Protection for what matters most.
Hace Insurance arranges motor, medical, life, property, marine and business cover with Kenya's leading underwriters — and represents your interests, not theirs.
Personal & family
Find your cover
Motor, medical, life, travel, home and more — quoted across licensed underwriters, explained plainly.
Explore all 16 productsClaims support
Report a claim in minutes. We notify the insurer, gather documents and push it to settlement.
Report or track a claim13
Underwriter partners
Business & corporate
Group medical, WIBA, fleet, property and liability programmes on one renewal date.
See business coverWhy Hace
A brokerage built around service, not paperwork
We handle placement, servicing and claims so you can get on with life and business.
Independent advice
We are not tied to one underwriter. We compare the market and recommend the terms that actually fit your risk.
Fast turnaround
Quotation requests are answered the same working day during business hours, with documents issued as soon as cover is confirmed.
Claims you don't fight alone
We notify the insurer, assemble your documents and push the file through to settlement on your behalf.
Insurance products
Cover for every part of your life and business
Motor Insurance
Cover for your vehicle and your liability to others, arranged across leading Kenyan underwriters. We place private, commercial, PSV and special-type risks, and handle the paperwork so your certificate is issued without delays.
Learn more Life & HealthMedical Insurance
Health cover for individuals, families and organisations, placed with insurers offering wide provider panels across Kenya and the region. We help you compare inpatient limits, outpatient benefits, waiting periods and provider networks before you commit.
Learn more Life & HealthLife Assurance
Life protection and investment-linked plans that secure your family's financial position if you are no longer there. We help you size the sum assured against your real obligations — school fees, loans and dependants.
Learn more PersonalPersonal Accident
A cost-effective benefit that pays out on accidental death, disability or injury, and covers accident-related medical expenses. Available for individuals, families, and groups such as staff, students and sports teams.
Learn more PersonalTravel Insurance
Travel cover for medical emergencies abroad, trip disruption and lost baggage, including Schengen-compliant policies where a visa requires proof of insurance.
Learn more BusinessProperty & Fire
Protection for homes, commercial buildings, contents and stock against fire, natural perils, burglary and allied risks — arranged for landlords, homeowners, retailers and industrial premises.
Learn more BusinessMarine Insurance
Marine cargo and goods-in-transit cover for importers, exporters, distributors and logistics operators, arranged per-shipment or under an annual open cover.
Learn more BusinessEngineering Insurance
Cover built for construction and industry: contractors' all risks, erection all risks, machinery breakdown, plant and electronic equipment.
Learn more BusinessLiability Insurance
Protection against legal liability to third parties — customers, the public, employees and regulators — including defence costs and awards made against your business.
Learn moreFor business
Programmes for SMEs, corporates and institutions
One renewal date, one advisor and a schedule your finance team can actually read.
How it works
From enquiry to settled claim
A simple, transparent process with a named advisor at every step.
Tell us what you need
Share a few details online, on WhatsApp or by phone. No paperwork to start.
We market your risk
Your advisor compares terms across licensed underwriters and explains the differences plainly.
Cover is placed
You approve the option you want, we arrange payment and the insurer issues your documents.
We stay with you
Servicing, endorsements, renewals and claims — one advisor, one phone number.
Trusted by industry leaders
We place business with licensed Kenyan and regional underwriters
Organisations we serve
FAQs
Questions clients ask us first
Is Hace Insurance licensed?+
Yes. Hace Insurance Limited is duly registered and licensed by the Insurance Regulatory Authority (IRA) of Kenya.
Does using a broker cost me more?+
No. Our remuneration comes from the insurer as part of the standard premium structure. You get market comparison, placement and claims support at no separate charge.
How quickly can I get a quotation?+
Submit a request online and an advisor responds during business hours, usually the same working day. Complex corporate programmes take longer because they are marketed to several underwriters.
Which insurers do you place business with?+
We work with a range of licensed Kenyan and regional underwriters and recommend the one whose terms best fit your risk — we are not tied to any single insurer.
How do I pay my premium?+
Premiums can be paid by M-Pesa Paybill 4118691 using your full name as the account number, or by bank transfer. Always confirm payment details with your advisor before paying.
What do I do when I need to claim?+
Report it to us immediately through the Claims Centre, by phone or on WhatsApp. We notify the insurer, tell you exactly which documents are needed and follow the file through to settlement.
Talk to an advisor today
Tell us what you need to protect and we will compare the market and come back with clear options.