Kenya · InsuranceCommercial PropertyInsurance
Fire. Theft. Business interruption. Comprehensive cover for Kenyan business premises.
Trusted Cover
Kenya · Acentria
About This Cover
Why Commercial Property Insurance?
A warehouse fire in Industrial Area. A break-in at your Westlands office over the Christmas weekend. Flash flooding in your Kisumu retail unit. Every one of these scenarios can cost millions — and months of lost revenue. Acentria Commercial Property Insurance covers not just the physical damage but the business interruption losses while you rebuild. One policy, complete protection for your entire premises.
"Fire. Theft. Business interruption. Comprehensive cover for Kenyan business premises."
Coverage Details
What's Covered
Commercial Property Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Building structure — offices, factories, warehouses, retail
Machinery, plant, and equipment
Stock and inventory (including refrigerated stock)
Business interruption — lost revenue during downtime
Money in transit and on premises (safe and till)
Glass breakage (shopfronts, partitions)
Employer's liability
All-risks extension for specified valuable equipment
Why Acentria
Why Choose Us
Business Interruption Included
Physical damage alone doesn't tell the full story. Our policies cover your lost profit and ongoing fixed costs (rent, salaries, utilities) while your premises are being restored.
Sector-Specific Underwriting
We understand the difference between a cold-storage facility, a manufacturing plant, and a Nairobi CBD office block. Our cover is tailored, not generic.
Reinstatement Value Cover
We cover full rebuilding and replacement costs at today's prices — no depreciation. Your business is restored, not just partially compensated.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
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Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
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Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Claim
SME Fleet Owner
A Nairobi-based SME fleet owner suffered a serious rear-end collision on the Thika Superhighway. Acentria lodged the claim, appointed an approved repairer, and managed all insurer correspondence. The full repair cost was paid and the vehicle returned to the road in 12 working days — minimising lost business income.
Amount Paid
KES 1,850,000
Settlement
12 days
Health — Emergency Hospitalisation
Corporate Professional
A Nairobi-based corporate professional required an emergency appendectomy at Aga Khan Hospital. Acentria obtained pre-authorisation within 2 hours of notification. The hospital bill was settled directly with the insurer — the client paid nothing out of pocket and was discharged within 5 days.
Amount Paid
KES 340,000
Settlement
5 days
Home — Burglary & Theft
Private Individual
A Karen homeowner returned from travel to find electronics and valuables stolen during a break-in. Acentria lodged the police abstract and supported the client through the claims documentation. New-for-old replacement at current market value was settled in 8 working days — no depreciation applied.
Amount Paid
KES 680,000
Settlement
8 days
Business — Fire & Business Interruption
Industrial Area SME
An electrical fire at an Industrial Area warehouse destroyed a significant portion of stock. Acentria appointed a specialist loss adjuster within 24 hours and activated the business interruption cover simultaneously. Stock replacement and ongoing business expenses were paid throughout the rebuild — total settlement reached in 18 working days.
Amount Paid
KES 4,200,000
Settlement
18 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Commercial Property Insurance.
Speak with one of our Kenya specialists today and get a personalised solution within 24 hours.
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