work-related injury or illness.

Permanent disability

A lump-sum benefit based on the degree of permanent incapacity suffered.

Temporary disability

Income replacement while an employee recovers and is unable to work.

Medical expenses

Treatment costs for the work-related injury or illness, covered as they're incurred.

Funeral expenses

A contribution toward funeral costs in the event of a work-related death.

Towing and breakdown help are assistance services rather than insurance cover; their availability and limits depend on the insurer and the cover level chosen.

Add-ons

Optional extensions

Extra layers of protection you can add for an additional premium. Availability varies by insurer.

Employer's Liability Extension

Raises cover beyond WIBA's statutory limits for negligence claims, with no cap on the claim period.

Employee Benefits Liability

Covers errors or omissions in administering staff benefits — e.g. forgetting to enrol an employee in medical cover before a claim arises.

Exclusions

What's not covered

Self-inflicted injury or gross misconduct

Injuries outside the course of employment

Casual workers not declared on the payroll

War, riot, and nuclear risks

This is a general list. Your policy wording sets out the full exclusions that apply.

Getting covered

What you'll need

To take out cover

Business registration documents
Employer's ID / passport or authorised representative's details
Number of employees
Employee occupations / job categories
Estimated payroll
Business activities and location

Report the injury immediately, get a medical report, and notify us so compensation can be assessed without unnecessary delay.

Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.

Glossary

Common terms explained

WIBA

The Work Injury Benefits Act (2007) — Kenyan law requiring every employer to compensate employees for work-related injury, illness, or death, regardless of fault, capped at a maximum of 8 years' salary.

Employer's Liability

Also called Common Law Liability — cover for claims where an employee alleges their injury was the employer's fault. Unlike WIBA, there's no statutory cap and no time limit on bringing a claim.

FAQ

Frequently asked questions.

The essentials on workplace injury cover (wiba) — what it covers, what you'll need, and how claims work. More on the FAQ page.

See all FAQs

Is this cover a legal requirement?

Yes. WIBA requires all employers in Kenya to have cover in place for their employees against work-related injury, illness, or death.

Does it cover occupational diseases, not just accidents?

Yes, occupational illnesses arising from the nature of the work are covered alongside workplace accidents.

What's the difference between WIBA cover and Employer's Liability?

WIBA is a no-fault statutory benefit capped at 8 years' salary. Employer's Liability responds when an employee sues alleging your negligence caused the injury — with no cap and no time limit.

Does this cover errors in administering staff benefits like medical cover or pensions?

That's a separate cover called Employee Benefits Liability — available as an extension here or as its own policy. Ask your advisor.

Which employees must be covered?

All of them. WIBA 2007 makes cover compulsory for every employee regardless of role — general clerks, telephone operators, typists and secretaries, room attendants, cooks, watchmen, waiters, sales people, accountants, managers, and all other staff.

If a negligence claim against me turns out to be groundless, am I still covered?

Yes. The Employer's Liability section funds your legal defence even where the allegation of negligence is never proven — the costs of defending are covered, not only any compensation awarded.

Flexible cover

For Employers

WIBA helps businesses manage the financial consequences associated with workplace injuries while supporting responsible employee protection. Speak to Cush Insurance Agency about appropriate workplace injury cover for your employees.

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