Micro Insurance
Micro Property Insurance
Protect your shop, stock and home essentials.
Affordable protection for small businesses and household assets against fire, theft and accidental damage.
Overview
About Micro Property Insurance
Micro Property Insurance safeguards the hard-earned assets of small business owners, traders and families. Cover your shop stock, equipment, furniture and household goods against fire, theft and accidental damage — with premiums designed for everyday Kenyans.
Key Benefits
- Fire and lightning protection
- Theft and burglary cover
- Accidental damage
- Fast, simple claims
- Flexible sum insured
Coverage Highlights
- Buildings and contents up to policy limit
- Stock in trade for small businesses
- Household appliances and furniture
- Business interruption (optional add-on)
Who's Eligible
- Kenyan resident aged 18+
- Small business owners, traders and households
- Insurable property located in Kenya
Exclusions
- Willful damage or fraud
- Wear and tear
- Property left unattended for extended periods
- Excluded perils listed in policy schedule
Available Plans
Choose the plan that fits your needs.
Basic
KES 500/ 12 months
Coverage up to KES 100,000
Waiting period: 30 days
- Fire and theft up to KES 100,000
- Basic accidental damage
Standard
PopularKES 1,000/ 12 months
Coverage up to KES 250,000
Waiting period: 30 days
- All Basic benefits
- Extended theft cover
- Business interruption 7 days
Premium
KES 1,800/ 12 months
Coverage up to KES 500,000
Waiting period: 30 days
- All Standard benefits
- Higher sum insured
- Business interruption 30 days
- Free annual assessment
Online M-Pesa checkout is coming soon. In the meantime, tap a plan to complete your application with a licensed advisor on WhatsApp.
Claims Process
- 1Notify RiskMate within 7 days
- 2Submit claim form and supporting documents
- 3Assessor inspection where applicable
- 4Settlement within 14 days of approval
FAQs