• By Raymond Momanyi

Free Corporate Insurance Review in Kenya | Imana Insurance AKL

Request a free corporate insurance review with Imana in Westlands, Nairobi. Identify potential cover gaps and compare quotations from licensed Kenyan insurers.

Free Corporate Insurance Review in Kenya: Know Your Risk Before It Strikes

By Raymond Momanyi, Founder & CEO, Imana Insurance Agency Kenya Ltd

Your business may have insurance policies in place. But do those policies reflect your current assets, employees, operations and financial exposure?

Imana Insurance Agency Kenya Ltd can facilitate your corporate insurance review for free. The review helps you understand your existing protection, identify potential gaps and assess whether your cover remains adequate for your business.

Know your risk before it strikes.

Based in Westlands, Nairobi, Imana Insurance Agency Kenya Ltd is an insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers. Insurance classes include Motor, Medical, WIBA, PSV, Travel, Motorcycle, Cyber, SME/Corporate and other covers.

What Is a Corporate Insurance Review?

A corporate insurance review compares your business risks with the protection provided by your existing insurance policies.

It considers what you have insured, the limits available, the activities declared to insurers and the conditions that apply. It also identifies areas that may need clarification or changes.

The central question is simple: If your business experiences a loss, how well does your current insurance respond?

A review helps answer that question before a claim arises. The outcome depends on accurate business information and the wording of each policy.

Why Your Business May Need an Insurance Review

Businesses change. Insurance arrangements need to keep pace.

You may have purchased equipment, increased stock, hired employees, opened another branch or introduced delivery services. Your business may also handle more customer data or send staff abroad more frequently.

These changes can affect your insurance needs.

Consider a company that insured its equipment several years ago. It has since added computers and machinery, but its declared values remain unchanged. A review can flag the need to reassess those values and discuss appropriate amendments with the insurer.

The same principle applies to employee numbers, payroll, vehicle use and business activities.

An annual renewal is a useful review point. Significant changes during the policy period also deserve attention.

What Should Your Corporate Insurance Review Cover?

The review should focus on the risks relevant to your business. Different organisations need different combinations of protection.

What Should Your Corporate Insurance Review Cover?

The review should focus on the risks relevant to your business. Different organisations need different combinations of protection.

Property, Equipment and Stock

Check whether your premises, machinery, computers and other assets are correctly described and valued. Stock values should reflect normal levels and seasonal increases.

Business Interruption

Examine whether your policy addresses relevant interruption risks. Review the insured amount, applicable triggers and the period over which eligible losses may be covered.

WIBA and Employee Protection

Confirm that employee categories, duties and declared earnings reflect your current workforce. Discuss changes in staffing or activities that may affect your cover.

Group Medical Insurance

Review benefit limits, exclusions and access to healthcare providers. Consider whether the cover continues to meet your employees’ needs.

Motor and Fleet Insurance

Check vehicle details, values, authorised drivers and actual use. Changes involving deliveries, commercial transport or passenger services should be discussed with your intermediary and insurer.

Public Liability

Assess whether insured activities and liability limits reflect your interaction with customers, visitors and the public.

Professional Indemnity

Check whether the policy reflects the professional services your business provides. Review relevant limits, exclusions and contractual requirements.

Cyber Insurance

Examine the digital risks addressed by the policy, its limits and exclusions, and any security conditions your business must meet.

Travel Insurance

Confirm that destinations, trip duration and business activities fall within the policy’s scope.

These are review areas, not a standard package for every business. Any proposed cover remains subject to insurer acceptance and policy terms.

These are review areas, not a standard package for every business. Any proposed cover remains subject to insurer acceptance and policy terms.

How Imana Can Assist With Your Free Corporate Insurance Review

Imana can help you organise your insurance information and compare your current cover with your business needs.

1. Understand Your Business

Start with your operations, locations, employees, assets and main sources of income.

This helps establish which risks matter most and whether recent changes have been reflected in your insurance arrangements.

