WIBA

WIBA, Work Injury Benefits

Protect your employees. Protect your business. It's the law.

The Work Injury Benefits Act (WIBA) 2007 makes it a legal obligation for every Kenyan employer to cover employees against work-related injuries, diseases, and death. Non-compliance carries criminal penalties. Mufasa makes WIBA compliance simple and affordable.

Talk to a Private Advisor How It Works

Coverage Details

What's Covered

Work-Related Death

Lump sum compensation paid to the deceased employee's dependants as prescribed by WIBA.

Permanent Total Incapacity

Full compensation for employees who are permanently unable to work after a work injury.

Permanent Partial Incapacity

Proportional compensation for partial permanent disability resulting from a workplace injury.

Temporary Incapacity

Income replacement paid to employees during recovery from a temporary work-related injury.

Medical Expenses

All medical costs, hospitalization, and rehabilitation arising from work-related injuries.

Occupational Diseases

Diseases contracted as a direct result of the employee's occupation or work environment.

Choose Your Cover

Available Plans

WIBA Standard

Statutory compensation as prescribed by the Work Injury Benefits Act
Death, permanent, and temporary incapacity benefits
Medical expenses for work-related injuries
Compliance certificate for permits and tenders

Get This Plan

WIBA Enhanced

All WIBA Standard benefits
Compensation limits increased above the statutory minimum
Extended medical expense limits
Faster claim turnaround backed by dedicated claims support
Ideal for employers who want to offer more than the legal minimum

Get This Plan

Simple Process

How It Works

Submit Your Payroll

WIBA premiums are based on your total annual wage bill and the risk category of your employees' work.

Compliance Certified

We issue your WIBA compliance certificate, required for business permits and government contracts.

Injury Reported & Claimed

In the event of a workplace injury, we guide the claim process with DOSH and the insurer so you stay legally compliant throughout.

Common Questions

Frequently Asked

Is WIBA mandatory for all employers?

Yes. Every employer in Kenya with at least one employee must have WIBA cover. This includes domestic workers, casual staff, and part-time employees.

What happens if I don't have WIBA?

You'll be personally liable for all injury compensation costs. Additionally, operating without WIBA is a criminal offence under the Work Injury Benefits Act, penalties include fines and imprisonment.

How is the premium calculated?

Premium is a percentage of your total annual wage bill, multiplied by a risk factor based on the nature of the work. Manual and hazardous work attracts higher rates than office-based roles.

Does WIBA cover injuries that happen outside of work hours?

No. WIBA only covers injuries arising out of and in the course of employment. Personal accident insurance provides broader 24/7 coverage.

Can WIBA be bundled with other business covers?

Yes and it's common practice. We regularly bundle WIBA with Group Life, Group Medical, and Public Liability into a comprehensive employee benefits package.

Across Kenya

WIBA cover in your county

We arrange wiba, work injury benefits nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

Ready to get covered?

Get your WIBA insurance quote today, same day cover, zero hassle.

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WIBA, Work Injury Benefits

Protect your employees. Protect your business. It's the law.

What's Covered

Work-Related Death

Lump sum compensation paid to the deceased employee's dependants as prescribed by WIBA.

Permanent Total Incapacity

Full compensation for employees who are permanently unable to work after a work injury.

Permanent Partial Incapacity

Proportional compensation for partial permanent disability resulting from a workplace injury.

Temporary Incapacity

Income replacement paid to employees during recovery from a temporary work-related injury.

Medical Expenses

All medical costs, hospitalization, and rehabilitation arising from work-related injuries.

Occupational Diseases

Diseases contracted as a direct result of the employee's occupation or work environment.

Available Plans

WIBA Standard

Statutory compensation as prescribed by the Work Injury Benefits Act
Death, permanent, and temporary incapacity benefits
Medical expenses for work-related injuries
Compliance certificate for permits and tenders

Get This Plan

WIBA Enhanced

All WIBA Standard benefits
Compensation limits increased above the statutory minimum
Extended medical expense limits
Faster claim turnaround backed by dedicated claims support
Ideal for employers who want to offer more than the legal minimum

Get This Plan

How It Works

Submit Your Payroll

WIBA premiums are based on your total annual wage bill and the risk category of your employees' work.

Compliance Certified

We issue your WIBA compliance certificate, required for business permits and government contracts.

Injury Reported & Claimed

In the event of a workplace injury, we guide the claim process with DOSH and the insurer so you stay legally compliant throughout.

Frequently Asked

Is WIBA mandatory for all employers?

Yes. Every employer in Kenya with at least one employee must have WIBA cover. This includes domestic workers, casual staff, and part-time employees.

What happens if I don't have WIBA?

You'll be personally liable for all injury compensation costs. Additionally, operating without WIBA is a criminal offence under the Work Injury Benefits Act, penalties include fines and imprisonment.

How is the premium calculated?

Premium is a percentage of your total annual wage bill, multiplied by a risk factor based on the nature of the work. Manual and hazardous work attracts higher rates than office-based roles.

Does WIBA cover injuries that happen outside of work hours?

No. WIBA only covers injuries arising out of and in the course of employment. Personal accident insurance provides broader 24/7 coverage.

Can WIBA be bundled with other business covers?

Yes and it's common practice. We regularly bundle WIBA with Group Life, Group Medical, and Public Liability into a comprehensive employee benefits package.