Kenyan underwriting is shifting from a reactive, historical approach to a predictive discipline amidst growing risk complexity, including climate shocks and cyber threats.

• The move towards predictive underwriting is driven by increased frequency and interconnectedness of risks like climate change and cyber incidents.
• Underwriters are now leveraging multiple data sources, AI, and satellite data for near real-time exposure evaluation and early threat detection.
• Businesses that demonstrate proactive risk management, climate awareness, and cyber readiness are better positioned to secure appropriate insurance cover.