Property Owners' Liability Insurance

Property owners' liability insurance covers a property owner's legal liability when a third party — a tenant, visitor, worker or passer-by — suffers injury or property damage connected to the premises, paying both the legal defence costs and any damages awarded, up to the chosen limit.

Why you need it

A balcony rail gives way. A visitor slips on a wet staircase. A falling roof sheet dents the car parked next door. Owning property means owing a duty of care to everyone who enters or passes it — and Kenyan courts increasingly hold owners to it.

Liability claims arrive with legal costs attached whether or not you were negligent, and defending one out of pocket can cost more than years of premium. We set an indemnity limit that matches your property's footfall and use, and place it with insurers who defend claims properly rather than settle slowly.

What's covered

Injury claims

Legal liability for injury to tenants, visitors, workers and passers-by on or around the property.

Third-party property damage

Damage your property causes to others' property — vehicles, neighbouring buildings, contents.

Legal defence

The cost of defending a claim, including claims that prove unfounded.

Damages & settlements

Amounts you become legally liable to pay, up to your chosen limit.

Who this is for

Landlords and apartment block owners
Commercial building owners with public footfall
Vacant plot and building-under-renovation owners
Institutions — schools, churches, halls — with premises risk

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

Isn't liability already in my building policy?

Sometimes a basic layer is — but limits are often low relative to a serious injury claim. We check what your property policy actually carries and top it up to a realistic limit.

What limit of indemnity should I choose?

It scales with footfall and use: a tenanted block with lifts and workers needs more than a private residence. We'll recommend a limit based on how the property is actually used.

Does it cover my caretaker or watchman being injured?

Employees are covered under WIBA (work injury) cover, not public liability. Most owners carry both; we arrange them together.

Ready to protect the asset?

Share the property details and a specialist will compare insurers and reply within the hour.

Cover My Liability WhatsApp a specialist