Commercial Property Insurance in Kenya
Protect your building. Protect your operations. Protect the value of your investment.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Commercial property insurance protects an income-generating building — offices, retail premises, warehouses, hotels and mixed-use developments — against fire, special perils, theft and related damage, and can extend to the owner's liability and the rental income the building produces.
Why you need it
What happens if your building becomes temporarily unusable? A fire, flood or structural incident doesn't just damage the asset — it interrupts every tenancy, every lease obligation and every shilling of income the property generates. For a commercial owner, the building and its income stream have to be protected together.
We structure cover around how your building actually earns: the reinstatement value of the structure, the plant and equipment inside it, the liability that comes with public access, and the rent that stops when the doors close. Then we compare 9+ of Kenya's leading insurers so the premium reflects the risk — not one company's price list.
What's covered
Building & structure
Fire, lightning, explosion, storm, flood and special perils — insured at full reinstatement value, not market value.
Owner's liability
Injury to visitors, tenants and third parties on or around the property.
Loss of rent
The rental income the building can't earn while insured damage is being repaired.
Plant & equipment
Lifts, generators, pumps, solar installations and fixed machinery.
Who this is for
- Owners of office buildings, retail premises and showrooms
- Warehouse, godown and industrial facility owners
- Hotels, mixed-use developments and shopping centres
- Companies that own the premises they trade from
Why arrange it through Naveah Capital?
Property risk is priced very differently from one insurer to the next — construction type, occupancy and claims record all move the premium. As an independent, IRA-licensed broker we place your risk where the terms are strongest across 9+ of Kenya's leading insurers, set sums insured at true reinstatement value so claims pay in full, and manage every claim from notification to settlement. It costs you nothing extra, and it's how our clients reach a 97% claims success rate.
Frequently asked questions
How is the sum insured calculated for a commercial building?
On reinstatement value — what it would cost to rebuild today, including professional fees and debris removal — not the market or purchase price. Under-insure and every claim is proportionally reduced; we help you set the figure correctly.
Can one policy cover the building, liability and rent?
Yes. A combined commercial property programme typically packages material damage, property owners' liability and loss of rent under one renewal — usually cheaper and simpler than separate policies.
Does tenant activity affect my premium?
It can. Occupancy type (office vs manufacturing vs storage of flammables) changes the risk profile. Tell us how the building is used and we'll match insurers who rate that occupancy well.
Ready to protect the asset?
Share the property details and a specialist will compare insurers and reply within the hour.
Request a Property Review
A few quick questions — we reply within the hour.
Thank you — we've received your request.
Farzana Sumra will personally contact you within the hour with your best options.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
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