Calculate your WIBA employer insurance premium based on your total annual wage bill and industry risk class, including statutory levies.
What WIBA Requires
The Work Injury Benefits Act (WIBA) obligates every Kenyan employer to insure their workforce against injury, disability, or death arising from work — cover cannot be waived, and employers who don't carry it are personally liable for the statutory compensation. The premium is charged as a percentage of the total annual wage bill across all employees, not a flat per-employee fee.
Why the Rate Depends on Risk Class
Insurers price WIBA cover by how hazardous the work is — an office-based professional services firm pays a much lower rate than a construction or manufacturing employer, because the likelihood and cost of a workplace injury claim differs sharply between them. Select the risk class closest to your industry to load a starting rate, then adjust it once you have an actual quote, since each insurer risk-assesses employers individually rather than using a single published schedule.
Levies on Top of the Premium
Like other general insurance classes, WIBA premiums carry the same two statutory levies: the Policyholders Compensation Fund Levy (0.25%) and the Training Levy (0.2%), both calculated on the base premium.
Is WIBA cover compulsory in Kenya?
Yes. The Work Injury Benefits Act requires every employer to insure their employees against injury, disability, or death arising from work — employers who don't carry cover remain personally liable for the statutory compensation.
Why does the WIBA rate depend on my industry?
Insurers price WIBA premiums by how hazardous the work is. A low-risk office employer pays a much lower percentage of its wage bill than a high-risk construction or manufacturing employer, because injury claims are more likely and more costly in hazardous industries.