Fidelity Insurance
Fidelity Insurance is a Nairobi-headquartered Kenyan general insurer offering personal, corporate, and medical insurance products (motor, marine, travel, WIBA, fire, engineering, aviation, health) distributed through 8 branches and digital self-service portals.
- Company typePrivate
- Founded1945
- HeadquartersNairobi, Kenya
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Fidelity Insurance does
Fidelity Shield Insurance Company Limited, operating as Fidelity Insurance, is a Nairobi-headquartered general insurance provider in Kenya that has been in operation for approximately 80 years (founded circa 1945). The company serves individual consumers, private corporate companies, SMEs, and government entities through a comprehensive product portfolio organized into three categories: Personal Solutions (Motor Private, Travel, Personal Accident, Domestic Package, Golfers Policy), Corporate Solutions (WIBA, Marine, Fire and Allied Perils, Liabilities, Engineering, Bonds, Burglary/Theft, All Risks, Motor Commercial, Aviation), and Medical Solutions (My Afya Shield Individual & Family, Afya Shield SME, Fidelity Corporate Cover). It is regulated by the Insurance Regulatory Authority (IRA) of Kenya and holds ISO 9001:2015 certification, Association of Kenya Insurers (AKI) membership, and UN Global Compact membership.
The company operates a hybrid distribution and technology model combining a physical branch network of 8 offices across Kenya (Nairobi HQ and CBD, Mombasa, Eldoret, Nakuru, Kisumu, Meru, Thika) with digital self-service portals at portals.fidelityshield.com for Motor, Marine, and Travel insurance policy management and renewals. Additional technology assets include a dedicated My Afya Shield medical insurance platform (afya-shield.fidelityshield.com), website-based KYC and data collection, WhatsApp and phone contact channels, and a corporate website supporting quote generation. No mobile app, public API, or AI/ML products are disclosed; the digital layer is functionally a self-service policy administration tool rather than a technology platform.
Revenue is generated primarily through recurring insurance premiums across personal, corporate, and medical lines, with pricing conducted on a quote-by-quote basis and no publicly disclosed rate cards or tiered pricing. The company reports Gross Written Premium of KSh 5 Billion on its homepage. It is privately held with no disclosed parent company, subsidiaries, or institutional investors; the Board of Directors includes seven members led by Chairman Nicholas Kamere, with Managing Director Richard Marisin heading a management team of approximately 17 senior leaders covering underwriting, claims, finance, ICT, marketing, branch operations, and medical. Headcount is reported in the 51-100 range, consistent with a mid-sized domestic insurer.
Fidelity Insurance firmographics
Firmographics- Name
- Fidelity Insurance
- Legal name
- Fidelity Shield Insurance Company Limited
- Website
- https://fidelityshield.com
- Company type
- Private
- Founded year
- 1945
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Fidelity Insurance is a Nairobi-headquartered Kenyan general insurer offering personal, corporate, and medical insurance products (motor, marine, travel, WIBA, fire, engineering, aviation, health) distributed through 8 branches and digital self-service portals.
- Ownership category
- akta.pro rank
Fidelity Insurance industry classification
Industry- Product category
- General Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industries
- Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH), Professional Liability (Errors & Omissions) (FSAJADAB), Product Liability (FSAJADAC)
Keywords
Where Fidelity Insurance is headquartered
LocationHeadquarters
- HQ city
- Nairobi
- HQ country
- Kenya
- HQ region
- Africa
Offices7 records
Markets served
Fidelity Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums - Marine: Marine insurance covering cargo, hull, and marine liability with warehouse-to-warehouse protection. Revenue generated through premium payments from policyholders.
- Insurance Premiums - Medical: Medical insurance products including My Afya Shield (Individual & Family), Fidelity Afya Shield SME, and Fidelity Corporate Cover. Revenue from recurring premium payments.
- Insurance Premiums - Motor: Motor insurance for private and commercial vehicles covering accidental damage, theft, fire, and third-party liabilities. Revenue from annual or periodic premiums.
- Insurance Premiums - Corporate: Corporate solutions including WIBA, Fire and Allied Perils, Liabilities, Engineering, Bonds, Burglary/Theft, All Risks, and Aviation insurance for businesses.
