Work Injury Benefits Act (WIBA)

WIBA Insurance is an insurance policy that helps employers meet their statutory obligations under Kenya's Work Injury Benefits Act, 2007. It provides protection against eligible compensation claims arising from employees suffering work-related injuries, occupational diseases, permanent disability or death.

Under the Work Injury Benefits Act, employers have statutory obligations to maintain insurance arrangements for their liability to employees arising from occupational accidents and diseases. Employers should ensure that they have appropriate WIBA protection covering their eligible employees.

WIBA Insurance is relevant to employers across different sectors, including SMEs, corporates, factories, schools, hospitals, hotels, construction companies, farms and professional organisations. The policy should reflect the employees covered, their roles and the applicable wage information.

WIBA Insurance helps meet applicable statutory compensation obligations relating to medical expenses, temporary disablement, permanent partial or total disablement, death resulting from a qualifying work-related accident or disease, and other eligible statutory benefits.

WIBA Insurance premiums are generally determined by the employer's annual wage bill, number of employees, nature of business and occupational risk classification. An office-based organisation may have a different risk profile from a construction or manufacturing company.

It may cover injuries occurring outside the employer's physical premises if they arise out of and in the course of employment and meet the applicable statutory requirements. For example, an employee injured while carrying out authorised work duties away from the office may qualify.

Yes. WIBA provides for compensation in respect of qualifying occupational diseases arising from workplace exposure or employment-related activities, subject to the statutory requirements.

WIBA Insurance addresses an employer's statutory compensation obligations for qualifying work-related injuries and occupational diseases. Group Personal Accident Insurance provides agreed accident benefits to insured group members, potentially covering accidents occurring outside work. The two covers serve different purposes and can complement each other.

WIBA may apply to casual, temporary and other employees who fall within the Act's definition of an employee. Employers should not assume that a worker is excluded simply because they are not on a permanent contract.

The employer should arrange appropriate medical attention, document the incident, notify the relevant authorities within applicable statutory timelines and inform the insurer promptly. Supporting documents may include medical reports, employee details, accident reports, wage information and the relevant statutory forms.

It may cover injuries occurring outside the employer's physical premises if they arise out of and in the course of employment and meet the applicable statutory requirements. For example, an employee injured while carrying out authorised work duties away from the office may qualify for compensation.

Yes. WIBA provides for compensation in respect of qualifying occupational diseases arising from workplace exposure or employment-related activities, subject to the statutory requirements.

The employer should arrange appropriate medical attention, document the incident, notify the relevant authorities within applicable statutory timelines and inform the insurer promptly. Supporting documents may include medical reports, employee details, accident reports, wage information and the relevant statutory forms.

WIBA may apply to casual, temporary and other employees who fall within the Act's definition of an employee. Employers should not assume that a worker is excluded simply because they are not on a permanent contract. It is important to disclose the categories of workers engaged and confirm their inclusion under the policy.