Kenya is experiencing a significant shift in its insurance market, with new fintech-powered initiatives making accessible and affordable coverage available to historically excluded populations like smallholder farmers and gig economy workers. This marks a move towards embedding insurance into everyday transactions to boost the nation's low insurance penetration.

• The Ministry of Agriculture launched an Integrated Agricultural Insurance Programme, piloting in 11 counties to cover 250,000 farmers registered on KIAMIS, with premiums of KSh 7,000 per season embedded in subsidized fertilizer purchases.
• BirdView Insurance, in partnership with Maisha Poa Insurance and Little, introduced Mfanisi Go, a micro-health insurance plan for taxi drivers, costing as little as KSh 82 per day, deductible from earnings.
• Agricultural insurance aims to de-risk smallholder farmers, who produce 70% of Kenya's food, from climate-related threats, while micro-health plans address health risks for gig workers lacking employer-linked cover.