The short answer
In Kenya, individual professional indemnity cover for KES 1 million costs from about KES 3,100 a year (an advocate) to about KES 14,300 (a surgeon). A GP pays about KES 17,500–21,000 for KES 5 million; a surgeon about KES 32,000–36,000. Firms are priced on fee income and staff. Levies of 0.45% and KES 40 stamp duty are added.
Doctors
| Cover limit | GP / medical officer | Physician / paediatrician | Dentist | Surgeon, obstetrician/gynaecologist |
|---|---|---|---|---|
| KES 1 million | 6,400 – 7,100 | 7,100 – 7,300 | 7,300 – 8,100 | 12,800 – 14,300 |
| KES 5 million | 17,500 – 20,900 | 20,900 – 22,500 | 22,500 – 25,700 | 32,300 – 35,900 |
| KES 10 million | 26,000 – 30,800 | 30,800 – 32,000 | 32,000 – 37,600 | 40,000 – 45,600 |
| KES 30 million | 43,500 – 50,800 | 48,000 – 50,800 | 48,000 – 56,000 | 62,700 – 70,500 |
Indicative annual premium for doctors in Kenya (KES a year)
- GP / medical officer
- 6,400 – 7,100
- Physician / paediatrician
- 7,100 – 7,300
- Dentist
- 7,300 – 8,100
- Surgeon, obstetrician/gynaecologist
- 12,800 – 14,300
- GP / medical officer
- 17,500 – 20,900
- Physician / paediatrician
- 20,900 – 22,500
- Dentist
- 22,500 – 25,700
- Surgeon, obstetrician/gynaecologist
- 32,300 – 35,900
- GP / medical officer
- 26,000 – 30,800
- Physician / paediatrician
- 30,800 – 32,000
- Dentist
- 32,000 – 37,600
- Surgeon, obstetrician/gynaecologist
- 40,000 – 45,600
- GP / medical officer
- 43,500 – 50,800
- Physician / paediatrician
- 48,000 – 50,800
- Dentist
- 48,000 – 56,000
- Surgeon, obstetrician/gynaecologist
- 62,700 – 70,500
Clinical officers, nurses and allied health
| Cover limit | Clinical officers | Nurses (association scheme) | Nurses, midwives, pharmacists (open market) | Lab, radiography, physio, counselling |
|---|---|---|---|---|
| KES 1 million | 7,600 – 8,500 | — | 8,500 | 10,000 |
| KES 2 million | 13,100 – 17,000 | about 7,100 | 17,000 | 20,000 |
| KES 5 million | 25,000 – 42,500 | about 10,100 | 42,500 | 50,000 |
| KES 10 million | 55,900 – 85,000 | about 15,100 | 85,000 | 100,000 |
Indicative annual premium for clinical officers, nurses and allied health professionals (KES, before levies)
- Clinical officers
- 7,600 – 8,500
- Nurses (association scheme)
- —
- Nurses, midwives, pharmacists (open market)
- 8,500
- Lab, radiography, physio, counselling
- 10,000
- Clinical officers
- 13,100 – 17,000
- Nurses (association scheme)
- about 7,100
- Nurses, midwives, pharmacists (open market)
- 17,000
- Lab, radiography, physio, counselling
- 20,000
- Clinical officers
- 25,000 – 42,500
- Nurses (association scheme)
- about 10,100
- Nurses, midwives, pharmacists (open market)
- 42,500
- Lab, radiography, physio, counselling
- 50,000
- Clinical officers
- 55,900 – 85,000
- Nurses (association scheme)
- about 15,100
- Nurses, midwives, pharmacists (open market)
- 85,000
- Lab, radiography, physio, counselling
- 100,000
PI for clinical officers & nurses
Advocates
| Cover limit | Published range |
|---|---|
| KES 1 million (legal minimum) | from about 3,100 |
| KES 2 million | 5,100 – 10,000 |
| KES 5 million | 10,100 – 11,500 |
| KES 10 million | 20,100 – 42,500 |
| KES 20 million | about 85,500 |
Indicative annual premium for individual advocates (KES)
- Published range
- from about 3,100
- Published range
- 5,100 – 10,000
- Published range
- 10,100 – 11,500
- Published range
- 20,100 – 42,500
- Published range
- about 85,500
Accountants
| Cover limit | Small practice (fees ~KES 0.5M) | Practice with fees ~KES 2M | Practice with fees ~KES 5M |
|---|---|---|---|
| KES 1 million | 5,100 | 8,300 | 19,100 |
| KES 5 million | 8,300 | 11,900 | 22,800 |
| KES 10 million | 12,800 | 16,400 | 27,300 |
| KES 50 million | 49,100 | 52,800 | 63,600 |
Indicative annual premium for accountants (KES, including levies)
- Small practice (fees ~KES 0.5M)
- 5,100
- Practice with fees ~KES 2M
- 8,300
- Practice with fees ~KES 5M
- 19,100
- Small practice (fees ~KES 0.5M)
- 8,300
- Practice with fees ~KES 2M
- 11,900
- Practice with fees ~KES 5M
- 22,800
- Small practice (fees ~KES 0.5M)
- 12,800
- Practice with fees ~KES 2M
- 16,400
- Practice with fees ~KES 5M
- 27,300
- Small practice (fees ~KES 0.5M)
- 49,100
- Practice with fees ~KES 2M
- 52,800
- Practice with fees ~KES 5M
- 63,600
What gets added
Three statutory charges are added to the premium: training levy (0.2%), Policyholders' Compensation Fund levy (0.25%) and stamp duty (KES 40).