2. Examine Existing Policies

Review your policy schedules, declared values, benefit limits, excesses, exclusions and conditions.

An excess is the amount you may need to contribute towards an eligible claim. Exclusions describe circumstances or losses outside the cover. Both can materially affect how a policy responds.

3. Identify Potential Gaps

The review may highlight outdated asset values, undeclared activities, insufficient limits or risks that need further discussion.

It may also identify overlapping policies that should be examined carefully before any changes are made.

4. Compare Suitable Quotations

Where additional or revised protection is appropriate, Imana can help you compare quotations from licensed Kenyan insurers.

The comparison should consider the scope of cover alongside the premium. A lower price may come with different limits, excesses, exclusions or conditions.

5. Clarify the Next Steps

Use the findings to prioritise updates, obtain clarification from insurers and make informed decisions about your protection.

Changes to insurance cover require the insurer’s confirmation. A review or quotation alone does not amend an existing policy.

Documents to Prepare for Your Review

Having the following information available can make the discussion more useful:

• Current policy schedules and policy wordings.
• A brief description of your business activities and locations.
• An asset register and current values.
• Stock values, including seasonal variations.
• Employee numbers, roles and payroll information.
• Vehicle details and how each vehicle is used.
• Available claims history.
• Relevant contracts or insurance requirements.
• Details of recent changes to the business.

Share sensitive documents through a secure channel agreed with Imana.

Who Can Request a Corporate Insurance Review?

The review is relevant to SMEs and larger organisations, including offices, retailers, manufacturers, professional firms, hospitality businesses, transport operators and other enterprises.

It is especially useful when your business has grown, changed its activities or renewed policies without revisiting the underlying risks.

Imana’s Westlands base provides a Nairobi point of contact for businesses seeking assistance with corporate insurance comparisons in Kenya.

Learn more about its services through the Imana insurance information and authority website and the Corporate and SME Insurance page.

Frequently Asked Questions

Is Imana’s corporate insurance review free?

Imana Insurance Agency Kenya Ltd can facilitate your corporate insurance review for free. Any insurance you choose to purchase carries its own premium and applicable charges, as set out in the quotation.

Can a review confirm that my business is fully covered?

A review helps assess whether your protection is adequate for the risks discussed and identify potential gaps. It cannot guarantee that every possible loss is insured. Cover depends on policy terms, limits, exclusions, conditions and accurate disclosure.

Can Imana review policies arranged through another intermediary?

You can request a review using your existing policy documents. Providing complete schedules and wordings helps Imana understand your current protection and discuss possible improvements.

Does a review mean I must change insurers?

A review may show that your current arrangements remain suitable or that updates are needed. Any decision to retain, amend or replace cover should follow a careful comparison of the terms.

When should my business review its insurance?

Review your insurance before renewal and after significant changes, such as purchasing assets, increasing stock, hiring staff, adding vehicles, opening premises or introducing new services.

Can Imana compare more than corporate insurance?

Yes. Imana helps individuals, families and businesses compare quotations across Motor, Medical, WIBA, PSV, Travel, Motorcycle, Cyber, SME/Corporate and other insurance classes.

Request Your Free Corporate Insurance Review

Do your insurance policies reflect the business you operate today?

Ask Imana Insurance Agency Kenya Ltd to facilitate your free corporate insurance review. Understand your existing cover, identify potential gaps and compare suitable options before a loss exposes a weakness.

Use the following websites to take the next step:

• Imana Insurance Quotation Comparison Landing Page to start your insurance quotation comparison.
• Imana Insurance Authority and Information Website to explore insurance services and contact the agency.
• MyKava: Travel, Accommodation and Insurance to explore travel, accommodation and insurance options.

Know your risk before it strikes.

About the author: Raymond Momanyi is the Founder & CEO of Imana Insurance Agency Kenya Ltd, a Westlands-based insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers.

Insurance cover is subject to the selected insurer’s policy terms, exclusions, limits, conditions and acceptance.