Kenya Risk Assessment Guide

Insurance in Kenya

Located on the Eastern coast of Africa, Kenya is an agricultural center and boasts one of the more stable political and social environments on the  continent. 

On June 30, 2016, the State Department issued a travel warning for Kenya, cautioning travelers to avoid the Kenya-Somali border area due to threats by the terrorist group al-Shabaab. Travelers should also be aware of potential terrorist threats and the high risk of crime throughout the country. Terrorist attacks involving shootings, grenades, or other explosive devices have occurred, killing and injuring many in Wajir, Garissa, and Mandera counties, and also in the Eastleigh neighborhood of Nairobi. Potential terrorist threats, such as bombings, kidnappings, and attacks on civil aviation, remain in Kenya, including in Kiwayu and several districts within the Nairobi area, along the coast, and within the northeastern region of the country.

  • Health
  • Safety & Security
  • Terrorism

Before leaving your home country, you should visit your primary care physician to discuss vaccinations and other medications. Travel and international health insurance can be necessary to cover any costs accrued while in Kenya. Common illnesses include cholera, malaria and dengue fever.

For access to health providers in Kenya, Clements Worldwide offers comprehensive coverage under its GlobalCare® international health insurance coverage. With up to USD 5 million in health care benefits, Clements’ GlobalCare includes flexible payment options, round-the-clock claims assistance and optional extensions. 

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Kenya.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Some parts of Kenya can be dangerous to expatriates. The FCO recommends avoiding the Somali border, as well as other low-income regions.

Throughout the nation, road conditions and driving standards are sub-standard. Although the matatus (minibuses) are inexpensive to use, they are known for being poorly maintained, badly driven and uninsured. There are frequent reports of passengers getting robbed and hijackings on the matatus.

Clements offers international car insurance, which includes Physical Damage, Third Party Liability and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad. An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

Attacks of piracy have become a serious issue in the Gulf of Aden and the Indian Ocean and extends to 1,000 nautical miles from the coast of Somalia. Shipping and sailing vessels are frequent targets as some mariners still may not be compliance with shipping industry best practices on self-defense measure, including routing. A Maritime Security insurance policy from Clements would be highly recommended for shipping companies operating nearby in the Golf of Eden and the Indian Ocean. This indemnification ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration. 

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Kenya.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The threat of terrorist activity and violent crimes is high throughout Kenya. Frequently targeted locations include government and law enforcement buildings, as well as hotels, bars, restaurants, mosques, churches, bus stations, and supermarkets. Since 2013, there were over 100 deaths from acts of terrorism including shootings, grenades, explosive devices, suicide operations, bombings, car bombings, kidnappings, and attacks on maritime vessels near Kenyan ports. 

On October 27, 2016 a man attacked and stabbed a guard at the United States Embassy, attempting to take his firearm. The perpetrator was shot and killed at the scene by the attacked security officer.

On October 25, 2016 attackers targeted a hotel in Northeastern Kenya, killing 12 people. The attack was claimed by the terrorist organization al-Shahab that asserted that they had targeted non-Muslims.

On October 6, 2016 members of the al-Shabaab militant group attacked and killed six people in the northern part of Kenya. Kenyan military forces responded quickly to contain the threat.

On September 11, 2016, three women were killed as they attempted an attack on a Kenyan police station.

On July 7, 2015, the terrorist group Al-Shabaab ambushed a quarry in an aimed attack on Christians, killing 14 people while allowing Muslims to escape. 

On July 1, 2016, six people were killed and 2 were injured when gunmen opened fire on busses within Kenya's Mandera County on the border with Somalia. No group claimed responsibility, but authorities suspect al-Shabaab.

On April 2, 2015, Shabab militants attacked Garissa University in northeast Kenya in an “operation against the infidels.” The group sieged the campus and separated Muslims and non-Muslims, then let the Muslims go and executed more than 140 non-Muslims.

In June 2014, there were 2 terrorist attacks in Lamu Country, resulting in over 50 deaths. In May 2014, there were 2 improvised explosive devices that went off at the Gikomba market in Nairobi, resulting in 10 deaths and injuring 70. In March 2014, a grenade attack killed 6 people while in January 2014, there was an attack at a restaurant at the Jomo Kenyatta International Airport. 

In September 2013, a major terrorist attack took place at the Westgate shopping center in Nairobi. A number of attackers associated with the al-Shabaab militant group laid siege to the mall for several days, causing nearly 70 casualties and injuring more than 200 others.

Since 2006, there have been armed clashes near Mount Elgon and tribal clashes left over 125 people dead. While these occurrences aren't often targeted at foreigners, expatriates should be vigilant when traveling in remote parts of the country.

Companies with expatriate staff in Kenya are best advised to secure International High Risk insurance from Clements. The policy provides the right coverage for expats and international organizations against the risks of civil unrest, war, riots, looting, and acts of terrorism.

Kidnapping is unfortunately a rather common occurrence in Kenya. The Somali border is one particular hotspot, as is the Garissa District and in coastal areas near Pate Island. There is a strong likelihood of more attacks in the near future. In 2011, armed gangs targeted two British nationals near a beach resort. One was kidnapped, the other killed. While security is tight, these areas remain vulnerable. 

In order to mitigate the risk of tumultuous activities, Clements offers a unique Kidnap and Ransom policy. This coverage ensures financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds. 

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Kenya.

Source: UK Foreign & Commonwealth Office, U.S. Dept of State, and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions