Domestic Workers Insurance
Legally required WIBA cover for housekeepers, guards, nannies, gardeners, and other domestic employees — typically from KES 3,500 per worker per year.
Under the Work Injury Benefits Act (WIBA), every Kenyan household that employs domestic staff — housekeepers, guards, nannies, gardeners, drivers — is legally required to insure against work-related injury, disease, or death. The Act applies regardless of the number of employees: even a single domestic worker triggers the obligation. Enforcement has tightened materially in recent years, and DOSHS now actively pursues household non-compliance.
Vike has streamlined the placement process so a typical 1–3 worker household pays a flat annual premium starting from about KES 3,500 per worker, with cover bound within 48 hours of application. Most households we speak to are surprised at how cheap the cover is — and at how exposed they were before. The peace of mind, both legal and human, is genuinely disproportionate to the cost.
What It Covers
Medical expenses for treatment of work-related injuries
Temporary disability benefit — wage replacement while recovering
Permanent disability lump sum calibrated to WIBA scale and the worker's earnings
Funeral expenses on work-related death
Compensation to dependants on work-related death
Legal defence costs for claims against the employer
Common law / Employers' Liability extension (optional but recommended)
Cover for occupational diseases arising from the work
Who It's For
Households employing housekeepers, nannies, or cooks
Households with day or night guards (often provided through a security firm — confirm cover)
Households with drivers, gardeners, and pool attendants
Apartment owners with regular cleaners under direct contract
Anyone employing domestic help on a recurring basis, even part-time
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Single Worker Cover
Cover for one named domestic employee. Cheapest entry point; many households start here when formalising long-standing arrangements.
Household Block Cover
Covers up to a defined number of workers (e.g. 4 or 6) on one policy without naming each individual. Suitable for households with rotating or temporary staff.
Domestic WIBA + Employers' Liability
Adds common-law cover for negligence claims beyond the WIBA schedule (often relevant for serious injuries with large potential damages awards). Strongly recommended.
Domestic WIBA + Personal Accident Top-Up
Adds a personal accident layer for the worker — paying a defined sum assured on accidental injury regardless of fault. A meaningful benefit enhancement at modest cost.
Real-World Scenarios
Housekeeper falls down stairs
Medical treatment paid in full; temporary disability benefit (a percentage of wages) covers the 6 weeks she is unable to work. No out-of-pocket cost to the household, and full legal compliance with WIBA.
Guard injured intervening in a break-in
WIBA covers the medical costs and any permanent disability lump sum. Employers' Liability extension defends against any negligence claim the guard or his family might bring against the homeowner for failing to provide protective equipment or training.
Nanny diagnosed with occupational asthma
Occupational disease cover responds to the medical treatment and, if the condition is severe enough, any permanent disability rating. Disclosure at policy inception is important to avoid disputes about pre-existing conditions.
Optional Benefits & Add-ons
Common law / Employers' Liability extension
Personal accident top-up for the worker
Medical extension above the WIBA scheduled limit
Last expense / funeral cover
Repatriation costs for non-Kenyan workers
Substitute worker costs during disability
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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