• By Raymond Momanyi

Insurance for Clinics and Pharmacies in Kenya

Learn which insurance covers clinics and pharmacies in Kenya should consider, including Medical Malpractice, Professional Indemnity, WIBA, Product Liability, property, stock, cyber and business interruption insurance.

Why Clinics and Pharmacies Need Specialised Insurance

Clinics and pharmacies provide essential healthcare services, but they also face risks that ordinary shops and offices do not encounter.

A clinic may examine patients, perform medical procedures, administer medication and store sensitive health records. A pharmacy may dispense prescription medicine, store temperature-sensitive products and advise customers about proper medication use.

An unexpected incident could involve:

• Alleged medical negligence
• Incorrect medication or dosage
• Adverse reaction to a supplied product
• Patient injury at the premises
• Theft of pharmaceutical stock
• Refrigeration failure
• Fire or water damage
• Employee injury
• Cyberattack or patient-data breach
• Machinery or electronic-equipment failure
• Forced closure after insured property damage

A suitable insurance programme can help protect:

• Healthcare practitioners
• Patients and customers
• Employees
• Buildings and contents
• Medicines and medical supplies
• Diagnostic equipment
• Business income
• Electronic records
• Legal liability
• The organisation’s reputation and continuity

Clinics and pharmacies must also maintain the professional and premises licences applicable to their operations. The Kenya Medical Practitioners and Dentists Council registers and licenses eligible health facilities, while the Pharmacy and Poisons Board regulates pharmacy professionals and pharmaceutical premises.

Insurance cannot replace professional competence, patient safety or regulatory compliance. It helps protect the healthcare business when an unexpected insured incident creates financial loss or legal liability.

What Is Clinic and Pharmacy Insurance?

Clinic and pharmacy insurance is generally not one standalone policy.

It is a programme combining different covers according to the services, employees, property and products involved.

A healthcare insurance programme may include:

• Medical Malpractice Insurance
• Professional Indemnity Insurance
• Public Liability Insurance
• Product Liability Insurance
• WIBA Insurance
• Group Personal Accident
• Fire and Allied Perils
• Burglary Insurance
• All Risks Insurance
• Electronic Equipment Insurance
• Machinery Breakdown
• Deterioration of Stock
• Business Interruption
• Money Insurance
• Fidelity Guarantee
• Cyber Insurance
• Commercial Motor Insurance
• Group Medical Insurance
• Political Violence and Terrorism

The correct structure depends on whether the business is:

• A general medical clinic
• A dental clinic
• A specialist clinic
• A diagnostic centre
• A physiotherapy clinic
• A maternity facility
• A day-surgery centre
• A retail pharmacy
• A wholesale pharmacy
• A hospital pharmacy
• A pharmaceutical distributor
• A medical-supplies business

A small consultation clinic and a pharmacy handling high-value refrigerated medicines require different limits and extensions.

Are Clinics and Pharmacies Required to Be Licensed?

Yes. The relevant professional practitioners and premises must meet applicable registration and licensing requirements.

Clinics and health facilities

The Kenya Medical Practitioners and Dentists Council is responsible for registering, licensing and inspecting eligible health institutions. Its published process for registering a facility includes county health-management inspection, online registration, payment of prescribed fees, committee review and issuance of a registration certificate.

The Council also provides an online facility search through which members of the public can check whether a health facility is registered and licensed.

Pharmacies

The Pharmacy and Poisons Board regulates pharmaceutical professionals and premises. Its guidance covers registration and licensing of pharmaceutical premises, while its public registers allow users to check pharmacists, pharmaceutical technologists and licensed facilities. (web.pharmacyboardkenya.org)

The Board states that only an appropriately registered pharmacist or eligible enrolled pharmaceutical technologist meeting the prescribed experience requirement may apply for a premises licence.

Insurance does not make an unlicensed clinic, pharmacy or practitioner lawful.

An insurer may request evidence of:

• Facility registration
• Current operating licence
• Practitioners’ licences
• Pharmacy premises licence
• Professional qualifications
• Inspection reports
• Compliance documentation

during underwriting or claims assessment.

