Viva 365 Insurance Brokers

What Viva 365 Insurance Brokers does

Viva 365 Insurance Brokers Limited is a Kenyan insurance brokerage headquartered in Nairobi (International House, Mama Ngina Street, 5th Floor) with a branch in Naivasha (Biashara Plaza, 3rd Floor). The company acts as an intermediary between customers and a panel of nine Kenyan Licensed Insurers—Pioneer, Britam, Prudential, Geminia, Madison, APA, UAP Old Mutual, CIC GROUP, and ICEA Lion—placing policies on behalf of individuals, groups (chamas and institutions), SMEs, and corporate clients. Originally founded in 2013 as Platinum Micro Insurance Brokers and rebranded to VIVA 365 in 2014, the company is registered with the Insurance Regulatory Authority (IRA) and operates as a subsidiary of Platcorp Group.

The product portfolio spans two main categories. Individual insurance covers Last Expense, Domestic/Home, Travel, Personal Accident, Motor Vehicle, Medical, Medicaid (Bronze/Silver/Gold), Pension, Agricultural, and Motor Cycle. Corporate covers include SME Combined Covers (Fire and Perils, Professional Indemnity, Fidelity Guarantee, Burglary, All Risks, WIBA, Political Violence and Terrorism, Public/Product Liability, Employers Liability), Corporate Medical (minimum six members), Aviation, Marine Open Cover, Contractors All Risk, and Bonds. Pricing is subscription/recurring for individual lines (e.g., Medicaid Bronze KES 1,000/year, Personal Accident Tier I KES 1,000/year, Life and Funeral KES 95–800/month depending on benefit) and quote-based for corporate and complex risks; the company highlights a 48-working-hour Last Expense claims turnaround as a quantified service outcome.

The business model is commission-based brokerage on placed premiums, sold through a sales-led motion combining direct field sales at the two offices, inside sales via phone and email, and self-serve lead capture through 'Request a callback' and 'Get a Quote' forms on viva-365.com. Marketing spans organic social (Twitter, Facebook, LinkedIn, Instagram, YouTube), blog content, and community engagement through CSR programs such as the Hearts of Green Foundation tree-planting initiative, ForRangers life cover for Maasai Mara-area rangers, and the World Cancer Day awareness walk. The company has no proprietary technology platform, no mobile app, and no disclosed AI capabilities.

Name

Viva 365 Insurance Brokers

Legal name

VIVA 365 Insurance Brokers Limited

Website

https://viva-365.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Viva 365 Insurance Brokers is a Kenya-based insurance brokerage, headquartered in Nairobi with a Naivasha branch, that places individual, group, SME, and corporate insurance through a panel of nine Kenyan Licensed Insurers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Insurance brokerage services
• Commercial insurance covers
• Life and funeral cover
• Motor vehicle insurance
• Medical insurance solutions

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Viva 365 Insurance Brokers generates revenue through commissions paid by insurance companies (underwriters) for placing insurance policies with customers. As an intermediary, they earn commissions from Kenyan Licensed Insurers including Pioneer Insurance, Britam, Prudential, Geminia Insurance, Madison, APA Insurance, UAP Old Mutual, CIC GROUP, and ICEA Lion. The company offers a wide range of insurance products covering individual (Last Expense, Domestic/Home, Travel, Personal Accident, Motor, Medical, Medicaid, Pension, Agricultural, Motor Cycle) and corporate covers (Fire and Perils, Professional Indemnity, Fidelity Guarantee, Burglary, All Risks, WIBA, Political Violence & Terrorism, Public/Product Liability, Employers Liability, Corporate Medical, Aviation, Marine Open Cover, Contractors All Risk, Bonds).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Viva 365 Insurance Brokers is a Kenyan insurance brokerage that acts as an intermediary between customers and licensed insurance underwriters, placing and servicing individual and corporate insurance policies. The company offers a wide portfolio including last expense, motor, medical, home, travel, personal accident, pension, agricultural, aviation, marine, bonds, and SME combined covers, earning commissions from underwriters and providing claims advocacy on behalf of clients.

