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Kiambu is Kenya's second most populous county and functionally part of greater Nairobi - Thika, Ruiru, Juja, Kikuyu and Limuru all feed commuters into the city every morning. That mix of heavy industry, commuter traffic and tea and coffee estates makes it one of the broadest insurance markets in the country.
County HQ
Kiambu
Population
2.4M
Region
Central
Towns Served
7
Local Risk Profile
The Thika Superhighway carries very high traffic volumes and matching accident rates, particularly at the Ruiru and Juja interchanges. Thika's manufacturing belt concentrates fire, machinery breakdown and WIBA exposure, while coffee and tea estates in Limuru and Lari face hail and frost losses.
Main routes we rate against
Thika Superhighway (A2), Nairobi-Naivasha Highway (A104), Eastern Bypass and Northern Bypass
Cover Available
These are the covers that matter most in Kiambu, chosen from what the county actually does. Every other product we write is still available here on request.
Drive with confidence. Every road. Every risk. Covered.
See detailsQuality healthcare, guaranteed. For you and everyone you love.
See detailsYour love for your family is infinite. So is our protection.
See detailsDignity in life's most difficult moment. Without the financial burden.
See detailsAccidents happen. Your income doesn't have to stop when they do.
See detailsYour home is your sanctuary. Let's keep it that way.
See detailsProtect what you've built. Keep your business running, no matter what.
See detailsProtect your employees. Protect your business. It's the law.
See detailsKenya's farmers feed millions. We protect the farmers.
See detailsForced entry shouldn't cost you your business.
See detailsIf a customer gets hurt on your premises, this is what stands between you and the lawsuit.
See detailsProtect your whole team with one policy, not twelve individual ones.
See detailsWhen your production line stops, so does your income. This gets it running again.
See detailsThe broadest cover available for factories, plants, and large industrial sites.
See detailsEverything you value. Covered everywhere you go.
See detailsThe world is yours. Travel it without worry.
See detailsOn the Ground
We arrange cover across the whole county. These are the centres where we write the most business, and what tends to matter in each.
Industrial hub - textiles, food processing and packaging. Fire, WIBA and machinery breakdown cover.
Fast-growing commuter town on the superhighway - motor and household cover dominate.
University town near JKUAT - student medical, motor and rental property cover.
Dense residential growth along the old Naivasha road - home and motor cover.
Tea estates and the highland cold belt - agriculture, WIBA for estate labour.
Kenya's dairy heartland - livestock, transit and cooperative cover.
County headquarters - SME, retail and professional cover.
Questions
Yes, and it is one of our busier commercial markets. Thika factories typically need a combined package: fire and industrial all risks on the building and plant, machinery breakdown, stock cover, WIBA for the workforce and public liability. We place these with underwriters who already have surveyors working in Thika.
It makes no difference to the policy - Kenyan motor and medical cover is national. What matters for motor is where the vehicle is parked overnight, so tell us Ruiru. Your hospital panel will still cover you at Nairobi facilities.
Yes. Livestock cover for dairy animals is available on a per-head basis against death from accident, disease and, in some policies, theft. It is usually written alongside a farm package that includes the milking plant and the delivery vehicle.
Send us what you need covered. Quotes from several underwriters come back the same working day, and cover can start immediately.
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