Essential Insurance Covers for Clinics and Pharmacies

1. Medical Malpractice Insurance

Medical Malpractice Insurance is a specialised form of Professional Indemnity Insurance designed for healthcare practitioners and facilities.

It may protect against eligible claims alleging that a patient suffered injury, illness, deterioration or financial loss because of professional negligence.

Possible allegations may involve:

• Incorrect diagnosis
• Delayed diagnosis
• Incorrect treatment
• Failure to refer a patient
• Medication errors
• Surgical or procedural mistakes
• Inadequate monitoring
• Poor record-keeping
• Failure to obtain informed consent
• Breach of professional duty

Who may require Medical Malpractice cover?

It may be relevant to:

• Doctors
• Dentists
• Clinical officers
• Nurses
• Physiotherapists
• Pharmacists
• Laboratory professionals
• Radiographers
• Specialist practitioners
• Clinics and medical centres

The proposal must accurately describe every service provided.

A clinic offering consultations only should not be underwritten in the same way as a facility performing invasive procedures or day surgery.

What may be covered?

Depending on the policy:

• Legal defence costs
• Approved investigations
• Expert-witness costs
• Court-awarded compensation
• Insurer-approved settlements
• Claims arising from employees’ professional acts
• Loss of patient documents
• Breach of confidentiality, where extended

Medical Malpractice Insurance does not guarantee that every complaint will be compensated. The alleged incident must fall within the insured professional services, policy period, retroactive date and other terms.

2. Professional Indemnity Insurance for Pharmacists

Pharmacists and pharmaceutical businesses may face claims arising from professional services such as:

• Dispensing prescribed medication
• Providing medicine-use instructions
• Reviewing prescriptions
• Advising on dosage
• Identifying possible medicine interactions
• Handling controlled or specialist medication
• Maintaining patient medication records

A customer may allege that:

• The wrong medicine was supplied.
• The incorrect strength was dispensed.
• Instructions were inaccurate.
• A prescription was misread.
• An important warning was omitted.
• Confidential health information was improperly disclosed.

Professional Indemnity Insurance may cover eligible legal liability resulting from such professional errors or omissions.

It should be coordinated with Product Liability Insurance because a pharmacy may face both professional-service and product-supply exposures.

3. Product Liability Insurance

A clinic or pharmacy may supply:

• Prescription medicines
• Over-the-counter medicines
• Medical devices
• Diagnostic products
• Dressings
• Supplements
• Cosmetics
• Personal-care products
• Assistive equipment

Product Liability Insurance may respond where a supplied product allegedly causes:

• Bodily injury
• Illness
• Accidental death
• Damage to third-party property

Example

A pharmacy supplies a product that is later alleged to be contaminated or incorrectly labelled.

The customer may pursue:

• The manufacturer
• Importer
• Distributor
• Pharmacy or retailer

Product Liability cover can address eligible legal defence and compensation claims, subject to the wording.

It does not normally pay for:

• Routine refunds
• Replacing the defective product itself
• Loss of market
• Ordinary warranty claims
• Product recall unless specifically extended

Pharmacies should confirm whether recall expenses require a separate Product Recall extension.

4. Public Liability Insurance

Clinics and pharmacies receive patients, caregivers, suppliers and other visitors.

Public Liability Insurance may protect the business where a third party suffers accidental injury or property damage connected to the premises or operations.

Examples include:

• A patient slipping on a wet floor
• A customer falling on a staircase
• A shelf collapsing and injuring someone
• Water leaking into neighbouring premises
• A signboard damaging another person’s property
• A visitor being injured by damaged furniture

The policy may cover eligible:

• Compensation
• Legal defence costs
• Claimant’s approved legal expenses
• Investigation costs

Public Liability should not be confused with Medical Malpractice.

Medical Malpractice example

A patient alleges injury caused by incorrect medical treatment.

Public Liability example

The same patient slips at the clinic entrance before receiving treatment.

A healthcare facility may need both covers.

5. WIBA Insurance for Employees

Clinics and pharmacies employ people such as:

• Doctors
• Nurses
• Clinical officers
• Pharmacists
• Pharmaceutical technologists
• Laboratory personnel
• Receptionists
• Cleaners
• Drivers
• Security guards
• Storekeepers
• Casual employees

Section 7 of Kenya’s Work Injury Benefits Act requires every employer to obtain and maintain insurance against liabilities arising under the Act.

