Post-conflict Kenya offers a unique case study for examining legal challenges and opportunities in African states. A qualitative approach was employed to explore the legislative framework and practical implementation of insurance laws in Kenya following its conflict period. Insurance coverage rates are notably low (around 20%) among post-conflict communities, highlighting the need for targeted legal reforms and social protection measures. The current legal landscape in Kenya is fragmented, with a lack of comprehensive insurance policies that align with economic recovery goals. This has led to significant financial vulnerabilities for affected populations. Implementing a national insurance scheme tailored to post-conflict needs should be prioritised, alongside strengthening the regulatory framework and enhancing public awareness campaigns.