AIBK, Birdview partner to expand microinsurance access in Kenya

The Association of Insurance Brokers of Kenya (AIBK) has partnered with Birdview Microinsurance Ltd in a bid to boost microinsurance penetration, particularly among underserved populations in Kenya.

The partnership aims to expand access to affordable insurance solutions for low-income earners, SMEs, informal sector workers, and Kenyans in the diaspora—groups that remain largely underserved in the traditional insurance market.

AIBK National Chairman John K. Arap Lagat said the collaboration is a strategic move toward making insurance more inclusive.

 “By focusing on niche, often overlooked markets, we can bring essential financial protection to more Kenyans and enhance community resilience,” he said.

Microinsurance is increasingly seen as a key tool for growing Kenya’s overall insurance uptake, which remains low despite a rising need for risk protection in informal and low-income sectors. Industry experts highlight that targeted, affordable, and accessible microinsurance products could unlock substantial growth in the sector.

Birdview Microinsurance, licensed by the Insurance Regulatory Authority (IRA), focuses on designing tailored insurance solutions for those traditionally excluded from the mainstream market. CEO James Kimani emphasized the company's commitment to providing impactful products and building meaningful relationships with clients.

“Brokers control nearly 40% of underwritten premiums and are crucial to the growth of microinsurance. We aim to make microinsurance truly work for the underserved,” he said.

Birdview Director Richard Muiru added that the company is leveraging technology to develop solutions that cater to specific segments, including Kenyans abroad.

“We’re enabling the diaspora to provide medical care for families back home. Our products are built to meet real needs, using digital platforms to ensure accessibility for micro-businesses and individuals across Kenya” remarked Muiru

AIBK CEO Eliud Adiedo said the association remains focused on promoting a robust, inclusive insurance sector.

“This partnership reflects our vision of expanding access through innovation. By leveraging technology and focusing on niche markets, we aim to remove barriers and support Kenya’s broader economic stability” said Adiedo

The partnership is expected to roll out customized insurance offerings that are simple, affordable, and aligned with the realities of everyday Kenyans. Both organizations expressed confidence that their combined efforts will drive sustainable growth in microinsurance and contribute to financial security for millions.