School Insurance Cover in Kenya

A school typically needs fire and burglary cover for buildings, dormitories and equipment; motor cover for school buses; personal accident cover for pupils; public liability; fidelity and money cover for fees; and WIBA for teaching and support staff, which is compulsory for every employer. Some insurers offer a school package that bundles these into one policy for the institution.

Every school vehicle needs at least third-party motor insurance; driving without it is an offence. Vehicles carrying passengers for hire or reward must also cover passengers. School bus policies are usually comprehensive and include passenger legal liability, often rated per seat, so declare each bus's seating capacity. Pupils' personal accident cover adds benefits regardless of fault.

Every PSV must carry third-party insurance that also covers its passengers, because vehicles carrying passengers for hire or reward must insure passenger liability under Cap 405; insurers need not pay more than KES 3 million for any one person's claim. Most owners add comprehensive cover for the vehicle itself.

Yes. Section 7(1) of the Work Injury Benefits Act requires every employer in Kenya to insure its liability to employees for work injuries and occupational diseases. There is no exemption for small employers, so a business with one employee needs cover, and casual workers engaged for your business count. Not insuring is a criminal offence.

Public liability insurance pays compensation and legal costs if your business is legally liable for injury to, or the death of, a customer, visitor or other member of the public, or for damage to their property. Claims usually arise from slips, falls, falling objects or work done at a client's site. It does not cover your own employees, which is WIBA and employers' liability.

Fidelity guarantee pays for money or stock you lose through fraud, forgery, embezzlement or theft by your own employees. You can insure named people, named positions such as cashiers and storekeepers, or all staff. The dishonest act must happen while the policy is in force and be discovered within a set period, typically six to 12 months after the employee leaves or the policy ends.

Most property policies carry an 'average' condition: if you insure for less than the true value, the insurer cuts your claim in proportion. Insure a property worth KES 10 million for KES 5 million and a KES 2 million loss pays about KES 1 million. Review your sums insured at every renewal, especially stock that rises during busy seasons.