- Insurance Premiums - Personal: Personal insurance products including Travel, Personal Accident, Domestic Package, and Golfers Policy for individual customers.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Fidelity Insurance product offering
Product offeringCore offering
Fidelity Insurance is a Kenyan general insurance provider underwriting and distributing a full portfolio of personal, corporate, and medical insurance products. The company sells Motor Private and Commercial, Marine, Aviation, Fire and Allied Perils, Liability, Engineering, Bonds, Burglary/Theft, All Risks, WIBA, Travel, Personal Accident, Domestic Package, and Golfers policies, alongside Medical cover under the My Afya Shield, Afya Shield SME, and Fidelity Corporate Cover brands. Products are distributed through 8 physical branch offices and digital self-service portals, with quotations generated on a per-customer basis.
Product overview
Fidelity Shield Insurance Company Limited is a leading general insurance provider offering a comprehensive portfolio of insurance products organized into three main categories: Personal Solutions (Motor Private, Travel, Personal Accident, Domestic Package, Golfers Policy), Corporate Solutions (WIBA, Marine, Fire & Allied Perils, Liabilities, Engineering, Bonds, Burglary/Theft, All Risks, Motor Commercial, Aviation), and Medical Solutions (My Afya Shield Individual & Family, Afya Shield SME, Corporate Cover). The company operates online self-service portals for Motor, Marine & Travel insurance management, with physical branch offices across Kenya including Nairobi CBD, Thika, Mombasa, Eldoret, Nakuru, Kisumu, and Meru. As a regulated insurance provider, the company offers both traditional insurance products and digital service capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- My Afya Shield: Individual and family medical insurance cover
- Fidelity Afya Shield SME
- Fidelity Corporate Cover
- Safari Travel Insurance
Products and services
- Motor Private Insurance Comprehensive motor insurance for private vehicle owners covering accidental damage, malicious damage, theft, fire, third-party liabilities, riot strike and civil commotion, floods, towing, driver's personal accident, emergency medical expenses, windscreen, and stereo coverage.
- Travel Insurance Safari Travel Insurance covering medical expenses, lost luggage, flight cancellation and delays, and other travel-related losses for outbound, inbound safari, executive safari, and Schengen-approved travel.
- Personal Accident Insurance Personal accident insurance providing financial support for unexpected injuries including death, permanent disability, temporary disability, medical expenses, last expenses, and artificial appliances.
- Domestic Package Domestic package home insurance covering the building(s), household contents, all-risk portable items, work injury benefits for domestic workers, occupier's liability, and owner's liability.
- Golfers Policy Specialized golfers insurance covering golfing equipment in transit, third-party liabilities on the course, and personal accident for golfers.
- WIBA Insurance Work Injury Benefits Act insurance covering accidental injuries, disability, or loss of life for employees, compliant with the WIBA ACT 2007 for employers operating in Kenya.
- Marine Insurance Marine cargo and hull insurance covering shipments from fire, collision, weather damage, and theft with comprehensive warehouse-to-warehouse protection, plus Marine Hull Insurance for sea-going vessels.
- Fire and Allied Perils Insurance Property insurance indemnifying against loss or damage from fire and allied perils including earthquake, malicious damage, floods, riots, strikes, and bush fire.
- Liabilities Insurance Comprehensive liability coverage including Directors and Officers Liability, Professional Indemnity, Employer's Liability, Public Liability, and Goods in Transit.
- Engineering Insurance Insurance covering engineering risks including Contractors All Risk, Boilers/Pressure insurance, Contractors Plant and Machinery, Erection All Risk, and Machinery Breakdown.
- Bonds Insurance Financial guarantee insurance covering immigration bonds, advance payment guarantee, bid bonds, customs bonds, and performance bonds.
- Burglary/Theft Insurance Business insurance providing financial protection against theft, burglary, and vandalism of business assets including inventory, equipment, cash, and valuable records.
- All Risks Insurance Comprehensive business insurance covering all risks within a specified geographic area without exclusions unless stated.
- Motor Commercial Insurance Commercial vehicle insurance covering accidental loss or damage to motor vehicles including accessories and spare parts, plus legal liability for third-party bodily injury and property damage, including own goods, chauffeur-driven, and tour vans.
- Aviation Insurance Comprehensive aviation insurance covering aircraft hull and liability, legal liability to third parties and passengers, war, and crew personal accident.
- My Afya Shield (Individual & Family) Individual and family medical insurance providing comprehensive health coverage with support for health goals and medical expenses management.
- Fidelity Afya Shield SME Medical insurance cover designed for small and medium enterprises, including a documentation pack with a guide on accessing cover, a panel of healthcare providers, and policy documents.
- Fidelity Corporate Cover Group medical insurance with flexible cover limits, group discounts, and discounted travel insurance cover for corporate clients.
