Fire insurance a necessity, not a luxury for business, home owners

If there's one thing that can turn a lifetime of hard work into ashes in minutes, it's fire. For example, in the last two months we've witnessed fires at Sigona and Limuru golf clubs yet, in Kenya, fire insurance is one of the least discussed topics-until disaster strikes.

From the sprawling estates of Nairobi to the bustling small businesses in downtown Kisumu, many Kenyans operate without a safety net in case the unexpected happens. How many times have you heard about a market burning down, an apartment complex catching fire, or even your favourite nyama choma joint going up in flames?