Your Guide to Licensed Insurance Companies in Kenya

Insurance helps protect what matters most — your health, your car, your business, and your future. But how do you know which insurance providers you can trust in Kenya?

That’s where licensing comes in. The Insurance Regulatory Authority (IRA) ensures every licensed insurance company in Kenya meets strict standards. They supervise, regulate, and guide the industry, so you don’t have to guess who’s legit.

In this guide, we share the full list of licensed insurance companies in Kenya for 2025. Whether you’re buying a policy or reviewing your provider, this article helps you make smart, confident choices.

Licensed Insurance Companies in Kenya You Can Trust in 2025

The Insurance Regulatory Authority (IRA) is the government body responsible for licensing insurance companies in Kenya. It was established under the Insurance Act, CAP 487, and ensures that companies operating in the country meet legal and financial standards. By law, no company can offer insurance in Kenya without approval from the IRA.

In 2025, the IRA licensed dozens of companies across three categories — general insurance, life insurance, and reinsurance. These companies are legally allowed to offer insurance products ranging from car and health coverage to life and pension policies.

Knowing that your insurer is licensed gives you peace of mind. You are assured that the company follows the rules, has enough funds to pay claims, and treats customers fairly. Let’s break it down.

General Insurance Companies in Kenya

General insurance covers assets, vehicles, businesses, medical needs, and liabilities. These companies offer products like motor insurance, travel insurance, medical insurance, and property cover.

Here is the full list of licensed general insurance companies in Kenya in 2025:

1. AAR Insurance (Kenya) Limited
2. Africa Merchant Assurance Company Limited
3. NCBA Insurance Company Limited
4. APA Insurance Limited
5. Britam General Insurance Company (K) Limited
6. Cannon General Insurance Company Limited
7. CIC General Insurance Limited
8. Corporate Insurance Company Limited
9. Directline Assurance Company Limited
10. Definite Assurance Company Limited
11. Equity General Insurance (Kenya) Limited
12. Fidelity Shield Insurance Company Limited
13. First Assurance Company Limited
14. GA Insurance Limited
15. Geminia Insurance Company Limited
16. ICEA LION General Insurance Company Limited
17. Intra Africa Assurance Company Limited
18. Jubilee Allianz General Insurance Limited
19. Jubilee Health Insurance Limited
20. Kenindia Assurance Company Limited
21. Kenya Orient Insurance Limited
22. Madison General Insurance Kenya Limited
23. Mayfair Insurance Company Limited
24. MUA Insurance (Kenya) Limited
25. Occidental Insurance Company Limited
26. Old Mutual General Insurance Kenya Limited
27. Pacis Insurance Company Limited
28. Pioneer General Insurance Limited
29. Sanlam General Insurance Company Limited
30. Star Discover Insurance Limited
31. Takaful Insurance of Africa Limited
32. Tausi Assurance Company Limited
33. The Heritage Insurance Company Limited
34. The Kenyan Alliance Insurance Company Limited
35. The Monarch Insurance Company Limited
36. Trident Insurance Company Limited

Long Term Life Insurance Companies in Kenya

These companies specialize in life insurance, pension, investment, and education policies. Their services help Kenyans build financial security for the long term.

Below are the licensed long term (life) insurance companies in Kenya in 2025:

1. ABSA Life Assurance Kenya Limited
2. APA Life Assurance Limited
3. Britam Life Assurance Company (K) Limited
4. Cannon Life Assurance (K) Limited
5. Capex Life Assurance Company Limited
6. CIC Life Assurance Limited
7. Equity Life Assurance (Kenya) Limited
8. GA Life Assurance Limited
9. Geminia Life Insurance Company Limited
10. ICEA LION Life Assurance Company Limited
11. Jubilee Life Insurance Limited
12. Kenindia Assurance Company Limited
13. Kenya Orient Life Assurance Limited
14. KUSCCO Mutual Assurance Limited
15. Liberty Life Assurance Kenya Limited
16. Madison Life Assurance Kenya Limited
17. Old Mutual Life Assurance Kenya Limited
18. Pioneer Assurance Company Limited
19. Prudential Life Assurance Kenya Limited
20. Sanlam Life Insurance Limited
21. Star Discover Life Insurance Limited
22. The Kenyan Alliance Insurance Company Limited
23. The Monarch Insurance Company Limited

Reinsurance Companies Licensed in Kenya

Reinsurance companies insure other insurance companies. They help spread risk and support the industry financially. Kenya has five licensed reinsurance firms:

1. Continental Reinsurance Limited
2. East Africa Reinsurance Company Limited
3. Ghana Reinsurance Company (Kenya) Limited
4. Kenya Reinsurance Corporation Limited
5. WAICA Reinsurance (Kenya) Limited

These companies provide a safety net for local insurers, ensuring stability in case of large claims.

Stay Protected by Choosing Licensed Insurers

Before you buy a policy or renew one, confirm that your insurer is on this list. Dealing with unlicensed providers puts your money and coverage at risk. You can always contact the Insurance Regulatory Authority to verify licensing or raise a concern.

IRA Contact Details:

• Phone: 0719 047000 / 0727 563110
• Email: [email protected]
• Location: Zep-Re Place, Longonot Road – Upper Hill, Nairobi