Run your whole agency from one system.
Clients and KYC, policies, M-Pesa premium collection, claims, underwriter commissions and renewals, all connected. Kenyan levies are worked out on every policy, and your agency gets its own website.
7-day free trial. No payment needed to start. Choose a plan when you're ready.
From a boda boda to a group medical scheme.
Each class captures the details it needs, such as vehicles for motor and members for medical, and life classes are exempt from levies automatically.
Everything an intermediary needs, connected.
When a premium comes in, the policy balance, the client's record and your commission position update together. No more reconciling spreadsheets at month end.
Policies
Quote, issue, endorse, renew and cancel for every class, with levies added automatically.
M-Pesa collection
STK push from the policy page, paybill payments matched by policy number.
Clients & KYC
ID, KRA PIN and documents on file, with one timeline per client.
Claims
Lodge against the policy and track every stage to settlement.
Commissions
Earned, received and outstanding commission per underwriter.
Renewals
A due list by 7 to 90 days, with SMS reminders before expiry.
Agency website
Your own site, with quote requests arriving in BimaFlow.
Reports
Production by class, underwriter and agent, exportable to CSV.
See it the way your team will use it.
Pick an area to see what your staff work with every day.
Quotation to issue, for every class.
Capture the risk once. BimaFlow adds the training levy, PHCF and stamp duty, works out your commission from the underwriter's rate and keeps the policy's full history.
- Vehicle details for motor, members and dependants for medical
- Premium finance (IPF) where it applies
- Renew, endorse or cancel from the existing policy
Get paid by M-Pesa, matched to the policy.
Send a payment prompt to the client's phone from the policy page. Payments to your paybill are matched by policy number, and anything unmatched waits for you to assign it.
- STK push and paybill (C2B) on your own M-Pesa shortcode
- Bank, cheque and cash recorded with their reference
- Outstanding balance on every policy and client
Every client, with their KYC in order.
Individual and corporate clients with ID or registration number, KRA PIN and KYC documents on file, and one timeline of every policy, payment, claim and note.
- KYC status at a glance, with incomplete records flagged
- Documents stored privately, never on a public link
- Assign each client to the agent who handles them
A clear record of every claim.
Claims are lodged against the policy, checked against its period of cover, and moved through each stage with a dated record of who did what.
- Claim forms, police abstracts, assessment reports and photos kept with the claim
- Approved amount, excess, discharge voucher and settlement recorded
- Open claims and their age on your dashboard
Know exactly what each underwriter owes you.
Set commission rates per underwriter and class. Commission is worked out on every policy, and remittances are matched to the policies they pay for.
- Earned, received and outstanding commission per underwriter
- Remittances allocated policy by policy
- Reports by class, underwriter and agent, with CSV export
Keep your renewals from slipping away.
See every policy coming due, prepare the renewal in one step, and with the renewal reminders add-on each client gets an SMS at four points before expiry.
- Reminders at 30, 14, 7 and 1 days before expiry
- Renewals list by 7, 30, 60 or 90 days
- Every message logged against the policy
One policy, from quote to renewal.
Each step picks up where the last one left off, so nothing is typed twice and nothing falls through the cracks.
- Step 1
Quote
Capture the risk and price it, with levies and stamp duty worked out.
- Step 2
Issue
Convert to a policy with the underwriter, cover dates and documents.
- Step 3
Collect
Send an M-Pesa prompt. The payment lands on the right policy.
- Step 4
Earn
Commission is calculated and tracked until the insurer remits it.
- Step 5
Support
Lodge and follow claims with every document in one place.
- Step 6
Renew
Reminders go out before expiry and renewal takes one step.
A professional website for your agency, ready on day one.
Every agency gets its own site at your-agency.bimaflow.co.ke, built from your logo, colours, the classes you offer and your contact details. Quote requests and enquiries land straight in BimaFlow.
- 7 designs to choose from, switch any time
- Use your own domain, such as www.youragency.co.ke
- Works on phones, with call and WhatsApp buttons
Type your agency's name to see the address you'll get.
From sign-up to your first policy in a day.
There is nothing to install. You can start setting up as soon as you register, while our team reviews your agency.
Register your agency 7 days free
Your agency name, your details and a password. Your free trial starts straight away. You become the owner account and get your website address straight away.
