Mobile-First Insurance Platform · Kenya
Insurance for
Africa's Future
A technology platform that partners with licensed insurers to protect Kenya's informal shopkeepers. Get covered in 5 minutes for KES 4,500/month.
Pay via M-PESA. 72-hour claim settlement target. 200+ shopkeepers insured since 2023.
The problem
Most Kenyan shopkeepers operate without a safety net
Kenya has about 2 million informal shopkeepers, and very few of them have business insurance. A single fire, theft, or natural disaster can destroy everything overnight.
Insurers want to reach them, but can't do it profitably
Manual underwriting, branch distribution and paper claims make small policies uneconomic. DukaSure is the digital layer between licensed insurers and small businesses: we are not an insurer and don't carry risk.
Too Expensive
Traditional business cover is priced for larger companies. DukaSure plans start at KES 4,500/month.
Too Slow
Weeks to issue a policy and months to settle a claim. We aim for cover in minutes and claims settled within 72 hours.
Too Complex
Paperwork and branch visits. DukaSure is phone-first: sign up with your number, no paperwork.
No Mobile Money
Many insurers expect bank accounts. Shopkeepers run on M-PESA, so that is how DukaSure collects premiums.
Informal shopkeepers in Kenya
Most with no business cover
200+ insured
Since 2023
M-PESA
Native payments
The platform
One Platform. Three Innovations.
We turn a slow, paper-based process into a few minutes on your phone, with cover underwritten by licensed insurer partners
AI-Powered Risk Assessment
Our LightGBM risk models score transaction patterns, business velocity and location/climate risk to support fast, explainable underwriting decisions for partner insurers.
LightGBM + SHAP explainabilityExplainable scoring that partner insurers and regulators can audit
M-PESA Native Payments
Pay premiums from KES 4,500/month (about $35) via M-PESA. No bank account needed.
Safaricom Daraja integrationM-PESA STK Push tested end-to-end with Safaricom
Fast, Transparent Claims
File claims in the app with photos. Small claims (under KES 50,000) follow an auto-approval path with a 72-hour settlement target; larger claims get human review.
Smart-contract audit trail (Base L2, in development)Insurers, customers and regulators see the same claim record
How it works
Your complete guide
From signup to coverage—get protected in 5 simple steps, faster than opening a bank account
Start Your ApplicationReady to protect your business? Contact us at +254 702 005 560 or wanami33@gmail.com
- 1
Open the DukaSure Web App
Open dukasure-app.vercel.app on any smartphone browser and sign in with your phone number. There is nothing to install, and it works on basic smartphones.
- Works in any phone browser
- Free to sign up
- Phone-number login with a one-time code
- Add it to your home screen like an app
- 2
Pay with M-PESA
Premiums are paid with M-PESA. You approve each payment on your own phone with an STK Push prompt, so DukaSure never sees your M-PESA PIN.
- We never see your PIN
- You confirm every payment on your phone
- Uses Safaricom's M-PESA Daraja API
- No bank account needed
- 3
AI-Powered Risk Assessment
Our risk models (LightGBM machine learning) look at business details, transaction patterns and location-based climate risk to help our insurer partners price and approve cover quickly, without paperwork.
- Fast, automated assessment
- No paperwork required
- Transparent SHAP explainability (we can show you why your premium is what it is)
- Considers: transaction patterns, business velocity, climate risks, location data
- 4
Choose Your Protection Plan
Select the coverage that fits your business. Choose from Basic (KES 4,500/month), Standard (KES 9,000/month), or Premium (KES 18,000/month). Each plan includes property damage, theft protection, fire coverage, and natural disaster protection. Higher tiers add business interruption, equipment replacement, and liability coverage.
- Three tiers: Basic, Standard, Premium
- Coverage ranges from KES 250,000 to KES 2,500,000
- Flexible monthly payments via M-PESA
- Underwritten by licensed insurer partners
- 5
You're Protected
Once your first premium payment goes through, your policy shows in the app. If you need to make a claim, submit it in the app with photos and details. Small claims (under KES 50,000) follow an auto-approval path with a 72-hour settlement target, and larger claims are reviewed by a person.
- Policy visible in the app after first payment
- Track claim status in the app
- Claims under KES 50,000: 72-hour settlement target
- Larger claims: human review
- Payouts to your M-PESA account
Pricing
Transparent Pricing, No Hidden Fees
Simple monthly plans, priced for small businesses. Cover is underwritten by licensed insurer partners.
Basic
Perfect for small shops and vendors
Coverage up to KES 250,000
- Property damage coverage
- Theft protection
- Fire & natural disasters
- 72-hour claim settlement target
- M-PESA payment integration
Standard
Ideal for growing businesses
Coverage up to KES 750,000
- Everything in Basic
- Business interruption
- Equipment replacement
- Priority claims support
- WhatsApp support
Premium
Comprehensive protection for established businesses
Coverage up to KES 2,500,000
- Everything in Standard
- Liability coverage
- Employee protection
- Custom risk assessment
- Priority support
Built for Every Kenyan Business
From street vendors to growing enterprises—we protect what matters most
Small Shops & Kiosks
Your corner store, retail shop, or kiosk deserves protection. Our Basic plan covers property damage, theft, and fire—perfect for businesses with KES 250,000 in assets.
Start at KES 4,500/monthTransport & Logistics
Boda boda operators, delivery businesses and service providers can protect their equipment and stock, with business interruption cover on the Standard plan.
Standard plan from KES 9,000/monthManufacturing & Workshops
Workshops, tailors, carpenters, and small manufacturers need comprehensive coverage. Our Premium plan protects equipment, inventory, and liability.
Premium plan from KES 18,000/monthBuilt on Trust & Technology
A technology platform built to work with licensed insurers
Licensed Insurer Partners
DukaSure is a technology platform, not an insurer. Policies are underwritten by licensed insurance partners.
Transparent Records
We are building smart contracts on Base L2 so insurers, customers and regulators can share one claim audit trail.
Secure by Design
Encrypted connections, one-time-code logins, and payments you approve on your own phone.
Explainable AI
Machine learning models with SHAP explanations support underwriting and flag unusual claims for review.