We provide legal support to insurers, policyholders, brokers, and corporate clients in matters involving insurance coverage, claims management, policy interpretation, liability disputes, and regulatory compliance.
Insurance is only as good as the claim that is paid
People buy insurance for peace of mind, yet many only learn what their policy really says when they make a claim. A motor accident, a fire at business premises, a medical emergency, a loss of crops or a death in the family can quickly turn into a dispute if the insurer delays, reduces or refuses payment. Our insurance law advocates act for policyholders, claimants, brokers and insurers, giving clear advice on coverage and helping to resolve disputes fairly.
Insurance in Kenya is regulated by the Insurance Act and overseen by the Insurance Regulatory Authority. Policies are contracts, so general contract principles apply, along with special rules such as the duty of utmost good faith, insurable interest and the requirement to disclose material facts.
Understanding your policy and making a claim
Policy wording can be complex, with exclusions, conditions, excesses and notice requirements that are easy to miss. We read your policy with you, explain what is covered, and advise whether a refusal of your claim is justified. We also help you prepare a claim properly, because the way a claim is notified, documented and supported often affects the outcome. Delays in reporting, missing documents and inconsistent statements are common reasons for rejection, and they can usually be avoided with timely advice.
For motor insurance in particular, we assist victims of road accidents and vehicle owners with third-party claims, claims against insurers and the interaction between insurance cover and court proceedings.
Disputes with insurers
If your claim has been rejected, undervalued or ignored, you have options. We begin by writing to the insurer to set out your rights and requesting a proper explanation. Many disputes are settled at this stage. If they are not, we can pursue the matter through the insurer's internal complaints process, the Insurance Regulatory Authority, mediation or, where necessary, a court claim. We explain each route, its likely cost and its timelines, so you can choose what suits you.
Time limits apply to insurance claims and to court actions on them, so do not wait too long before getting advice.
Advice for insurers, brokers and businesses
We also work with insurance intermediaries and companies on policy documents, claim handling procedures, regulatory compliance and the defence of liability claims. For businesses, we advise on whether their cover is adequate for the risks they face, including liability, property and employee-related risks, and on how to resolve disputes with insurers without damaging commercial relationships.
If you have a policy you do not fully understand, a claim that has been refused, or a dispute with an insurer, speak to us. Bring the policy document, the claim form, any correspondence and supporting evidence, and we will advise on the best way forward.
Practical steps after a loss
After an accident, fire, theft or death, report the event promptly to the insurer and, where appropriate, to the police. Keep the policy, premium receipts, photographs, repair estimates, medical reports and all correspondence. Avoid signing a discharge or settlement form until you understand what rights you are giving up. These simple steps often decide whether a claim succeeds, and we are happy to review them with you before you reply to the insurer.
At a glance: what we handle
- Insurance coverage advice
- Claims management
- Policy interpretation
- Liability disputes
- Regulatory compliance