Pacis Insurance

What Pacis Insurance does

Pacis Insurance Company Limited is a Kenyan general insurance carrier headquartered in Nairobi at Pacis Centre, regulated by the Insurance Regulatory Authority (IRA) of Kenya. It is wholly owned by the Catholic Church through its dioceses, religious congregations, and Catholic institutions, and was established to serve the insurance needs of the Catholic community after a pre-formation survey indicated the Church was paying approximately KES 1 billion in annual premiums externally with only ~20% claims ratio. The company writes all general insurance classes excluding aviation and life.

Its product portfolio spans personal lines (comprehensive and third-party motor, Pacis Amani Medical, home, Pacis Travel, last expense, personal accident including a student variant) and commercial lines (hospital malpractice, school comprehensive, professional indemnity across six professions, business combined, and religious comprehensive). Distribution combines insurance agents and brokers with a self-service portal, a customer quotation portal, USSD access, and an API platform. Go-to-market is sales-led, with the diocese/school network functioning as the primary commercial anchor and direct digital channels serving individuals.

The business model is standard insurance premium underwriting across personal and commercial lines, with competitive positioning framed around the Catholic Church's institutional trust, an embedded diocese distribution channel covering 25 dioceses and 5,000+ schools, and claims support through a panel network of providers. Pricing is quote-based and not publicly disclosed; the company signals competitive terms driven by a low historical claims ratio within its clientele.

Name

Pacis Insurance

Legal name

Pacis Insurance Company Limited

Website

https://pacisinsurance.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Pacis Insurance is a Nairobi-based general insurance carrier owned by the Catholic Church in Kenya, offering personal and commercial non-life products to individuals, professionals, and religious and educational institutions via agents, brokers, and digital channels.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industries

Commercial Property Insurance (FSAJACAE), Healthcare Professional Liability (Med Mal) (FSAJAGAE)

Keywords

• General insurance products
• Personal lines insurance
• Commercial lines insurance
• Professional indemnity insurance
• Motor and medical insurance

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Premiums: Pacis Insurance generates revenue through collecting premiums from various insurance products including motor, medical, travel, home, personal accident, and commercial insurance policies. The company offers both comprehensive and third-party coverage options.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Pacis Insurance is a Kenyan general insurance company that underwrites and distributes personal and commercial insurance policies — including motor, medical (Pacis Amani), travel, home, last expense, personal accident, hospital malpractice, school comprehensive, professional indemnity, business combined, and religious comprehensive coverage — to individuals, families, businesses, and Catholic institutions in Kenya, with quotes obtained through agents/brokers or a self-service digital portal.

Product overview

Pacis Insurance operates as a general insurance company offering a portfolio of personal and commercial insurance products. The personal lines include medical cover (Pacis Amani Medical), motor insurance (Comprehensive and Third-Party), home insurance, travel insurance, last expense cover, and personal accident insurance including a dedicated student accident product. The commercial lines encompass professional indemnity insurance across multiple professions (doctors, surveyors, accountants, architects, engineers, and lawyers), specialized coverage for hospitals, schools, and religious institutions, as well as combined business insurance. The company provides digital access through a web portal and USSD channel. Notably, Pacis Insurance was established by the Catholic Church through its dioceses and institutions, and maintains a focus on serving the religious and educational sectors with partnerships insuring over 5,000 schools across 25 dioceses.

Differentiator

Problem solved

Functional benefit

Brands

• Pacis Amani Medical: Medical insurance product offering individual medical cover
• Pacis Travel

