AAR Insurance has convened industry leaders, regulators, technology experts, and intermediaries for its annual International Sales Conference as the insurer seeks to drive growth and strengthen trust within Kenya’s insurance sector.
The two-day conference, taking place at Safari Park Hotel, is themed “Code of Trust: Driving Growth Through Resilience, Technology and Compliance.” The forum comes at a time when insurance penetration in Kenya remains below three per cent, highlighting the urgent need for innovation and consumer confidence across the industry.
The summit focuses on the role of governance, cybersecurity, data protection, and digital transformation in building resilient insurance systems capable of supporting secure growth across medical, motor, travel, home, and commercial insurance lines.
Speaking during the conference, Justine Kosgei said the insurance industry must shift from traditional reactive models to proactive wellness-focused solutions in order to expand market reach and build long-term customer trust.
“We must fundamentally shift our approach from reactive care to proactive wellness. With Non-Communicable Diseases (NCDs) now responsible for 39 per cent of all deaths in Kenya, we can no longer be an industry that only provides support when someone falls ill,” said Kosgei.
He added that partnerships and integrated wellness programmes are helping clients proactively manage their physical and mental health before illness occurs.
A key focus of the conference is the protection of Micro, Small and Medium Enterprises (MSMEs), which continue to face growing exposure to supply chain disruptions, property damage, and liability risks despite remaining largely underinsured.
James Kamau noted that flexible financing solutions are critical in helping businesses access adequate insurance cover.
“We understand the cash flow challenges that modern businesses face. To address this, we have partnered with financial institutions such as NCBA and Fincredit to help SMEs build stronger protection frameworks,” said Kamau.
He explained that integrating Insurance Premium Financing (IPF) at the point of sale enables intermediaries to remove affordability barriers that often prevent businesses from accessing comprehensive insurance coverage.
The conference also highlighted the growing importance of regulatory compliance and data protection within the increasingly digitised insurance landscape.
Kosgei challenged insurance agents and intermediaries to view compliance as a competitive advantage, citing AAR Insurance’s recent recognition at the National Data Privacy Conference where the insurer won the Data Protection Compliance Award, the Data Protection Complaints Handling Award, and the Data Protection Awareness Initiative Award.
As digital disruption continues to reshape the sector, the “Business Unusual 2026” conference seeks to position technology, resilience, and compliance at the centre of the industry’s future growth strategy while strengthening protection for Kenyan consumers and businesses.
