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Business Liability Insurance

Keep your business protected from risk and liability claims.

Any company can get sued and face legal fees. One of the reasons you need business insurance is to help cover such costs.  We’ll get you covered in no time.

With Bima Hakika Commercial Property Insurance we have options to suit your business in any industry and any size.

A solution for every business from shopping stalls, cake shops, cafe’ & restaurants, clinics, hospitals to professionals and many others.

Whether you're looking for affordable insurance rates, personalized coverage, or great service, Bima Hakika has you covered for it all!

See how much you could save! Let's get started by completing a short form to help us guide you in the right direction.

Based on your specific cover needs, our expert advisors will offer you a range of options to choose from.

It's fast, free and very easy!

For 10+ years, Bima Hakika has been providing affordable business insurance with outstanding customer service. Come see why your peers love us so much.

What does Business Liability Insurance cover?

Liability insurance helps protect businesses from claims arising from their business activities causing bodily injuries or property damage to others. Big and small businesses both can face liability risks, however the type of liability product changs based on the business activities.

Within each package are coverage types designed to protect all aspects of your business such as

Liability Insurance meant to protect;

Types of Business Liability Insurance covers.

There’s no such thing as a one-size-fits-all insurance solution for businesses small or large, that’s why we offer customisable packages that cover the biggest concerns for all business owners, and make recommendations based on each type of  business.

Employers Liability (EL).

Protects the employer against legal claims from employees that span beyond the benefit limits of a WIBA policy. For example, if you have an injured employee that sues you as the employer, your workers’ compensation insurance can help compensate. And, if that injured worker ends up unsatisfied and goes to court, EL pays the legal fees and provides them with the awarded court settlement.

Public Liability Insurance (PL)

Provides cover for a business if its activities or products it sells accidentally cause property damage or injury to a third party. It helps businesses take care of the associated costs if customers, suppliers, or members of the public are injured or sustain property damage as a result of that business’ activities.  It can help with compensation costs after accidents, slips, trips, and more.

Professional Indemnity Insurance

This is specialty insurance cover that protects a certified practicing and licensed professional from legal action taken against them if someone suffers a loss after following their professional advice or as a result of receiving their service such as Doctor, Lawyers, Engineers etc.

Product Liability Insurance

This is an important insurance product to any company that manufactures products, sells or distributes products or imports products. It covers the company for damage or injury that it might cause to another business or person by the use of its product or service.

Any many more….

From here, you can determine the types of cover that suit your business.

Customers who compared and took out insurance with Bima Hakika have made huge savings. Compare all your preferred insurers with us and we will show you there may be potential savings if you choose to buy the policy with us.

Already Covered? Good, here is something you should know.

If you have been with your existing insurer for a long time, it might be a suitable time to review your insurance policy coverage. Insurance needs change with time, so make sure you are covered accordingly. 

Find out by comparing different providers with us, you could get better premiums and even better coverage. You never know! Until you try.

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Customers Reviews

See what our customers say, join a community of hundreds of happy insurance customers, get a chance to share your experiences and make insurance a norm.


Very Reliable. You are doing a great job, happy to be BH. customer for the past 5 years. Very reliable and best customer support.

Helen Nairobi. A Life Insurance Customer.

The website is very resourceful Am so happy to have discovered BimaHakika.com. The wealth of insurance knowledge is beyond. I now understand my coverage much better.

Mwangi, Nairobi. Online Health Cover Shopper

Thank you for following up and getting my car back on the road within no time. First time seeing such speedy follow up and prompt communication in this industry. You are for keeps BH.

Mzee Joe, Nakuru. A Car Insurance Customer.

Great Customer support The services and help offered by BH. team help me make the right decision. Overall a really great experience.

Cherono Eldoret. A Home Insurance Customer.