WIBA may address qualifying:

• Work-related accidental injury
• Occupational disease
• Temporary disablement
• Permanent disablement
• Medical expenses
• Work-related death
• Funeral expenses

Healthcare workers may face occupational exposures involving:

• Needlestick injuries
• Hazardous substances
• Slips and falls
• Lifting patients
• Laboratory materials
• Workplace violence
• Vehicle accidents during authorised duties

The insurer should receive accurate information about:

• Number of employees
• Occupations
• Annual gross payroll
• Facility locations
• Hazardous duties
• Claims history

Do not classify all healthcare employees as low-risk office workers.

6. Group Personal Accident Insurance

WIBA focuses on qualifying work-related injuries and occupational diseases.

Group Personal Accident Insurance can provide broader accident benefits, potentially on a 24-hour basis.

Depending on the policy, GPA may cover employees for accidental:

• Death
• Permanent disability
• Temporary disability
• Medical expenses
• Funeral expenses

A clinic or pharmacy may therefore arrange:

• WIBA for statutory workplace exposure
• GPA for wider personal-accident protection
• Group Life for death from illness or accident
• Group Medical for healthcare benefits

7. Fire and Allied Perils Insurance

A fire, explosion, storm or water incident may damage:

• Clinic rooms
• Pharmacy premises
• Furniture
• Shelving
• Medicines
• Medical equipment
• Computers
• Refrigerators
• Laboratory equipment
• Patient records
• Fixtures

Fire and Allied Perils Insurance may cover selected risks such as:

• Fire
• Lightning
• Explosion
• Storm
• Flood
• Earthquake
• Burst pipes
• Impact damage
• Malicious damage
• Other listed perils

The property schedule should separate:

• Buildings
• Tenant improvements
• Furniture and fixtures
• Medical equipment
• Pharmaceutical stock
• Electronic equipment
• Refrigeration equipment

The policyholder should confirm whether medicines and temperature-sensitive stock require separate treatment under the policy.

8. Burglary and Theft Insurance

Clinics and pharmacies may hold attractive property, including:

• Medicines
• Medical supplies
• Computers
• Diagnostic devices
• Cash
• Mobile devices
• Refrigeration equipment

Burglary Insurance may cover specified property stolen following forcible or violent entry into or exit from the premises.

The policy may require:

• Functional locks
• Burglar alarms
• CCTV
• Security guards
• Reinforced storage
• Police reporting
• Updated stock records

Ordinary stock shortages, employee theft or unexplained disappearance may not qualify as burglary.

Employee dishonesty may require Fidelity Guarantee or Commercial Crime Insurance.

9. Deterioration of Stock Insurance

Some medicines, vaccines, laboratory materials and medical products must be stored within a controlled temperature range.

A refrigeration or power failure may render the stock unusable.

Deterioration of Stock Insurance may protect eligible temperature-sensitive products damaged after an insured event such as refrigeration-equipment breakdown.

The policy may require:

• Functional refrigeration
• Temperature logs
• Maintenance records
• Alarm systems
• Backup power
• Stock inventories
• Immediate incident reporting

It may exclude:

• Expired medicines
• Gradual spoilage
• Poor stock rotation
• Deliberate disconnection
• Failure to maintain equipment
• Utility interruption without the relevant extension

A pharmacy with high-value cold-chain stock should disclose the maximum value stored at any one time.

10. Machinery Breakdown Insurance

Healthcare facilities may depend on:

• Refrigerators
• Freezers
• Sterilisation equipment
• Dental equipment
• Laboratory machines
• Air-conditioning
• Generators
• Compressors
• Water pumps

Machinery Breakdown Insurance may cover sudden and unforeseen internal mechanical or electrical failure.

It normally does not cover:

• Wear and tear
• Corrosion
• Gradual deterioration
• Consumable components
• Poor maintenance

Maintenance agreements and service records should be retained.

