Trusted Insurance Advisory · Nairobi, Kenya

Protecting
What Matters
Most

Reliable insurance solutions for individuals, families and businesses across Kenya. Backed by reputable underwriters, driven by genuine care.

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5,000+Policies Issued
3,200+Happy Clients
98%Claims Supported
Professional insurance advisory team
Top RatedInsurance Agency
Claims Approved
Fast & Hassle-Free Process
Motor Insurance Medical Insurance Life Insurance Travel Insurance Business Insurance Property Insurance WIBA More Products
Why Choose Us

The Hamarkoh Difference

We combine professional expertise with genuine customer care to deliver insurance that works for you.

Trusted Advisory

We simplify insurance so clients make informed decisions with clarity and confidence.

Flexible Plans

Tailored solutions aligned with your lifestyle, goals, and unique risk exposure.

24/7 Fast Support

Responsive assistance available whenever you need us — from quote to claims.

Strong Partnerships

Backed by reputable underwriters to ensure competitive and dependable coverage.

Claims Assistance

We guide you through every step of the claims process with professional support.

Competitive Premiums

Market-competitive pricing without compromising on coverage quality or service.

Customer-Centred

Long-term relationships built through personalized service and communication.

Fast Turnaround

Quick policy processing, renewals, and claims acknowledgment with no unnecessary delays.

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Policies Issued
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Claims Supported
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Years of Service
Our Products

Insurance Solutions

Comprehensive cover for individuals, families, and businesses across Kenya.

Motor Insurance

Comprehensive and third-party cover for your vehicle against accidents, theft, fire and more.

  • Accident Damage Cover
  • Theft & Fire Protection
  • Third Party Liability
  • Windscreen Cover Add-on
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Medical Insurance

Individual and family medical plans covering inpatient, outpatient, maternity and dental care.

  • Inpatient & Outpatient Cover
  • Maternity Benefits
  • Dental & Optical Cover
  • Emergency Evacuation
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Life Insurance

Protect your family's future with affordable life cover, education policies and last expense plans.

  • Life Cover & Death Benefits
  • Education Savings Policy
  • Last Expense Cover
  • Savings & Investment Plans
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Travel Insurance

Comprehensive travel protection for domestic and international trips including medical emergencies.

  • Medical Emergency Cover
  • Trip Cancellation
  • Baggage Loss Protection
  • Flight Delay Cover
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Education Policy

Secure your child's education future with savings and investment-linked education policies.

  • Education Savings Fund
  • Waiver of Premium
  • Critical Illness Rider
  • Flexible Premium Terms
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Savings & Investment

Grow your wealth while staying protected with structured savings and investment-linked insurance plans.

  • Regular Savings Plans
  • Investment-Linked Plans
  • Retirement Planning
  • Capital Growth Options
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Corporate Medical

Group medical cover for your team with comprehensive inpatient, outpatient and wellness benefits.

  • Group Inpatient Cover
  • Outpatient Benefits
  • Dental & Optical
  • Wellness Programs
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Property Insurance

Protect your business assets, premises and inventory against fire, burglary and damage.

  • Fire & Allied Perils
  • Burglary & Theft
  • Business Interruption
  • Contents Cover
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WIBA Insurance

Mandatory work injury benefits cover protecting your employees from workplace accident liability.

  • Work Injury Compensation
  • Death Benefits
  • Medical Expenses
  • Permanent Disability
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Public Liability

Cover against third party bodily injury and property damage claims arising from your business operations.

  • Third Party Injury Claims
  • Property Damage Cover
  • Legal Defence Costs
  • Premises Liability
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Professional Indemnity

Protection for professionals against claims arising from negligence, errors, or omissions.

  • Negligence Claims
  • Errors & Omissions
  • Legal Costs Cover
  • Breach of Duty
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Cyber Insurance

Protect your business from digital threats, data breaches, and cyber attacks.

  • Data Breach Response
  • Cyber Extortion Cover
  • Business Interruption
  • Third Party Liability
Learn More
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About Hamarkoh

A Dynamic, Customer-Focused Insurance Agency

Hamarkoh Insurance Agency is based in Karen, Nairobi — committed to helping individuals, families, and businesses navigate uncertainty with confidence through tailored insurance and financial protection solutions.

Our approach is centred on trust, accessibility, and long-term relationships. We believe insurance should protect against risk while empowering growth, stability, and peace of mind.

