Kenya’s marketplace never sleeps. From Mombasa’s port to Nairobi’s industrial heart, goods are always on the move—connecting people, fueling growth, and powering dreams.
But if you’ve ever shipped anything across borders, you know the journey isn’t always smooth. Delays, damage, and unexpected losses are part of the territory. That’s where cargo insurance comes in—a vital shield that lets you do business with confidence, no matter what bumps you hit along the way.
Why Cargo Insurance Is Essential
Here’s the reality: under international shipping rules, freight forwarders only pay out if you can prove they’re at fault for a loss. And even then, compensation is pegged to the weight or number of packages, not the real value of your goods. For high-value shipments, that can leave you exposed—recovering just a fraction of your investment if things go wrong. Cargo insurance fills that gap, protecting your goods up to their true value against any external risk, whether you’re shipping by air, sea, road, or rail.
A New Era for Marine Insurance in Kenya
From 14 February 2025, the Kenya Revenue Authority (KRA) and Insurance Regulatory Authority (IRA) rolled out a new directive: all imports into Kenya must be insured with a locally licensed insurer. This update to Section 16A of the Marine Insurance Act (via the Finance Act, 2017) means every importer needs a digital marine cargo insurance certificate—issued through connected online platforms and automatically submitted to KRA’s customs system before clearance. It’s a move that not only strengthens local insurers but also introduces new compliance checkpoints for importers.
DHL’s Cargo Insurance: Built for Kenyan Business
DHL Global Forwarding has reimagined cargo insurance to match both global best practices and Kenya’s new rules. Here’s what you get:
Global Reach, Local Strength: Competitive coverage for all destinations—including high-risk or remote locations that most insurers won’t touch.
No Deductibles, No Surprises: One invoice, no excess fees. Your freight and insurance charges come bundled for total transparency.
Fast Claims Resolution: Our specialist team aims to close valid claims within 30 days, helping you bounce back quickly.
- Local Service, Local Currency: Claims are handled by DHL representatives right here in Kenya, in your language and paid in Kenyan shillings. No lost-in-translation moments.
A Solution for Every Shipment
Ad-hoc Cargo Insurance
Perfect for single shipments or seasonal exports, with competitive rates, no deductibles, and all charges on one invoice.
Annual Cargo Insurance
One blanket policy covering all your DHL shipments for a full year. Premiums are tailored to your shipping pattern, so you get maximum protection with minimum hassle.
Turning Regulation into Opportunity
On the surface, Kenya’s new marine insurance rules might look like just another box to tick—especially for importers used to choosing their own insurers. But there’s an upside. By working with local insurers, you help keep premiums in Kenya, supporting jobs, building expertise, and making the industry stronger for everyone. Local insurers can also partner with international giants, bringing in new skills and greater protection for high-value goods. The end result? Faster claims, greater resilience, and a trading environment you can trust—no matter the global headwinds.
With DHL, Compliance Is Effortless
DHL’s local teams know the Kenyan market inside out, and our global risk specialists are on hand to help you navigate every regulation. Whether you’re shipping tea, technology, or textiles, our end-to-end cargo insurance keeps your goods covered and your paperwork in order.
Partner with DHL—Move Forward with Confidence
At DHL, we get it: every shipment matters. Whether you’re sending a single container or managing a complex supply chain, cargo insurance isn’t just a legal requirement—it’s your safety net. Partner with DHL Global Forwarding for seamless compliance, industry-leading claims support, and the peace of mind that comes from knowing your goods are protected at every step. Ready to get started? Open a business account with us today and let us take care of the risks—so you can focus on what you do best: growing your business.
Final Thoughts
Kenya’s directive on local marine cargo insurance is more than regulation—it’s a smart step for our economy and your business. In a world where supply chains face constant threats, cargo insurance isn’t just paperwork; it’s your guarantee that your investments, your customers, and your future are protected. Make sure your shipments are covered, your business is secure, and your growth isn’t left to chance.
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