Business insurance checklist
Short answerChecked 23 September 2026
Print it or keep it on your phone, and go through it with the insurer or broker before you pay. Each point links to the rules for your country below.
- Your compulsory work-injury cover or contribution is in place (WIBA in Kenya, WCF in Tanzania, Workers Compensation Act in Uganda, COIDA registration and Return of Earnings in South Africa); in Ethiopia, you are liable for work injuries whatever the fault, so insure that liability.
- Premises and stock are insured at replacement value.
- Burglary and money cover match what you keep on site.
- Public liability, if customers visit you.
- Goods in transit and marine cargo for imports.
- Every vehicle has the right motor cover for its use.
- Group medical or group life for staff, if you offer it.
- You know each insurer's claims deadline.
The rules in your country
- WIBA insurance in Kenya (WIBA Act 2007): the complete guide for employers and workersKenya
- Business insurance in Uganda: workers' compensation and propertyUganda
- WCF Tanzania: Workers Compensation Fund contributions, claims and benefitsTanzania
- Employment injury and business insurance in EthiopiaEthiopia
- Types of insurance in Ethiopia: what is compulsory, what is optional, and who sells itEthiopia
- COIDA and the Compensation Fund: Return of Earnings, claims, contacts and business insuranceSouth Africa
- Business insurance in Botswana: licensed insurers and workers' compensationBotswana
- Business insurance in Ghana: the covers the law requiresGhana
- Business insurance in Malawi: workers' compensation, property and liabilityMalawi
- Business insurance and employees' compensation in NamibiaNamibia
- Business insurance in Nigeria: the covers the law requiresNigeria
- Business insurance in Rwanda: staff schemes and the cover you buyRwanda
- Business insurance in Zambia: what employers must haveZambia
- Business insurance in Zimbabwe: NSSA work-injury cover and private policiesZimbabwe