• By Raymond Momanyi

Imana Insurance Agency: Simplifying Insurance & Contract Bonds in Kenya

Navigating insurance in Kenya shouldn't be complicated — but for many individuals and businesses, it still is. Confusing policy wording, slow claims processes, and a lack of trust between clients and underwriters have long made insurance feel like a necessary hassle rather than genuine protection. That's the gap Imana Insurance Agency was built to close.

Based in Krishna Centre, Westlands, Nairobi, Imana operates as a digital insurance brokerage, helping individuals, families, and businesses across Kenya find the right cover — without the endless back-and-forth that usually comes with buying a policy.
 

A Client-First Approach to Insurance

 
What sets Imana apart isn't just the breadth of products on offer — it's who they work for. Unlike agents who represent the underwriter's interests, Imana works on behalf of the client. That means:
 

• Comparing quotes across multiple insurers to find the best value
• Explaining policy terms and fine print in plain language
• Staying involved through the claims process, not disappearing after the sale

In a market where trust in insurance can be hard-won, this client-first model is exactly what policyholders in Kenya have been asking for.
 

Core Insurance Products Offered by Imana

 
Imana's portfolio covers the essentials that individuals and businesses in Kenya rely on daily:
 

• Motor Insurance – Private, PSV (Public Service Vehicle), and Commercial vehicle cover
• Motorcycle & Boda-Boda Insurance – Tailored protection for Kenya's fast-growing boda-boda economy
• Health & Medical Insurance – Personal and family medical cover plans
• Life Insurance – Long-term financial protection for policyholders and their dependents
• Corporate & Property Insurance – Protecting business assets, offices, and commercial property
• Travel Insurance – Cover for domestic and international travel, in partnership with mykava.co.ke
• WIBA (Work Injury Benefits Act) Insurance – Mandatory cover protecting employers and employees against workplace injury claims
• COMESA Cross-Border Cover (Yellow Card) – Third-party motor insurance valid across COMESA member states for cross-border travel

Beyond the Basics: Specialized Business & Contract Insurance

 
For contractors, developers, and businesses bidding on tenders or managing large projects, Imana also facilitates specialized covers that are often difficult to source through traditional insurance channels:
 

Contractors All Risks (CAR) Insurance

 
Protects construction and building projects against physical loss or damage during the construction period — covering everything from materials and site works to third-party liability arising from the project. Essential for contractors, developers, and project owners looking to safeguard capital-intensive builds from unforeseen site risks.
 

Contractors Plant and Machinery (CPM) Insurance

 
Covers heavy equipment, machinery, and plant used on construction and industrial sites against damage, breakdown, fire, theft, and accidental loss. For contractors running excavators, cranes, generators, and other high-value equipment, this cover protects against costly downtime and asset loss.
 

Performance Bonds

 
A guarantee to project owners that a contractor will fulfill their contractual obligations as agreed. If the contractor fails to deliver, the bond compensates the project owner — giving both parties confidence to proceed with large-scale contracts.
 

Tender Guarantees (Bid Bonds)

 
Required when bidding for government or private sector tenders, tender guarantees assure the procuring entity that a bidder is serious and financially capable of honoring their bid if awarded the contract. Imana helps businesses secure these guarantees quickly, without the delays that can cost a company a winning bid.
 

Immigration Bonds

 
For individuals and businesses dealing with immigration-related financial guarantees, Imana facilitates immigration bonds that satisfy regulatory requirements — helping applicants meet compliance obligations smoothly.
 
Together, these specialized products make Imana a valuable partner not just for everyday personal insurance, but for contractors, SMEs, and corporates navigating Kenya's construction, procurement, and regulatory landscape.
 

Why Kenyans Are Choosing Digital Insurance Agents and Brokers

 
The shift toward digital insurance brokerage in Kenya reflects a broader demand for transparency, speed, and accountability. Instead of visiting multiple insurance offices or relying on a single underwriter's offering, clients working with a broker like Imana can:
 

• Get multiple quotes in one place
• Understand exactly what they're paying for
• Have an advocate during claims — historically the most frustrating part of the insurance experience in Kenya

Get in Touch with Imana Insurance Agency

 
Whether you need motor cover for your daily commute, WIBA compliance for your staff, a performance bond for an upcoming tender, or Contractors All Risks cover for a construction project, Imana Insurance Agency offers a simpler, client-centered way to get insured in Kenya.
 
Location: Krishna Centre, Westlands, Nairobi Website: imana.co.ke | mykava.co.ke WhatsApp: +254 796 209 402 | +254 113 619 635
 
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