Life & keyman cover
For family wealth and business continuity alike, we size and structure keyman policies that reflect the actual economic value at stake — not insurer default assumptions.
Insurance Wrappers
Does your insurance actually cover what you think it does?
Betacspark reviews, restructures, and optimises insurance wrappers so they function as real capital protection — not marketing promises.
Insurance as a structural tool, not a product sale
The right wrapper eliminates risk at its root — the wrong one creates a false sense of security.
Most individuals and businesses in Nairobi are significantly under-insured in the areas that matter most — key-person exposure, business interruption continuity, and long-tail liability — while over-insured in areas where risk is already well-managed elsewhere. Betacspark approaches insurance as a structural component of your capital protection plan, not as a standalone purchase. We are independent of all insurers: we receive no commissions and hold no distribution agreements. Our analysis covers what you have, what you need, and the gap between them — expressed in clear Kenyan shilling terms.
Wrapper categories we work with
Each category is assessed for fit, cost-efficiency, and claims reliability.
Business interruption
We assess whether your current BI cover correctly models your revenue streams, supply chain dependencies, and the realistic recovery timeline for your specific business type.
Liability protection
Directors, trustees, and business owners carry personal liability exposures that standard cover rarely addresses fully. We identify the gaps and coordinate appropriate professional indemnity and D&O wrappers.
Investment-linked wrappers
Certain life and endowment structures available under the Insurance Act offer legitimate tax efficiency and estate planning benefits. We assess eligibility and coordinate implementation with your legal advisers.
Limits of our insurance advisory
Clarity about scope is part of how we protect you.
Betacspark is an advisory practice, not an insurance brokerage. We do not place policies, and we do not manage claims on your behalf. What we do is design the coverage architecture, specify the terms that matter for your situation, and review proposals from brokers and insurers so you understand what you are signing. For placement, we work alongside licensed Kenyan brokers whose incentives we have independently assessed. If a wrapper is not the right tool for a given risk, we will tell you — even when that means recommending no new policy at all.
“I assumed my business interruption policy was comprehensive until Betacspark showed me it excluded the exact scenario — a supplier shutdown — that had actually disrupted us the year before. We renegotiated the terms within two months. That kind of independent scrutiny is impossible to get from the broker who sold you the policy.”
Grace M., Nairobi — retail group director
Find out what your policies actually guarantee
Book a no-obligation insurance architecture review with a Betacspark adviser.