Discover Our Story Contact Us

Our Vision

To become one of Kenya's most trusted insurance advisory agencies.

Our Mission

Protecting clients through reliable advisory and customized solutions.

Our Values

Integrity, excellence, reliability and genuine partnership.

Our Location

Karen 31, Nairobi, Kenya — serving clients nationwide.

Sectors We Serve

Industries We Serve

SMEs & Start-ups

Tailored protection for growing businesses at every stage.

Construction & Real Estate

Comprehensive cover for projects and property portfolios.

Retail & Hospitality

Protecting businesses that serve communities every day.

Transport & Logistics

Fleet, cargo and transit protection for moving businesses.

Professional Services

Indemnity and liability cover for consultants and advisors.

Families & Individuals

Personal protection plans that fit your life and budget.

Corporate Organizations

Enterprise-grade solutions for large organizations.

NGOs & Social Sector

Affordable cover for organizations creating community impact.

Explore All Industries
Client Testimonials

What Our Clients Say

★★★★★
Hamarkoh made getting motor insurance incredibly simple. Their team explained all the options clearly and found me a competitive premium. When I had a minor accident, the claims process was smooth and professional.
James MwangiBusiness Owner, Nairobi
★★★★★
As a small business owner I was overwhelmed by insurance options. Hamarkoh's advisor designed a package covering medical, WIBA and property. The peace of mind I have now is priceless.
Grace AkinyiSME Director, Kisumu
★★★★★
I've been with Hamarkoh for three years. Their responsiveness and genuine interest in client welfare sets them apart. When my family needed medical cover, they handled everything efficiently.
David OchiengEngineer, Mombasa
★★★★★
The travel insurance I got through Hamarkoh saved me from a stressful situation when my flight was cancelled. Everything was covered seamlessly. Their team was reachable even when I was abroad.
Amina HassanMarketing Manager, Nairobi
Our Partners

Trusted Underwriter Partners

Frequently Asked Questions

Common Questions

Everything you need to know about insurance, our services and how we work.

Insurance provides financial protection against potential future losses. If something goes wrong — an accident, illness, fire or theft — the financial impact is managed by the insurer, not borne entirely by you.

Click the "Get Quote" button, fill in the short form, and an advisor will contact you within 24 hours with personalized options. You can also WhatsApp or call us directly.

Contact us immediately after the incident via phone, WhatsApp, or email. Our claims team will guide you through documentation and submission to the underwriter. We advocate on your behalf throughout.

Our advisors conduct a personal risk assessment and recommend solutions tailored to your specific circumstances — your assets, family situation, business activities, and risk exposure.

Motor claims typically take 7–21 days. Medical reimbursements can be faster. We always advocate on your behalf to ensure the fastest possible turnaround.

Yes, many insurance products offer flexible payment options including monthly, quarterly, or annual payments. Our advisors will help you choose a plan that suits your budget.

Third-party covers damage or injury to others only. Comprehensive covers both third parties and your own vehicle against accidents, theft, fire, and other perils.

Yes. Under the Traffic Act, every motor vehicle on Kenyan public roads must have at minimum a valid third-party insurance policy. Driving without valid insurance is a criminal offence.

Absolutely. We serve businesses of all sizes with solutions including corporate medical, WIBA, property, liability, professional indemnity, marine, and cyber insurance.

Travel insurance protects you against unexpected events while travelling — medical emergencies, trip cancellation, lost baggage, flight delays, and more. Available for single trips or annual multi-trip plans.

WIBA (Work Injury Benefits Act) insurance is mandatory for all employers in Kenya. It covers employees who suffer injuries or death from work-related accidents. Every employer must have valid WIBA cover.

Yes, typically at your policy renewal date. We review your current policy, identify any gaps, and provide a competitive alternative. We handle all the paperwork for a seamless transition.

Yes. We offer education savings policies, endowment plans, and retirement income options that combine financial protection with structured wealth growth.

Call us on 0143 219 462, email info@hamarkoh.co.ke, WhatsApp +254 143 219 462, or visit Karen 31, Nairobi.

Licensed Insurance Agency
Secure & Confidential
Industry Certified
Professional Advisors
Trusted by 3,200+ Clients
Fast Claims Support
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Ready to Protect What Matters Most?

Get a free, no-obligation insurance consultation from our expert advisors. We find the right cover at the right price — for you.

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