# Incourage

> Digital insurance distribution platform enabling agents, brokers, and partners to sell policies online in Kenya

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Nairobi, Kenya |
| Founded | 2022 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Incourage is a digital insurance distribution platform for agents, brokers, and distribution partners in Kenya. The company operates a B2B2C marketplace model that connects intermediaries with multiple insurance underwriters, enabling cross-selling of policies across personal and commercial lines.

The platform simplifies policy distribution by handling enrollment, premium collection, and customer communication. Partner organizations can expand their insurance offerings without building their own distribution infrastructure. Incourage positions itself as a channel enabler, allowing agents and brokers to earn passive income by embedding insurance into their existing customer relationships.

Founded in 2022 and headquartered in Nairobi, Incourage is bootstrapped and operates within Kenya's growing insurtech ecosystem. A notable August 2025 partnership with Old Mutual, the Kenya Bodaboda Association, Rescue.Co, and Rafiki Microfinance Bank brought the Boda Riders Super Cover to motorcycle taxi operators -- a specialized insurance product targeting an underserved gig economy segment with hospitalization and last expense benefits.

## Products & services

### Digital Insurance Marketplace

An online platform connecting agents, brokers, and distribution partners with multiple insurance underwriters. Users can quote, sell, and manage policies from a single interface, reducing friction in the traditional distribution process.

**Key features:**

- Multi\-underwriter access from one platform
- Online policy purchase and management
- Premium collection and enrollment handling

*Target users:* Insurance agents, brokers, and distribution partners

### Boda Riders Super Cover \(Distribution\)

Incourage acts as a distribution partner for the Boda Riders Super Cover, a specialty insurance product launched in August 2025 in partnership with Old Mutual, the Kenya Bodaboda Association (KBA), Rescue.Co, and Rafiki Microfinance Bank. The product provides motorcycle taxi operators with KES 1,000 per night hospitalization benefit (from the third night, up to 50 nights per year) and a KES 100,000 last expense benefit.

**Key features:**

- Hospitalization benefit for boda boda riders
- Last expense benefit for families
- Premium financing through Rafiki Microfinance Bank

*Target users:* Motorcycle taxi \(boda boda\) operators in Kenya

## Category & focus

- Subcategories: Digital Insurance Marketplace, Embedded Insurance
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S
- Target customers: Agents/Agencies, Brokers, Carriers

## Notable customers

- Old Mutual \(carrier partner for Boda Riders Super Cover\)
- Kenya Bodaboda Association \(KBA\) \(member enrollment and claims facilitation\)
- Rescue\.Co \(emergency coordination\)
- Rafiki Microfinance Bank \(distribution and premium financing\)

## Links

- Website: <https://incourage.co.ke>
- Directory profile: <https://insurtechlist.com/companies/incourage/>
- Linkedin: <https://ke.linkedin.com/company/incourage5>

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*Last updated: 2026\-06\-21*