Kenya Insurance

Kenya insurance should be a main concern when working in this vibrant and diverse country. Occasional terrorist attacks, the high risk of crime, and the unstable security situation along many of its borders, particularly with Somalia, are of concern. Specialist Kenya insurance is recommended for any high-risk business activity.

Potential problems in Kenya

Although in the past it’s had its share of violent civil unrest, the current political situation in Kenya is relatively stable. The main potential threats come from increasing terrorist activity from the Somali based Islamist group Al Shabaab.

Al Shabab are known to be targeting Kenyan institutions and foreign nationals. They have claimed responsibility for a number of attacks including the Westgate Shopping Centre siege that killed 67 people in September 2013 and other more recent atrocities. According to the FCDO, terrorists are very likely to try to carry out attacks in Kenya, including terrorist kidnappings targeting Westerners. Attacks could occur at any time, including around religious or public holidays. Attacks could be indiscriminate in places frequented by foreigners.

Crime also presents a threat to foreign nationals. Mugging, armed robbery and carjacking can happen at any time but are most prevalent in the poorest areas of Nairobi and Mombasa. 

If you have business arrangements here, Trade and Political Risk insurance is worth consideration. Kidnap for ransom is also on the increase and you may want to include provision for Kidnap insurance in your Kenya insurance. Public demonstrations do occur and can turn violent so you’re advised to avoid them if possible.

There are some very good private hospitals in Kenya including the Aga Khan Hospital group, but they are relatively expensive. As an expat, for anything other than minor treatment, most people would probably prefer to travel to Europe (or South Africa) and a quality private Medical insurance policy is essential.