Cyber Insurance
Diskava . Beta . Kava
Protect your business against digital risks.
A cyber-attack can expose customer data, lock your systems, stop revenue and damage years of trust. Imana assesses your risks, explains the options and helps you compare cyber insurance quotations from trusted insurers in Kenya, with the right limits, extensions and deductibles.
Compare insurers
Limits & deductibles
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What cyber insurance may cover
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Breach response
Investigation, notification, legal, forensic and crisis-management costs.
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Ransomware & restoration
Cyber-extortion response and recovery of data and systems.
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Business interruption
Lost income after a covered cyber incident.
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Cyber liability
Privacy, network-security and online-content claims against you.
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Cybercrime & phishing
Social-engineering and funds-transfer losses, only where specifically added.
Cover follows the policy wording, limits, deductibles and exclusions. Regulatory penalties are covered only where legally insurable and expressly included.
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Who needs it?
Any organization that stores personal data, takes digital payments, relies on computer systems or serves customers online.
Kenya’s Data Protection Act requires qualifying breaches to be reported to the Data Commissioner within 72 hours. Insurance funds your response, it does not replace cybersecurity or legal compliance.
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What affects the premium?
Pricing factors
There is no standard price. Insurers look at:
- Industry, turnover and number of users
- Type and volume of data held
- Security controls, backups and staff training
- Past incidents, chosen limit and deductible
Compare beyond price
The cheapest policy is not always the strongest. Check:
- Limits and sub-limits
- Exclusions and waiting periods
- Incident-response services included
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What we need for a quote
- Business name and KRA PIN
- Nature of business and turnover
- Number of employees
- Type and volume of data held
- Online platforms and payment systems
- Security and backup controls
- Previous incidents or losses
- Preferred limit and proposal form
Accurate disclosure gets you suitable terms and protects the validity of your cover.
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Get covered in four steps
- Share your business and digital-risk details.
- Complete the cyber-risk questionnaire with our guidance.
- Compare quotations, limits and exclusions.
- Select your cover and receive documents after approval and payment.
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Why Imana
Compare insurer terms
We explain limits and exclusions so you pick cover that fits.
Proposal support
Help completing the cyber-risk proposal form accurately.
Renewals & claims
Ongoing guidance, with remote assistance across Kenya and East Africa.
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Frequently asked questions
Is cyber insurance mandatory in Kenya?
Not generally, but a client, lender, investor or contract may require it. Data-protection obligations apply either way.
Does it cover ransomware?
It may cover defined response, restoration, interruption or extortion costs, subject to the insurer’s terms, security requirements, consent procedures and applicable law.
Can an SME buy cyber insurance?
Yes. Cover is based on your operations, turnover, data held, security controls and preferred limit.
Does it cover phishing or funds-transfer fraud?
Not automatically. These usually need a social-engineering or cybercrime extension with its own sub-limit and deductible.
Does submitting the form mean I am insured?
No. Cover begins only after the insurer accepts the risk, all requirements are met, payment is completed and confirmation is issued.
Free quote
Request a cyber insurance quote
Don’t wait for an incident to reveal the gaps. Let Imana compare cover that fits your business, systems and budget.