Product overview

Viva 365 Insurance Brokers is a Kenya-based insurance broker offering a comprehensive portfolio of insurance products and services. The company operates two main product categories: Individual Insurance products (including Last Expense Cover, Domestic Package/Home Insurance, Travel Insurance, Personal Accident Cover, Motor Vehicle Insurance, Medical Insurance, Medicaid, Pension Plan, Agricultural Insurance, and Motor Cycle Insurance) and Corporate Insurance products (including SME Combined Covers with multiple sub-covers, Corporate Medical Insurance, Aviation Insurance, Marine Open Cover, Contractors All Risk Cover, and Bonds). The company acts as an intermediary between clients and insurance providers, facilitating claims processing and providing personalized insurance advisory services across all product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Last Expense Cover Provides fixed benefit payments to families within 48 working hours of death notification to cover funeral expenses. Available in Gold Plan and Life and Funeral plan options with coverage for principal members, spouses, children, parents, and parents-in-law. Targeted at individual customers and families in Kenya.
• Domestic Package (Home Insurance) Package cover for residences including buildings, contents, electronics, moveable items and all risks including domestic servants. Covers fire, burglary, accidental damage, liability to third parties, and occupational accidents. Targeted at individual homeowners and households in Kenya.
• Travel Insurance Covers unforeseen circumstances during trips including loss of luggage or personal property, emergency medical expenses, delays, journey cancellation due to illness, injury or death, and compensation for hijack, kidnap or wrongful detention. Targeted at individual travelers.
• Personal Accident Cover Provides monetary payments for bodily injury through accidents including death, permanent total disability, hospital cash, and medical reimbursement benefits. Available in four tiers (Tier I to IV) with annual premiums ranging from KES 1,000 to KES 2,500. Targeted at individual customers in Kenya.
• Motor Vehicle Insurance Provides financial protection for motor vehicles and motorcycles against damage, theft, and third party liability. Coverage includes Comprehensive, Third Party Fire and Theft, and Third Party Only options for Private, Commercial, and PSV motor classes. Targeted at individual vehicle owners and operators.
• Medical Insurance Individual medical insurance packages with inpatient and optional outpatient benefits, maternity coverage, dental care, and optical services. Offers access to healthcare providers in Kenya and abroad. Includes coverage for pre-existing conditions. Targeted at individual customers and families.
• Medicaid Supplementary medical scheme paying fixed cash benefits for each night spent in hospital for up to 30 nights per year. Available in Bronze, Silver, and Gold tiers with daily hospital cash limits. Targeted at individual customers seeking supplemental hospital cash benefits.
• Pension Plan Retirement benefit plan where members receive accrued benefits upon reaching specified retirement age. Targeted at individual customers planning for retirement.
• Agricultural Insurance Covers crops and livestock against loss, damage, or death caused by fire and related perils, epidemics, and accidents. Targeted at individual farmers and smallholders in Kenya.
• Motor Cycle Insurance Covers motorcycles against theft, material damages, passenger and third party liability including body injury, death, and property damage. Targeted at individual motorcycle owners and operators.
• Bonds Insurance bonds designed to protect individuals or organizations from financial loss. Includes Immigration bonds for non-citizens and Performance bonds guaranteeing project completion according to contract terms. Targeted at corporate and commercial clients in Kenya.
• Contractors All Risk Cover Covers all risks associated with construction projects including road works, residential apartments, malls, and schools. Includes contractual work, plant and machinery, materials on site, and property loss or damage. Targeted at contractors and construction firms.
• Aviation Insurance Covers both private and commercial aircraft against loss and damage. Includes Hull All Risks, Ground risk hull, Passenger liability, Third party liability, and War risk coverage including terrorism. Targeted at private aircraft owners and commercial aviation operators.
• Corporate Medical Insurance Medical insurance packages tailored for businesses and SMEs providing comprehensive group coverage with minimum 6 members. Includes inpatient, outpatient, maternity, dental, optical, and evacuation services. Targeted at SMEs and corporate employers in Kenya.
• SME Combined Covers Comprehensive package of commercial insurance covers including Fire and Perils, Professional Indemnity, Fidelity Guarantee, Burglary, All Risks, WIBA, Political Violence and Terrorism, Public Liability, and Employers Liability. Targeted at SMEs and corporates in Kenya.
• Group Last Expense Cover Last expense cover available for groups, institutions, Chamas, or organizations. Provides member-level funeral expense benefits. Targeted at chamas, cooperatives, and institutions.
• Marine Open Cover Marine Open Cover for goods in transit, providing insurance for cargo shipments against loss or damage. Targeted at importers, exporters, and commercial clients.

Quantifiable outcome

• Last Expense claims paid within 48 working hours of notification

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core, major, supporting and minor.