Add your underwriters Your panel and rates
Add the insurers you place with and your commission rate for each class. Commission is then worked out on every policy automatically.
Bring in your clients and policies
Add clients with their KYC documents and record their current policies, so renewals and balances are tracked from day one.
Invite your team Roles and permissions
Give each member of staff their own login, with a role that controls what they can see and do. Every action is logged.
Turn on collections and your website
Connect your M-Pesa paybill, pick a website design and publish. Quote requests from your site arrive in BimaFlow.
Spreadsheets and WhatsApp, or one system.
Work out a total premium.
The same calculation BimaFlow applies to every policy: training levy, PHCF levy and stamp duty on top of the basic premium.
Life and pension classes carry no levies or stamp duty.
In BimaFlow this comes from the underwriter's rate for the class.
For illustration. Rates shown are those configured in BimaFlow.
Simple pricing, based on your active policies.
Every plan starts with a 7-day free trial
Every plan includes all the core modules and your agency website. Prices are in Kenya shillings.
Included in every plan
- Client Register & KYC · Individual and corporate clients, KYC status and documents, and a full...
- Policy Administration · Quotes, motor and medical risk details, levies, issue, renewal, cancel...
- Claims Management · Lodge claims, attach documents and track them through assessment, disc...
- Underwriter Panel · Your underwriter panel with commission rates per class of business.
- Commission Tracking · Commission earned per policy against insurer remittances received.
- IRA Compliance Register · IRA licence, professional indemnity, permits and tax compliance with e...
- Logo & Branding · Upload your agency logo and set brand colours.
- Staff Management · Add staff with role-based permissions.
- Agency website · 7 designs, your own domain
Optional add-ons
Your book of business, kept in your hands.
Your data stays yours
Each agency's clients, policies and documents are kept separate, visible only to your own staff.
Roles for every staff member
Decide who can issue policies, record payments, approve claims or see commission.
A full activity log
Sign-ins and changes are recorded, so you can always see who did what and when.
Private documents and 2FA
KYC and claim documents are never on public links, and staff can protect sign-in with two-factor authentication.
Common questions
Who is BimaFlow for?
Insurance agencies and brokers in Kenya that want one system for clients, policies, premium collection, claims, underwriter commissions and renewals, plus a website for the agency.
Is there a free trial?
Yes. Every new agency gets 7 days free with every core feature, and no payment is needed to start. Before the trial ends, choose a plan from Billing and pay by M-Pesa. If the trial ends without a plan, your account is paused, not deleted: your clients, policies and documents stay safe and everything comes back the moment you subscribe.
How quickly can we start?
Straight away. Registration takes a couple of minutes and you can begin adding underwriters, clients and policies immediately. Our team reviews each new agency before it goes fully live.
Do we need to install anything?
No. BimaFlow runs in the browser on computers, tablets and phones. There are no servers to run or software to update.
Which classes of insurance are supported?
Motor (private, commercial, PSV, third party and motorcycle), medical for individuals, families and groups, general classes including WIBA, domestic package, fire, burglary, all risks, public liability, professional indemnity, contractors all risks, marine, travel and personal accident, and life classes including life assurance, education and last expense.
How are levies and stamp duty handled?
The training levy and the Policyholders Compensation Fund levy are calculated as percentages of the basic premium, and stamp duty is added per policy. Life and pension classes are exempt.
How does M-Pesa collection work?
With the M-Pesa add-on you connect your own paybill. You can send a payment prompt to the client's phone, and payments made to the paybill with the policy number as the account are matched automatically. Anything unmatched waits for you to assign it.
How is my plan worked out?
By your number of active policies: Starter up to 200, Professional 201–1,000, Enterprise above 1,000. Paying quarterly saves 5% and paying annually saves 10%.
Can our agency website use our own domain?
Yes. Every agency gets an address on bimaflow.co.ke, and you can point your own domain to it with a single DNS record, keeping your email where it is.
Can you help us get set up?
Yes. Book a demo and we'll walk you and your team through BimaFlow and help with underwriters, M-Pesa and your website.
See BimaFlow with your own agency in mind.
Leave your details and our team will call you to arrange a walkthrough at a time that suits you.
- A live tour of policies, collections, claims and commissions
- Answers on pricing, M-Pesa and moving your clients across
- No obligation
Bring your agency onto BimaFlow.
Try it free for 7 days. Register in two minutes and issue your first policy today.