Source: Itemised insurer quotes, Oct 2026
The excess you pay on each claim varies by insurer and profession: from a fixed KES 20,000–150,000, to 2% of the limit for doctors, 2.5% (minimum KES 40,000) for clinical officers, and 10% for some allied health professions on one insurer's online scheme.
Source: Published insurer terms (First Assurance, AAR, Madison), Oct 2026
What moves your price
Insurers price PI on your profession and specialty, the limit you choose, your gross annual fees, the number of partners and qualified staff, years of experience, claims history, overseas work and how much of your income comes from one client.
Source: Insurer proposal forms (GA, Kenya Orient, Liberty, Madison), Oct 2026
Professions priced individually
- Hospitals and clinics
- Engineers, architects and quantity surveyors
- Consultants and tech firms
- Brokers, advisers and estate agents
No insurer publishes prices for these; premiums depend on fee income and contract size. Get a quote for an exact figure.
Ways to pay less without cutting cover
- Check association schemes (ICPAK, KRNA and others) before buying on the open market
- Compare insurers: the same GP cover differed by up to about 20% between two insurers
- Choose a higher excess if you can carry it
- Keep cover continuous so you never pay to rebuild a retroactive date
Frequently asked questions
How much does professional indemnity insurance cost in Kenya?
For individuals, published rates start at about KES 3,100–7,100 a year for KES 1 million of cover (advocates and GPs) and rise with your specialty and limit: a GP pays roughly KES 17,500–21,000 for KES 5 million, a surgeon about KES 32,000–36,000. Firms are priced on fee income, staff and claims history. Levies of 0.45% plus KES 40 stamp duty are added.
Are there taxes or levies on top of the premium?
Yes: a 0.2% training levy, a 0.25% Policyholders' Compensation Fund levy and KES 40 stamp duty. A KES 17,500 premium therefore costs KES 17,618.75 in total.
Is there an excess?
Yes. Each claim carries an excess (the amount you pay first). Depending on insurer and profession it is a fixed sum (about KES 20,000–150,000) or a percentage of the limit (2% for doctors on one insurer, 2.5% with a KES 40,000 minimum for clinical officers on another). It is not charged when you buy.
How much cover (limit) do I need?
At least any legal minimum for your profession, then enough to meet the largest claim you could realistically face: think of your biggest contract or fee, what a client could lose through your error, and any limit a client or tender requires. Remember that defence costs usually come out of the same limit.
Can I pay by M-Pesa or in instalments?
Yes. Insurers accept M-Pesa, card and bank transfer, and some offer instalments for individual covers (for example, two instalments within 30 days or three within 60, or salary check-off for some clinical officers). Ask us which options apply to your quote.
Is cover cheaper through my professional association?
Often, yes. Association schemes negotiate fixed rates for members: on published October 2026 prices, a nurse buying KES 5 million of cover through an association scheme paid about KES 10,100, against about KES 42,500 on the same insurer's open-market rate. Ask us to check whether a scheme applies to you.
Want your exact price?
Ranges are a guide. Tell us your profession, limit and fees and we will come back with real quotes.
Licensed by IRA · No obligation · We reply within 1 hour
Sources
- Itemised insurer quotes, Oct 2026
- Published insurer terms (First Assurance, AAR, Madison), Oct 2026
- Insurer proposal forms (GA, Kenya Orient, Liberty, Madison), Oct 2026
- GA, Liberty and First Assurance proposal forms, Oct 2026
- Published professional indemnity rates from Kenyan insurers, checked 5 October 2026
Facts and published prices checked 5 Oct 2026; last reviewed October 2026 by Naveah Capital. Prices are indicative published rates, not a quote or a promise. Naveah Capital Insurance Agency is an IRA-licensed insurance agency in Nairobi; this page is general information, and your policy wording decides your cover.
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