Overview
Meet your WIBA obligations and protect your business from the cost of employee injuries, illness, or death arising from work — for every category of staff, from clerks to site workers.
Why this cover
WIBA is a no-fault statutory benefit — every employer must compensate an employee for a work-related injury or illness, capped at a maximum of 8 years' salary, whether or not anyone was at fault. Employer's Liability is different: it responds when an employee (or their family) sues you directly, alleging the injury was caused by your negligence — a claim with no statutory time limit and no cap. This cover meets your WIBA obligation and protects you against the Employer's Liability claims that go with it, so neither cost falls on your business directly.
Cover options
WIBA Compensation
Meets your statutory obligation to compensate any employee — from general clerks to site workers — for a work-related injury or illness.
Employer's Liability
Covers you if an employee sues alleging their injury was caused by your negligence, beyond WIBA's statutory limits.
Medical & Funeral Expenses
Covers treatment costs for the injury, plus a contribution toward funeral costs in the event of a work-related death.
Key benefits
Death benefit
Compensation paid to dependants if an employee dies from a work-related injury or illness.
Permanent disability
A lump-sum benefit based on the degree of permanent incapacity suffered.
Temporary disability
Income replacement while an employee recovers and is unable to work.
Medical expenses
Treatment costs for the work-related injury or illness, covered as they're incurred.
Funeral expenses
A contribution toward funeral costs in the event of a work-related death.
Optional add-ons
Tailor your policy with extra layers of protection for a small additional premium.
Employer's Liability Extension
Raises cover beyond WIBA's statutory limits for negligence claims, with no cap on the claim period.
Employee Benefits Liability
Covers errors or omissions in administering staff benefits — e.g. forgetting to enrol an employee in medical cover before a claim arises.
What's not covered
Self-inflicted injury or gross misconduct
Injuries outside the course of employment
Casual workers not declared on the payroll
War, riot, and nuclear risks
Who it's for
Common terms
The Work Injury Benefits Act (2007) — Kenyan law requiring every employer to compensate employees for work-related injury, illness, or death, regardless of fault, capped at a maximum of 8 years' salary.
Also called Common Law Liability — cover for claims where an employee alleges their injury was the employer's fault. Unlike WIBA, there's no statutory cap and no time limit on bringing a claim.
Why Get Workplace Injury Cover Through Cush?
We compare options across trusted underwriters, explain exactly what's covered, and stay with you from your first quote through to claim settlement.
