Kenyan insurers are being urged to embrace artificial intelligence (AI) and digital tools to expedite claims processing and combat rising fraud, as the sector faces increasing complexities and customer complaints.

• The Insurance Regulatory Authority (IRA) recorded 532 complaints in Q3 2025, with 82 percent linked to general insurance.
• Industry experts, including Patrick Oromo, emphasized AI's role in improving service delivery and fraud detection, with fraudulent claims estimated to cost 10–15 percent of total claims.
• Significant risks such as climate events, geopolitical tensions, and a sharp rise in cyber threats (over 4.56 billion incidents in Q3 2025) necessitate technological adoption.