• Pioneer InsurancecoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers. One of the 9 Kenyan Licensed Insurers in Viva 365's partner network.
• BritamcoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• PrudentialcoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• Geminia InsurancecoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• MadisoncoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• APA InsurancecoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• UAP Old MutualcoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• CIC GROUPcoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• ICEA LioncoreOthersInsurance underwriter partner providing insurance products that Viva 365 brokers to customers.
• Hearts of Green FoundationmajorStrategic or Co-development PartnerCSR partner for environmental sustainability initiatives. Viva 365 has partnered with Hearts of Green Foundation for tree planting at Inkiito Primary School (Kajiado County), LANSRET environmental restoration program, and community reforestation efforts. Partnership began in 2023 with ongoing 3-year commitment.
• Kajiado County GovernmentsupportingStrategic or Co-development PartnerGovernment partner for CSR initiatives including tree planting at Inkiito Primary School. Partnership provides local support and alignment with county environmental goals.
• ForRangersmajorStrategic or Co-development PartnerCharity partnership addressing ranger welfare issues. Viva 365 sponsored a water stop for KES 100,000 during the 220km UltraMARAthon event supporting rangers. Partnership also includes Rangers Life Cover sponsorship providing life insurance for nearly 100 rangers in conservancies adjacent to Maasai Mara. Partnered with Beyond The Ultimate and Save The Rhino for UltraMARAthon.
• Platcorp FoundationsupportingStrategic or Co-development PartnerParent/sister organization partnership. Platcorp Foundation supported wildlife rangers in conjunction with ForRangers, with Viva 365 providing insurance expertise and placement.
• Equity AfiaminorStrategic or Co-development PartnerHealthcare partner for World Cancer Day awareness walk held on 4th February 2024. Partnership for community health awareness and cancer screening initiatives.
• Texas Cancer CenterminorStrategic or Co-development PartnerHealthcare partner for World Cancer Day awareness walk and cancer research fundraising activities.
• Langata CDFminorStrategic or Co-development PartnerCommunity Development partner for World Cancer Day awareness walk event.
• Wanawake Bomba SACCOminorStrategic or Co-development PartnerSACCO partner for World Cancer Day awareness walk and community engagement event.
• Kenya AirForcesupportingStrategic or Co-development PartnerSupport partner for tree planting initiative at Inkiito Primary School in Kajiado County.
• Kenya Forest ClubsupportingStrategic or Co-development PartnerEnvironmental partner for tree planting initiative supporting Kenya's goal to plant 15 billion trees by 2032.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Jubilee Insurance: Jubilee Insurance is a leading East African composite insurer offering life, health, and general insurance across retail and corporate segments. It is a broad incumbent competitor whose retail and corporate offerings overlap with most of Viva 365's brokered product lines.
• CIC Insurance Group: CIC Insurance Group is a Kenyan composite insurer serving cooperatives, SMEs, and individuals with general, life, and medical insurance. It is both a Viva 365 underwriter partner and a broad competitor for cooperative, group, and SME customers.
• ICEA Lion Group: ICEA Lion is a Kenyan insurance and financial services group covering life, general, and health insurance. It is one of Viva 365's underwriter partners but also competes for the same end customers via its own distribution, making it a broad incumbent peer.
• UAP Old Mutual: UAP Old Mutual is a major East African insurer offering life, health, and general insurance to retail and corporate customers. As one of Viva 365's nine underwriter partners and a direct competitor across overlapping lines, it is a broad incumbent peer.
• Britam Holdings: Britam is one of Viva 365's nine underwriter partners and a major Kenyan financial group offering life, general, and health insurance, as well as asset management. As a principal insurer that also distributes through its own channels, it is a broad incumbent overlapping Viva 365's product universe.
• APA Insurance: APA Insurance is a leading Kenyan general insurer offering motor, medical, fire, and specialty lines. As a Viva 365 underwriter partner that also distributes directly, it is a broad incumbent whose product portfolio overlaps with most of Viva 365's offerings.

Direct peers

• Minet Kenya: Minet is one of Kenya's largest insurance brokers and risk advisors, offering multi-line brokerage across personal, commercial, and specialty lines. It is the most directly comparable peer to Viva 365 in terms of multi-line intermediation model and target customer base.
• Marsh Kenya: Marsh Kenya is the local presence of Marsh McLennan, providing insurance brokerage and risk management advisory. It is a direct competitor for large corporate and SME accounts, especially on complex commercial packages and specialty lines.
• Aon Kenya: Aon Kenya is the local arm of global broker Aon, providing multi-line insurance brokerage, risk advisory, and reinsurance services. It competes for the same corporate and SME clients that Viva 365 serves, particularly on commercial and specialty lines like aviation and marine.
• Trident Insurance Brokers: Trident is an established Kenyan insurance broker offering personal, commercial, and specialty lines. It is a domestic peer with a similar sales-led intermediation model and comparable customer segments to Viva 365.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/viva_365
• YouTubeyoutube.com/channel/UCu-eNl-cG_v10mnPkFKs_1g
• Facebookfacebook.com/Viva365InsuranceBrokers
• LinkedInlinkedin.com/company/viva-365-insurance-brokers
• Instagraminstagram.com/viva365insurancebrokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Viva 365 Insurance Brokers