Products and services

• Pacis Amani Medical Individual and family medical insurance cover providing healthcare benefits, with digital accessibility features.
• Comprehensive Motor Insurance Full motor insurance covering own-vehicle damage, theft, and accidents beyond third-party liability, for private vehicle owners.
• Motor 3rd Party (TPO) Third-party-only motor insurance covering legal liability to other parties arising from vehicle accidents.
• Personal Accident Insurance Coverage for accidental death, disability, and medical expenses arising from personal accidents, for individuals.
• Student's Personal Accident Insurance Accident coverage tailored for students, protecting against injuries sustained during school and student activities.
• Home Insurance Residential property insurance covering buildings and contents against specified risks such as fire, theft, and natural perils.
• Pacis Travel Travel insurance covering trip cancellations, medical emergencies abroad, and other travel-related disruptions for travellers.
• Last Expense Cover Funeral expense insurance providing lump-sum funds to cover burial and related end-of-life costs upon the insured's death.
• Hospital Malpractice Insurance Professional liability insurance for hospitals and healthcare institutions covering claims arising from medical negligence.
• School Comprehensive Insurance Comprehensive insurance for schools covering property, liability, and student-related risks.
• Professional Indemnity for Doctors Professional liability cover for medical practitioners protecting against malpractice and negligence claims.
• Professional Indemnity for Surveyors Professional liability cover for surveyors against errors, omissions, and professional negligence claims.
• Professional Indemnity for Accountants & Auditors Professional indemnity cover for accountants and auditors against claims arising from professional mistakes and negligence.
• Professional Indemnity for Architects Professional indemnity cover for architects against design errors and project-related claims.
• Professional Indemnity for Engineers Professional indemnity cover for engineers against claims arising from professional services and engineering work.
• Professional Indemnity for Lawyers Professional indemnity cover for legal practitioners against claims of professional misconduct or negligence.
• Business Combined Insurance Combined commercial policy bundling property, liability, and business interruption cover for SMEs and businesses.
• Religious Comprehensive Insurance Specialized insurance coverage for churches, dioceses, and related religious properties and activities.

Quantifiable outcome

• Partnerships with 25 dioceses insuring over 5,000 schools

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Catholic DiocesescoreStrategic or Co-development PartnerPacis Insurance was established by the Catholic Church through dioceses, religious congregations, and various Catholic institutions. The company maintains strategic partnerships with 25 dioceses, insuring over 5,000 schools across multiple Christian denominations. This partnership forms the core of the company's market positioning and customer base.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Jubilee Insurance: One of the largest multi-line general insurers in Kenya offering motor, medical, property and commercial lines through agents and brokers — directly comparable in product breadth and channel mix to Pacis.
• Britam Holdings: Kenyan multi-line insurer with personal and commercial lines including motor, health and property — overlaps Pacis's product portfolio and Kenyan retail/SME customer base.
• UAP Old Mutual: East African multi-line insurer offering general insurance, life and health products through agency and broker channels — competes in many of the same product categories as Pacis.
• APA Insurance (Apollo Investments): Kenyan general insurer providing motor, medical, property and commercial lines via agents and brokers — directly comparable product set and distribution model to Pacis.
• CIC Insurance Group: Kenyan cooperative-rooted insurer offering personal and commercial general insurance products; comparable niche/community-anchored positioning relative to Pacis's church-rooted model.
• Sanlam Kenya: Kenyan multi-line insurer offering motor, medical and property cover to individuals and businesses — direct overlap with Pacis's product portfolio and broker-led distribution.
• Liberty Kenya: Kenyan multi-line insurer with personal and commercial lines including motor, health and property; comparable product breadth and agency-driven distribution to Pacis.

Broad incumbents

• Old Mutual Kenya: Long-established East African financial services group with broad life, general and asset management offerings — overlaps Pacis's general insurance business within a much wider portfolio.

Emerging players

• AAR Insurance: Kenyan health-focused insurer that overlaps directly with Pacis Amani Medical; comparable product focus on healthcare but narrower line scope than Pacis.

Regional players

• Waumini Insurance Brokers: Kenyan insurance brokerage also serving the Catholic community in Kenya — explicitly referenced in Pacis's FAQ as a comparable community-rooted insurance intermediary, though operating as a broker rather than carrier.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/pacisinsurance
• Facebookfacebook.com/Pacis-Insurance-Company-Ltd-151912584944632
• LinkedInlinkedin.com/company/pacis-insurance-company-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Pacis Insurance