LIABILITY INSURANCE

When running any thriving business you face risks daily, from accidental injuries to professional missteps. Liability insurance is your shield, absorbing financial blows and legal exposure so your business can thrive uninterrupted. 

Therefore, liability insurance safeguards you from these risks by covering costs associated with injury, property damage, and legal expenses, allowing you to operate with peace of mind.

Unlike other types of insurance, liability insurance policies pay third parties, and not policyholders

At Burst Insurance Agency, we don’t just sell insurance, we help you build resilience.

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COMMON LIABILITY INSURANCE POLICIES IN KENYA

Insurance Name & What it Covers
  • WIBA - Compensates employees for work-related injuries, illnesses, disability, or death. This policy Operates on a no-fault principle as such employees don’t need to prove that an employer was negligent
  • Group Personal Accident - Covers accidental injuries, Permanent Disabilities or Death for a group (e.g., employees, students). Ideal for non-work-related incidents; often bundled with WIBA for full protection
  • Group Life Insurance: Provides life cover to employees under a single policy. Covers risks such as Permanent disability, Critical illness, and in the unfortunate event of Death a benefit is paid to the beneficiaries.
  • Public Liability Insurance: Focuses on injuries or property damage suffered by members of the public due to business activities.
  • Carriers Liability Insurance: Covers transporters for goods in their custody, for risks such as Accidental loss or damage during transit, Loading/unloading risks & Legal liability under contract of carriage
  • Product Liability Insurance: Protects manufacturers, distributors, and sellers from claims due to defective products, covers risks such as Bodily injury or property damage caused by products, Legal defense and compensation cost, Design, manufacturing, and labeling defects
  • Directors & Officers (D&O) Liability Insurance: Shields company leaders from personal liability due to decisions made in their roles. Covers risks such as Legal defense costs, Settlements and judgments & Claims from shareholders, regulators, or employees
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Who Needs It?

  • Contractors, freelancers, and consultants

  • Manufacturing and distribution firms

  • Marketing and creative agencies

  • Transport and logistics providers

  • Medical, legal, and financial professionals

  • Retail shops, cafés, and event venues

  • Employers of all sorts
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