Insurance Law

Okoth Obera Law Advocates provides specialist insurance law advisory to insurance companies, reinsurers, brokers, and policyholders navigating Kenya's insurance regulatory framework. Our practice covers the full spectrum of insurance law — from policy drafting and regulatory compliance to claims disputes and litigation before the Insurance Regulatory Authority (IRA).

Kenya's insurance sector is governed by the Insurance Act and regulated by the IRA, which has intensified its enforcement posture in recent years. Our team advises insurers on product compliance, policy wording, risk management, and IRA regulatory submissions, as well as defending and prosecuting insurance claims across all lines of business.

For policyholders, we provide robust advocacy in disputed claims, repudiation matters, and coverage disputes. We understand that when an insurance claim is denied, the financial and commercial consequences can be severe — and we fight to ensure our clients receive the indemnity they are contractually entitled to.