Cyber incidents are rising sharply in Kenya — ransomware attacks, data breaches, and system failures are no longer a risk only large corporations face. Cyber insurance protects SMEs, fintech companies, e-commerce businesses, schools, hospitals, and any organisation handling digital customer data against: costs of a data breach response (notification, forensic investigation, credit monitoring), ransomware extortion payments and recovery costs, business interruption losses during system downtime, legal defence costs and regulatory fines from data protection violations (including the Kenya Data Protection Act, 2019), and third-party liability for client data compromised on your systems. As digital business grows in Kenya, cyber insurance is transitioning from optional to essential.