A new report by the Association of Kenya Insurers (AKI) reveals that the vast majority of Kenyan schools are exposed to significant risks due to a severe lack of non-motor insurance coverage. This puts millions of students, teachers, and critical infrastructure in peril, with only a small fraction of schools adequately insured against common disasters.

• Over 85% of primary and secondary schools in Kenya lack non-motor insurance, meaning only 6,784 out of 46,322 registered schools had coverage by the end of 2023.
• The AKI report highlights common uninsured risks such as fire, burglary, personal accidents, and public liability, with financial constraints and a lack of regulatory requirements cited as major barriers.
• Most schools also lack basic safety infrastructure like fire extinguishers and proper asset registers, making risk assessment difficult for insurers, while many administrators operate under the false assumption that external aid will cover disaster costs.