The Insurance Hub

30/12/2025

What aspect of insurance would you like us to address in the month of January 2026?

23/12/2025

Travel Smart: Anticipate Risk, Don’t React to It!

As you travel, whether for work, family, or holiday - remember this:
Risk does not disappear because we are on the move;
It only changes form.

Flight delays
Medical emergencies
Lost luggage,
Road accidents
Or unexpected disruptions can turn a smooth journey into a costly experience.

Wise travellers don’t wait for things to go wrong - they anticipate and prepare.

Before you travel:

Ask “What could go wrong?”

Put safeguards in place;
Travel Insurance
Medical cover,
Vehicle insurance
Emergency contacts

Plan not just for the destination, but for the journey itself.

Risk management is not about fear.
It’s about foresight, preparedness, and peace of mind.

Travel well. Travel covered. Travel confident.

04/08/2024

Crisis....

For sometime now we have been addressing the subject of crisis on this timeline.

We condole with the four families whose lives were lost in the attempt to save their business stocks. I can imagine this is the real "life and death" situation for someone at this period in our economy.

Secondly, we pray for the many who survived but lost everything...May God provide the grace to start all over again. He is the God of second, third and even tenth chances...we hear this has happened several times in the past...and you have been able to pick up the pieces and rise again. 🙏

But as the fire settles down, it may be necessary to ask a few questions candidly;
1. Do we (MSMEs) ever consider the element of RISK and RISK MITIGATION when starting a business?
2. What can you do differently as you begin again...just in case?
You cannot continue doing the same thing over and over and expect different results.

In my earlier days I worked in a risk management company and I saw how the wealthy factor risk management in their businesses, no matter how small.

This is what separates the Rich and the poor when it comes to business.

There are 5 ways in which you can anticipate and respond to risk;
1. Retain
2. Share
3. Transfer
4. Avoid
5. Minimise

This is the conversation we hope to have in a closed session soon.
If you are interested, let me know in the comments section.

I mean, how can someone invest 2 million, 3 million, even 5 million in a business...(sometimes funded through a loan) and you fail to consider Risk Mitigation?

The victims were attempting to save their belongings when they were overpowered by the flames.

04/08/2024

This one makes for an interesting read after church.

Enjoy and be positively challenged.

Financial Samurai founder Sam Dogen says the micromanagement and endless meetings at a seed-stage startup made his first post-retirement gig a bad fit.

27/07/2024

In every crisis, there's an opportunity:

So yesterday as many of us got caught up in the "unexpected rains," an opportunity arose for someone who was prepared, who probably had anticipated some kinda crisis and was proactive.

All of a sudden and from nowhere, (just like the rains appeared from nowhere), someone;

~ was selling umbrellas at a non negotiable price...I mean is there even time to negotiate in the rain...you just want to buy and shield at least your hair..(ladies 😆).

~ the matatu fare doubled and we paid without argument.

~ the hotels were suddenly full with people shielding from the rains...and because you don't just sit in someone's hotel idling time, you have to buy something.

This is the lot that comes with crisis...as they say "every cloud has a silver lining."

It is up to you to look out for the silver lining...
▪︎ Sometimes you have to it early enough so that you can be ready.
▪︎ Sometimes you need help to identify the silver lining and get ready for.

26/07/2024

Today's unexpected rains:

Is it raining your side of the "city in the sun?"
Who would have expected this is how the day will end. As I prepared to leave for some important errands in the morning, I first dressed "warm," then I stepped out and the weather was like...I had to go back and dress a bit light...wueeh!
Sema miscalculation...out of the blues...it has poured like it did in April.
Where were you caught up today?
We're you prepared?
Did you anticipate a crisis...albeit a minor one like a rainy evening?
Crisis are part and parcel of this life...sometimes they are big crisis, sometimes they are small...like today.
But of late I've been thinking about the "curve balls" or crisis that life throws occasionally.
Sickness, death, financial, job loss, floods...etc.
How can we anticipate and therefore respond when "it happens?"

12/06/2024

Wealth Preservation
Risk Management/Insurance

This morning we can breath "Phew"...matters Insurance.

Yesterday, the Insurance Regulatory Authority (IRA) revoked the closure of a major insurance company...it had caused jitters all over, particularly to the public sector transport (aka matatus).

We all got talking about Insurance;
What happens when an Insurance company goes under?
What does that sticker displayed on my car's windscreen mean?
And many others...

Many other things we should be talking zbout, including the proposed 2024/25 finance bill and the newly formed Social Health Insurance Fund (SHIF)...many things happening around Insurance and its potential effect on your Risk Management journey that we should be engaging in.

I am a Personal Finance Planning and Risk Management expert with over 3 decades (precisely 34 years) experience in this field...I can say with confidence, I am a veteran in Insurance.

There's a lot you need to know about your insurance and the many changes taking place around risk management that could potentially affect your WealthPreservation plans. As my Purpose Coach Irene Mureithi tells us, it is time to "let there be light."

Keep it here for a major announcement....

03/10/2022

Good morning, it's been a while here.🙌
Let's discuss Our Patient health cover.
The most expensive health insurance is outpatient cover.
But thanks to innovations, now we have affordable solutions to our patient health insurance.
Here is something exciting.

24/02/2017

KLIP - Biggest payout for Livestock farmers in drought stricken areas

As part of an effort to address drought emergencies in the Horn of Africa, Kenya has provided $2 million to over 12,000 pastoral households under the Kenya Livestock Insurance Program.