11. Electronic Equipment Insurance

Clinics and pharmacies increasingly rely on equipment such as:

• Computers
• Servers
• Point-of-sale systems
• Electronic medical-record systems
• Diagnostic equipment
• CCTV
• Access-control systems
• Printers
• Communication devices

Electronic Equipment Insurance may protect against sudden and accidental physical damage.

Possible extensions may cover:

• Data-restoration expenses
• External data media
• Increased cost of working
• Portable equipment

Electronic Equipment Insurance does not normally replace Cyber Insurance.

12. Cyber Insurance and Patient Data Protection

Healthcare businesses process highly sensitive information, including:

• Patient names
• Identification details
• Diagnoses
• Prescriptions
• Treatment history
• Laboratory results
• Payment information
• Insurance membership details

The Office of the Data Protection Commissioner defines health data broadly to include information relating to a person’s physical or mental health, including past, present and future health records. Its healthcare guidance is intended to help organisations process such information in compliance with data-protection requirements.

A cyber incident may involve:

• Patient-record exposure
• Ransomware
• Email compromise
• Loss of prescription records
• Payment fraud
• System interruption
• Unauthorised employee access
• Accidental disclosure

Cyber Insurance may cover eligible:

• Forensic investigation
• Data restoration
• Legal defence
• Privacy liability
• Notification expenses
• Cyber Business Interruption
• Crisis communication
• Incident-response services

Insurance should be supported by:

• Multi-factor authentication
• Restricted user access
• Secure backups
• Staff training
• Updated software
• Encryption
• Secure disposal of patient records
• Incident-response procedures

13. Business Interruption Insurance

Property damage may force a clinic or pharmacy to close temporarily.

The business may continue incurring:

• Rent
• Employee salaries
• Loan repayments
• Software subscriptions
• Security expenses
• Professional licence expenses
• Utility costs
• Temporary-premises costs

Business Interruption Insurance may protect eligible:

• Lost gross profit
• Continuing expenses
• Increased cost of working
• Temporary operating arrangements
• Additional communication expenses

The interruption generally needs to result from physical damage caused by an insured peril.

Example

A fire damages a pharmacy and destroys part of its stock.

Property Insurance may address eligible physical loss.

Business Interruption Insurance may cover qualifying income lost while the premises are repaired.

The selected indemnity period should consider:

• Repair time
• Replacement of specialist equipment
• Regulatory reinspection
• Restocking
• Reconnection of systems
• Recovery of customer activity

14. Money Insurance

Clinics and pharmacies may collect money through:

• Cash
• Mobile money
• Card payments
• Insurance reimbursements
• Corporate accounts

Money Insurance may cover cash:

• On the premises
• In a locked safe
• In transit to the bank
• In the custody of authorised employees

Different limits may apply during:

• Business hours
• Overnight storage
• Transit
• Safe storage

The policy will not ordinarily cover:

• Accounting errors
• Unexplained shortages
• Voluntary handing over of money
• Employee theft without the relevant extension

15. Fidelity Guarantee Insurance

Employees may have access to:

• Cash
• Medicines
• Purchasing systems
• Inventory
• Supplier accounts
• Electronic payment platforms

Fidelity Guarantee Insurance may cover specified direct financial losses caused by dishonest employees.

It should be supported by:

• Separation of duties
• Stock counts
• Prescription reconciliation
• Daily cash reconciliation
• Restricted system permissions
• Employee screening
• Dual payment approval
• Internal audits

16. Goods in Transit Insurance

Pharmacies, clinics and distributors may transport:

• Medicines
• Medical supplies
• Laboratory samples
• Diagnostic equipment
• Vaccines
• Temperature-sensitive products

Goods in Transit Insurance may protect declared goods against specified risks during transportation.

Important details include:

• Nature of goods
• Maximum value per vehicle
• Packaging
• Temperature controls
• Routes
• Vehicle security
• Overnight storage
• Transport provider

Ordinary Commercial Motor Insurance protects the vehicle. It does not automatically insure the medicines or medical products carried.

17. Commercial Motor Insurance

A clinic, pharmacy or distributor may operate:

• Delivery motorcycles
• Medical-service vehicles
• Ambulances
• Staff vehicles
• Pharmaceutical distribution vans

Each vehicle must be insured under the correct use and motor class.

