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. Choosing a licensed insurance company means choosing safety, reliability, and peace of mind. Use this 2025 list to stay informed and protected. [Photo: Courtesy] 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: AAR Insurance (Kenya) Limited Africa Merchant Assurance Company Limited NCBA Insurance Company Limited APA Insurance Limited Britam General Insurance Company (K) Limited Cannon General Insurance Company Limited CIC General Insurance Limited Corporate Insurance Company Limited Directline Assurance Company Limited Definite Assurance Company Limited Equity General Insurance (Kenya) Limited Fidelity Shield Insurance Company Limited First Assurance Company Limited GA Insurance Limited Geminia Insurance Company Limited ICEA LION General Insurance Company Limited Intra Africa Assurance Company Limited Jubilee Allianz General Insurance Limited Jubilee Health Insurance Limited Kenindia Assurance Company Limited Kenya Orient Insurance Limited Madison General Insurance Kenya Limited Mayfair Insurance Company Limited MUA Insurance (Kenya) Limited Occidental Insurance Company Limited Old Mutual General Insurance Kenya Limited Pacis Insurance Company Limited Pioneer General Insurance Limited Sanlam General Insurance Company Limited Star Discover Insurance Limited Takaful Insurance of Africa Limited Tausi Assurance Company Limited The Heritage Insurance Company Limited The Kenyan Alliance Insurance Company Limited The Monarch Insurance Company Limited 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: ABSA Life Assurance Kenya Limited APA Life Assurance Limited Britam Life Assurance Company (K) Limited Cannon Life Assurance (K) Limited Capex Life Assurance Company Limited CIC Life Assurance Limited Equity Life Assurance (Kenya) Limited GA Life Assurance Limited Geminia Life Insurance Company Limited ICEA LION Life Assurance Company Limited Jubilee Life Insurance Limited Kenindia Assurance Company Limited Kenya Orient Life Assurance Limited KUSCCO Mutual Assurance Limited Liberty Life Assurance Kenya Limited Madison Life Assurance Kenya Limited Old Mutual Life Assurance Kenya Limited Pioneer Assurance Company Limited Prudential Life Assurance Kenya Limited Sanlam Life Insurance Limited Star Discover Life Insurance Limited The Kenyan Alliance Insurance Company Limited 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: Continental Reinsurance Limited East Africa Reinsurance Company Limited Ghana Reinsurance Company (Kenya) Limited Kenya Reinsurance Corporation Limited 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: commins@ira.go.ke Location: Zep-Re Place, Longonot Road – Upper Hill, Nairobi