Business insurance in Rwanda — RSSB, property

Short answerChecked 31 October 2026

A business in Rwanda deals with two layers. For staff, RSSB runs the occupational hazards (work injury) scheme, the maternity leave scheme and the medical scheme (RAMA), which an employer with at least seven employees may join. For assets and liabilities, licensed insurers sell property, liability, marine, guarantee and agriculture insurance, and every vehicle needs compulsory motor third-party cover. Buy from a company on the BNR list or through a licensed broker.

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Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

Do I need work injury cover for my staff?Is my stock covered against theft?What is business interruption cover?

On this page · 5 sections

Staff: the RSSB schemes
Assets and liabilities: what insurers sell
When something happens
FAQ
Sources

Staff: the RSSB schemes

Scheme	What it does	Read
Occupational hazards	Work accidents (at work, commuting, on assignment) and occupational diseases: medical care, 75% of daily earnings in temporary incapacity, pensions, survivors' allowances	Occupational hazards
Maternity leave benefits	14 weeks on full salary; RSSB refunds the employer the last 8 weeks	Maternity leave
Medical scheme (RAMA)	15% of basic salary (7.5% + 7.5%); RSSB pays 85% of eligible care	RSSB medical insurance

Sources: RSSB occupational hazards, maternity, medical scheme.

Assets and liabilities: what insurers sell

The BNR lists these non-life classes: property (fire, theft, natural disasters), liability (negligence or accidental harm to third parties), marine (goods transported by sea, air or land), guarantee (contractual obligations), agriculture (crops and livestock) and micro-insurance (BNR FAQ).

A foreign insurer may insure a risk in Rwanda only with BNR authorisation, when no Rwandan insurer can cover it or the class is not available in Rwanda (Law n° 030/2021, article 8) (Law). A captive insurer is also licensed: Defence Captive Insurance Company (DCIC) Plc, 2022 (BNR list).

When something happens

Declare the event in detail to the insurer within 5 working days (article 121); a rejection must be explained in writing within 10 working days (article 122); once liability is admitted, payment is due within one month (article 123). Unless the policy says otherwise, an insurer is not liable for damage due to political, war or terrorist reasons (article 159) (Law n° 030/2021).

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Next step

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Frequently asked questions

Is work injury insurance compulsory in Rwanda?

Employees are covered by RSSB's occupational hazards scheme for accidents at work, commuting or on assignment, and occupational diseases (RSSB). See occupational hazards.

Does business insurance cover riots or terrorism in Rwanda?

Not unless the policy says so: the insurance law excludes damage for political, war or terrorist reasons unless otherwise agreed (Law n° 030/2021, article 159).