Potential benefits include:

• Comprehensive vehicle damage
• Third-party liability
• Fire
• Theft
• Windscreen
• Road rescue
• Passenger liability
• Political Violence and Terrorism

An ordinary private motor policy may be unsuitable for regular commercial delivery or ambulance operations.

18. Political Violence and Terrorism Insurance

Property policies may exclude damage caused by:

• Riots
• Civil commotion
• Political violence
• Terrorism
• Certain malicious acts

Clinics and pharmacies can request the relevant extension for:

• Buildings
• Contents
• Equipment
• Stock
• Business Interruption

The schedule should confirm whether income loss is protected as well as the physical property.

Insurance for Different Healthcare Businesses

Small outpatient clinic

A practical package may include:

• Medical Malpractice
• Public Liability
• WIBA
• Property Insurance
• Electronic Equipment
• Cyber Insurance
• Business Interruption

Dental clinic

Additional attention may be needed for:

• Dental chairs
• Imaging equipment
• Sterilisation equipment
• Professional liability
• Machinery Breakdown
• Portable instruments

Diagnostic or laboratory facility

Relevant covers may include:

• Professional Indemnity
• Electronic Equipment
• Machinery Breakdown
• Deterioration of Stock
• Public Liability
• Cyber Insurance
• WIBA
• Goods in Transit for samples

Retail pharmacy

A retail pharmacy may consider:

• Professional Indemnity
• Product Liability
• Pharmaceutical stock
• Deterioration of Stock
• Burglary
• Money
• Fidelity Guarantee
• Cyber Insurance
• WIBA

Wholesale pharmacy or pharmaceutical distributor

A wider programme may include:

• Product Liability
• Product Recall
• Marine Cargo
• Goods in Transit
• Warehouse Insurance
• Business Interruption
• Commercial Motor
• Fidelity Guarantee
• Cyber Insurance

How Much Does Clinic or Pharmacy Insurance Cost in Kenya?

There is no universal premium.

The insurer may consider:

• Type of healthcare service
• Number and qualifications of practitioners
• Annual turnover
• Number of patients
• Professional-indemnity limit
• Previous claims
• Property value
• Equipment value
• Pharmaceutical stock
• Cold-chain exposure
• Number and payroll of employees
• Cybersecurity controls
• Territorial scope
• Number of branches
• Policy excesses

A pharmacy supplying ordinary retail medicine will not receive the same terms as:

• A pharmaceutical wholesaler
• A surgical clinic
• A maternity centre
• A diagnostic laboratory
• A facility handling specialised procedures

A detailed written quotation is required.

Information Required for a Quotation

Business information

• Registered business name
• KRA PIN
• Physical address
• Years of operation
• Annual turnover
• Number of branches
• Claims history

Licensing information

• Facility registration
• Operating licence
• Pharmacy premises licence
• Practitioners’ licences
• Professional qualifications

Clinical information

• Services provided
• Procedures performed
• Patient numbers
• Practitioner categories
• Referral arrangements
• Emergency services
• Consent and record-keeping procedures

Property and stock

• Building value
• Tenant improvements
• Furniture
• Medical equipment
• Maximum stock value
• Cold-chain stock
• Refrigeration equipment
• Backup-power systems

Employee information

• Number of employees
• Occupations
• Annual gross payroll
• Casual staff
• Work locations

Digital systems

• Patient-record system
• Payment platform
• Backup procedures
• Cybersecurity controls
• Data-processing arrangements

Incomplete disclosure may result in inaccurate quotations or claims difficulties.

Common Exclusions to Check

Policies may exclude or restrict:

• Services not declared to the insurer
• Unlicensed practitioners
• Procedures outside professional qualifications
• Known claims or complaints
• Deliberate or criminal acts
• Fines and penalties
• Cosmetic procedures
• Experimental treatment
• Products supplied outside declared territories
• Expired medicines
• Wear and tear
• Poor refrigeration maintenance
• Gradual stock deterioration
• Cyber incidents under ordinary property cover
• Product recall unless extended
• Contractual guarantees
• Treatment performed before the retroactive date

Request the complete policy wording before payment.

