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Business Insurance

Tailored Protection for Every Business Risk

Running a business comes with risks—from fire and theft to employee injury and liability claims.

At Wealthwise Nexus, we help you create the right mix of insurance covers to protect your operations, staff, assets, and profits.


Fire and Perils Insurance

Protecting Your Business Premises & Assets

Fire and Perils Insurance covers damage or loss to buildings, equipment, stock, and office contents caused by fire, lightning, explosion, and extended risks such as riots, floods, earthquakes, or malicious damage.

Ideal for:

  • Offices
  • Retail Spaces
  • Industrial Premises
  • Hotels 
  • Schools and learning institutions
  • Places of worship



Work Injury Benefits Act (WIBA) Insurance

Mandatory Employee Protection

WIBA Insurance ensures employees are compensated for work-related injuries or illnesses—offering benefits such as medical expenses, funeral costs, and compensation for death or disability as per the Kenyan WIBA Act.


  • Covers up to 96 months of salary. Optional 24-hour cover available when combined with GPA.



Employers’ Liability Insurance

Cover for Legal Liability to Employees

This policy protects employers from lawsuits filed by employees for workplace injuries due to negligence, complementing WIBA cover for common law claims.

A must-have where proof of employer negligence may arise.



Public Liability Insurance

Protecting Your Public Interactions

Whether clients visit your premises or you operate in public spaces, this policy covers bodily injury or property damage to third parties.

Extendable to include Products Liability.



Goods in Transit (GIT) Insurance

Protecting Your Business Premises & Assets

GIT Insurance covers loss or damage to goods while being transported by road (and optionally across East Africa).



Business Interruption Insurance

Safeguarding Your Income After a Crisis

This cover protects your profits following operational downtime caused by fire or other insured perils.

Includes loss of gross profits, wages, and auditor’s fees during disruption.



Additional Business Covers 

We also offer flexible protection for a wide range of risks, including:

  • Burglary Insurance
  • Fidelity Guarantee Insurance
  • Marine Insurance
  • Money Insurance
  • Carriers’ Legal Liability Insurance
  • Product Liability Cover

Mix and match policies to suit your industry and risk exposure.


Let’s Build Your Business Cover Together

Every business is unique.

Whether you're a startup, SME, or established firm, we’ll help you customise a protection plan that suits your specific needs.

Get in touch with Wealthwise Nexus today.