Instive Insurance Group

The specialty desk built for risks others decline

Instive was founded on a simple observation: the risks that matter most to East African businesses — gemstones, project guarantees, cross-border cargo — were the ones no insurer wanted to write. So we built an underwriting desk around them.

10+ years
Specialist underwriting experience

Our story

From Nakasero to the world's trading floors

Headquartered on Victoria Avenue in Nakasero, Kampala, with an international desk serving clients in the UK and beyond, Instive combines local market knowledge with reinsurance-backed capacity. Our underwriters have spent a decade pricing the risks that generic insurers pattern-match to "decline" — and building the claims discipline to stand behind them.

Licensed & regulated

Authorised by the Insurance Regulatory Authority of Uganda.

Named underwriters

Every client gets a person, a direct line and a WhatsApp thread — not a ticket queue.

48-hour claim decisions

Documented claims get a decision within two working days, tracked end to end.

Global capacity

Reinsurance partnerships that let us write limits most local desks cannot.

Talk to us

Our values

How we work

Discretion

High-value clients get sealed valuations, private handling and strict confidentiality — always.

Honesty

If we wouldn't pay a claim on it, we won't sell you the policy. Exclusions are explained before you sign.

Speed

Same-day certificates, six-day bonds, 48-hour claim decisions. Deadlines are part of the product.