How Clinics and Pharmacies Can Reduce Risk

Verify licences

Ensure that:

• The facility is licensed.
• Practitioners hold valid licences.
• Pharmacy premises and personnel are authorised.
• Changes in ownership or services are reported.

Maintain accurate patient records

Keep clear records of:

• Consultation
• Diagnosis
• Prescription
• Treatment
• Consent
• Referrals
• Follow-up advice

Use medicine-control procedures

Maintain:

• Stock rotation
• Expiry-date checks
• Batch records
• Prescription verification
• Restricted access
• Temperature monitoring

Protect cold-chain stock

Use:

• Working refrigerators
• Backup power
• Temperature alarms
• Manual temperature logs
• Maintenance contracts

Maintain incident procedures

Employees should know how to report:

• Dispensing errors
• Patient injuries
• Product complaints
• Data breaches
• Refrigerator failure
• Theft
• Occupational injuries

Secure patient information

Limit access to health data and train employees on confidentiality and safe system use.

What to Do After a Patient Complaint

1. Attend to the patient’s immediate medical needs.
2. Record the complaint accurately.
3. Preserve patient records and relevant products.
4. Notify senior management.
5. Notify the insurer immediately.
6. Avoid admitting liability or promising compensation.
7. Preserve CCTV and staff statements.
8. Follow regulatory reporting requirements.
9. Cooperate with the insurer’s appointed legal or medical experts.

Do not alter clinical records after receiving a complaint.

Corrections should follow accepted professional record-keeping procedures and remain traceable.

Documents Commonly Required for a Claim

Depending on the incident, the insurer may request:

• Claim form
• Policy schedule
• Patient complaint or demand letter
• Court documents
• Patient records
• Consent forms
• Prescription
• Dispensing records
• Product batch details
• Medical reports
• Staff statements
• Practitioner licences
• Facility licence
• Stock records
• Temperature logs
• Police abstract
• Photographs
• Repair quotations
• Financial records

Prompt and organised documentation can reduce avoidable delays.

Common Insurance Mistakes Healthcare Businesses Make

Buying only property insurance

Property cover does not address Medical Malpractice or Professional Indemnity claims.

Assuming Public Liability covers clinical negligence

Public Liability mainly addresses third-party injury or damage connected to the premises and general operations—not professional treatment errors.

Failing to disclose every medical service

Undeclared procedures may fall outside the insured professional activities.

Ignoring cold-chain stock

Ordinary Fire and Burglary Insurance may not cover deterioration after refrigeration failure.

Using outdated equipment values

Specialist equipment can be expensive to replace.

Failing to insure temporary or casual workers

Casual employees may still create WIBA exposure.

Ignoring patient-data risks

A clinic can experience a serious privacy incident without suffering physical property damage.

Choosing a low malpractice limit

A severe patient injury can produce substantial legal and compensation costs.

How to Compare Clinic and Pharmacy Insurance Quotations

Give each insurer the same:

• Professional services
• Practitioner details
• Turnover
• Employee payroll
• Property values
• Stock values
• Equipment
• Claims history
• Required liability limits

Then compare:

• Professional-indemnity limit
• Retroactive date
• Defence-cost treatment
• Public Liability
• Product Liability
• Product Recall
• Pharmaceutical stock
• Cold-chain protection
• Deterioration of Stock
• Business Interruption
• Cyber Insurance
• WIBA
• Policy excesses
• Territorial limits
• Exclusions
• Claims-notification requirements

The cheapest quotation may omit the healthcare business’s most serious exposure.

How Imana Helps Clinics and Pharmacies Compare Insurance

Imana Insurance Agency Kenya Ltd helps clinics, pharmacies, laboratories, medical centres and pharmaceutical businesses compare insurance quotations from suitable licensed insurers.

The process may include:

1. Reviewing the services and products provided.
2. Confirming facility and professional information.
3. Identifying Medical Malpractice and Product Liability exposures.
4. Assessing equipment and pharmaceutical stock.
5. Reviewing cold-chain and business-interruption risks.
6. Preparing employee payroll for WIBA.
7. Comparing premiums, limits and excesses.
8. Reviewing exclusions and retroactive dates.
9. Coordinating policy issuance and renewal.
10. Supporting claims notification and follow-up.

