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As an Authority, we recognize that regulation as a means to an important end is essential for the proper functioning of the insurance industry. To ensure that the industry reaps the benefits from a globally competitive financial services sector, the sector has to remain efficient, flexible and responsive to emerging trends i.e. effective in addressing identified problem and efficient in maximizing benefits to the economy. While issuing guidelines and circulars to the industry, we are often alive key drivers for enhancing industry productivity such as technological change (adopting new knowledge), investment in human and physical capital. Such regulation ensures that there are productivity and growth gains as well competition and investment.

Regulations used for the insurance industry in Kenya include the Insurance Act Cap 487 and its accompanying Schedules and Regulations. Circulars and Guidelines are normally issued by the Commissioner of Insurance/Chief Executive Officer of IRA detailing provisions that insurance/re-insurance companies and intermediaries need to comply with.

These rules are issued with an expectation of compliance that is done through surveillance and inspections.


The IRA Management is committed to upholding the highest standard of ethics. Please report corruption practises by sending an email to