Audio By Vocalize Insurance companies rarely confront their defining challenges during periods of crisis. More often, moments of introspection emerge during growth, when expansion exposes structural weaknesses that scale alongside success. Kenya’s insurance sector finds itself in such a phase, where premium volumes are rising, reaching Sh352.29 billion by the third quarter of 2025 as total industry assets surpassed Sh1 trillion for the first time. Regulators attribute this growth partly to innovation and increasing recognition of insurance as a financial protection tool. However, penetration remains stubbornly low at just over two per cent of GDP, far below the global average…