Available solutions may include:

• Medical Malpractice
• Professional Indemnity
• Product Liability
• Public Liability
• WIBA
• Group Personal Accident
• Property Insurance
• Burglary
• Deterioration of Stock
• Machinery Breakdown
• Electronic Equipment
• Cyber Insurance
• Business Interruption
• Goods in Transit
• Commercial Motor

Insurance for Clinics and Pharmacies in Nairobi and Across Kenya

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre
Woodvale Grove, Westlands
Nairobi, Kenya

Imana supports healthcare businesses in:

• Westlands
• Parklands
• Nairobi CBD
• Upper Hill
• Kilimani
• Lavington
• Gigiri
• Kiambu
• Mombasa
• Kisumu
• Nakuru
• Eldoret
• Other parts of Kenya

Website: www.imana.co.ke
Call or WhatsApp: +254 796 209 402

Protect the patients. Protect the professionals. Protect the stock and the healthcare business behind them.

Frequently Asked Questions

What insurance does a clinic need in Kenya?

Common covers include Medical Malpractice, Public Liability, WIBA, Property Insurance, Electronic Equipment, Cyber Insurance and Business Interruption.

What insurance does a pharmacy need?

A pharmacy may require Professional Indemnity, Product Liability, stock insurance, Deterioration of Stock, Burglary, WIBA, Fidelity Guarantee and Cyber Insurance.

Is Medical Malpractice the same as Public Liability?

No. Medical Malpractice concerns alleged professional treatment errors. Public Liability concerns general third-party injury or property damage connected to the premises or operations.

Is WIBA compulsory for clinics and pharmacies?

Yes, employers are required to maintain insurance against liabilities arising under the Work Injury Benefits Act. (Kenya Law)

Does ordinary property insurance cover refrigerated medicines?

Not automatically. Deterioration of Stock or a suitable refrigeration-breakdown extension may be required.

Does Product Liability cover medicine supplied by a pharmacy?

It may cover eligible third-party claims involving declared products, subject to the policy terms and exclusions.

Does Professional Indemnity cover dispensing errors?

It may cover eligible claims alleging negligent professional dispensing or advice, provided the service and practitioner are properly declared.

Does Cyber Insurance protect patient records?

It may cover eligible data-breach, privacy, forensic, restoration and interruption expenses, subject to the policy.

Can one policy cover several clinic or pharmacy branches?

Possibly. Every location, service, employee group, stock value and equipment schedule must be declared.

Can Imana compare healthcare insurance quotations?

Yes. Imana can compare professional liability, property, stock, employee, cyber and business-interruption options from suitable insurers.

The Bottom Line

Clinics and pharmacies face interconnected risks involving:

• Patient care
• Professional advice
• Medicines and medical products
• Employees
• Medical equipment
• Sensitive health records
• Business continuity

A suitable insurance programme should address more than fire or burglary.

Before purchasing cover:

• Confirm that the facility and practitioners are properly licensed.
• Declare every medical and pharmaceutical service.
• Select adequate Medical Malpractice limits.
• Include Public and Product Liability where relevant.
• Protect pharmaceutical and refrigerated stock.
• Maintain WIBA for employees.
• Insure diagnostic and electronic equipment accurately.
• Consider Cyber and Business Interruption Insurance.
• Compare exclusions and retroactive dates.
• Maintain proper clinical, stock and temperature records.

Healthcare organisations protect people every day. Suitable insurance helps protect the professionals, property and business systems that make that care possible.

Imana Insurance Agency Kenya Ltd
Call or WhatsApp: +254 796 209 402
Website: www.imana.co.ke

Protect the care. Protect the medicine. Protect the healthcare business.

Insurance premiums, professional-indemnity limits, retroactive dates, stock conditions, cyber benefits, excesses and exclusions vary between insurers. Licensing and regulatory requirements may change. Obtain current regulatory guidance, written quotations, policy schedules and complete policy wordings before purchasing cover.