Companies that use Fidelity Insurance
Customer profileSegments4 records
Ideal customer profiles4 records
Fidelity Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Fidelity Insurance partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights4 records
Fidelity Insurance competitors and assessment
Company assessmentDirect peers
- Jubilee Insurance: Major Kenyan general and life insurance group offering motor, marine, fire, engineering, medical, and personal accident cover through a national branch and broker network — directly overlapping Fidelity's product suite and customer segments.
- CIC Insurance Group: Kenyan cooperative-rooted insurer offering general insurance (motor, fire, marine, engineering, liability, bonds) and group medical/employee benefits — overlapping with Fidelity's corporate and SME segments.
- Madison General Insurance: Kenyan general insurer providing motor, marine, fire, liability, engineering, bonds, and personal accident cover to retail and corporate customers — a direct competitor in the same Kenyan general insurance market.
- Britam Holdings: Pan-African insurance and financial services group headquartered in Kenya, providing general insurance (motor, marine, fire, liability, engineering), medical, and life cover to individuals and corporates — competing head-to-head with Fidelity in the same Kenyan market.
- APA Insurance (Apollo Investments): Kenyan general insurer offering motor, fire, marine, engineering, bonds, liability, and medical insurance to individuals and corporates, with a comparable branch-led distribution model overlapping Fidelity's mid-market and SME segments.
- UAP Old Mutual: Kenyan composite insurer (general + life + health) with a broad product portfolio including motor, marine, fire, engineering, bonds, and group medical — directly comparable to Fidelity's corporate and medical solution suites.
Emerging players
- AAR Insurance: East African insurer focused on health/medical and travel cover with growing general insurance lines — partial overlap with Fidelity's My Afya Shield medical portfolio and travel insurance, though smaller in scale.
- Takaful Insurance of Africa: Kenyan Shariah-compliant insurer offering motor, fire, marine, and family Takaful products — a niche competitor in the same Kenyan market with overlapping general insurance categories.
Broad incumbents
- Old Mutual Kenya: Kenyan composite insurer and financial services provider with general insurance, life, and asset management — overlapping with Fidelity's general and medical insurance offerings as part of a wider portfolio.
- Sanlam Kenya (formerly Pan Africa Insurance): Kenyan arm of pan-African financial services group Sanlam, offering general insurance, life, and investments — broader than Fidelity in life and investments but directly comparable in general insurance lines.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Fidelity Insurance social profiles
Digital presenceFidelity Insurance compliance and trust
Trust signalCompliance1 record
Fidelity Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fidelity Insurance leadership team
Management profileNumber of profiles
Profiles16 records
Fidelity Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fidelity Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fidelity Insurance
What does Fidelity Insurance do?
Fidelity Insurance is a Kenyan general insurance provider underwriting and distributing a full portfolio of personal, corporate, and medical insurance products. The company sells Motor Private and Commercial, Marine, Aviation, Fire and Allied Perils, Liability, Engineering, Bonds, Burglary/Theft, All Risks, WIBA, Travel, Personal Accident, Domestic Package, and Golfers policies, alongside Medical cover under the My Afya Shield, Afya Shield SME, and Fidelity Corporate Cover brands. Products are distributed through 8 physical branch offices and digital self-service portals, with quotations generated on a per-customer basis.
Is Fidelity Insurance a public or private company?
Fidelity Insurance is a private company. It is classified as unknown and is currently operating.
When was Fidelity Insurance founded?
Fidelity Insurance was founded in 1945. It employs 51 to 100 people.
Where is Fidelity Insurance based?
Fidelity Insurance is headquartered in Nairobi, Kenya, in the Africa region.
How does Fidelity Insurance make money?
Five revenue lines are on record. Insurance Premiums - Marine is the primary driver. The others are insurance Premiums - Medical, insurance Premiums - Motor, insurance Premiums - Corporate and insurance Premiums - Personal.
Who are Fidelity Insurance's main competitors?
Direct peers on record are Jubilee Insurance, CIC Insurance Group, Madison General Insurance, Britam Holdings, APA Insurance (Apollo Investments) and UAP Old Mutual. Emerging players are AAR Insurance and Takaful Insurance of Africa. Broad incumbents are Old Mutual Kenya and Sanlam Kenya (formerly Pan Africa Insurance).
Does Fidelity Insurance have an API?
No public API is recorded for Fidelity Insurance.
What industry is Fidelity Insurance in?
Fidelity Insurance's product category is General Insurance. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAJAHAH, Protection & Indemnity (P&I) / Marine Liability Insurance. Its NAICS code is 52412 and its SIC code is 6331.