The Kenyan insurance industry is undergoing a significant transformation, balancing disruption, regulation, and inclusion to adapt to a rapidly changing global risk landscape driven by climate, cyber threats, and digital evolution. The focus is shifting from simply absorbing risk to proactively empowering resilience through foresight and collaboration.

• Kenya's recently enacted Insurance Professionals Act, 2025, fundamentally reshapes the profession by elevating ethics and competence.
• The industry aims to transition from traditional risk absorption to risk empowerment, providing intelligence to anticipate, prevent, and mitigate damages.
• Jonathan Marucha, Executive Director of Laser Insurance Brokers (LIB), emphasizes the critical role of regulation as a catalyst for stability and innovation in Africa's insurance sector.
• Sustainability and ESG principles are becoming central to strategy, with the rise of ESG-aligned products and the use of climate risk analytics.
• Innovation through hyper-personalization and embedded insurance is crucial for reaching uninsured populations and fostering true resilience.