{"id":763,"date":"2026-07-27T07:11:42","date_gmt":"2026-07-27T07:11:42","guid":{"rendered":"https:\/\/geminia.co.ke\/dev\/?page_id=763"},"modified":"2026-09-04T08:21:42","modified_gmt":"2026-09-04T08:21:42","slug":"wiba","status":"publish","type":"page","link":"https:\/\/geminia.co.ke\/dev\/wiba\/","title":{"rendered":"WIBA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"763\" class=\"elementor elementor-763\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1919df8 e-con-full e-flex e-con e-parent\" data-id=\"1919df8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff376cc elementor-widget elementor-widget-html\" data-id=\"ff376cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n  .gem-purpose {\r\n    position: relative;\r\n    width: 100%;\r\n    min-height: 420px;\r\n    display: flex;\r\n    align-items: center;\r\n    background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/WIBA-Cover.jpg');\r\n    background-size: cover;\r\n    background-position: center;\r\n    overflow: hidden;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n\r\n  \/* Darken the photo a touch so the color wash + text pop *\/\r\n  .gem-purpose::before {\r\n    content: \"\";\r\n    position: absolute;\r\n    inset: 0;\r\n    background: linear-gradient(\r\n      100deg,\r\n      rgba(10, 10, 25, 0.75) 0%,\r\n      rgba(10, 10, 25, 0.5) 40%,\r\n      rgba(10, 10, 25, 0.35) 100%\r\n    );\r\n    z-index: 1;\r\n  }\r\n\r\n  \/* Floating color blobs \u2014 brand colors blended over the photo *\/\r\n  .gem-purpose__blob {\r\n    position: absolute;\r\n    border-radius: 50%;\r\n    filter: blur(70px);\r\n    mix-blend-mode: screen;\r\n    z-index: 2;\r\n    pointer-events: none;\r\n  }\r\n\r\n  .gem-purpose__blob--blue {\r\n    width: 480px;\r\n    height: 480px;\r\n    background: radial-gradient(circle at center, #43a8de 0%, rgba(67, 168, 222, 0) 70%);\r\n    top: -140px;\r\n    left: 5%;\r\n    opacity: 0.85;\r\n    will-change: transform;\r\n  }\r\n\r\n  .gem-purpose__blob--indigo {\r\n    width: 560px;\r\n    height: 560px;\r\n    background: radial-gradient(circle at center, #393680 0%, rgba(57, 54, 128, 0) 70%);\r\n    bottom: -220px;\r\n    left: 30%;\r\n    opacity: 0.9;\r\n    will-change: transform;\r\n  }\r\n\r\n  .gem-purpose__blob--blue2 {\r\n    width: 360px;\r\n    height: 360px;\r\n    background: radial-gradient(circle at center, #43a8de 0%, rgba(67, 168, 222, 0) 70%);\r\n    top: 20%;\r\n    right: 8%;\r\n    opacity: 0.6;\r\n    will-change: transform;\r\n  }\r\n\r\n  \/* Positions above are the resting state used when motion is reduced or JS hasn't run yet *\/\r\n\r\n  .gem-purpose__inner {\r\n    position: relative;\r\n    z-index: 3;\r\n    width: 100%;\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n    padding: 0 40px;\r\n  }\r\n\r\n  .gem-purpose__content {\r\n    max-width: 640px;\r\n  }\r\n\r\n  .gem-purpose__eyebrow {\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 500;\r\n    font-size: 14px;\r\n    color: #ffffff;\r\n    margin: 0 0 8px 0;\r\n    text-transform: uppercase;\r\n    letter-spacing: 3px;\r\n\r\n  }\r\n\r\n  .gem-purpose__title {\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 700;\r\n    font-size: 38px;\r\n    line-height: 1.25;\r\n    color: #ffffff;\r\n    margin: 0 0 28px 0;\r\n  }\r\n\r\n  .gem-purpose__cta {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    padding: 16px 30px;\r\n    background: #3fa6dd;\r\n    color: #ffffff !important;\r\n    text-decoration: none !important;\r\n    border-radius: 999px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 600;\r\n    font-size: 14.5px;\r\n    box-shadow: 0 12px 26px rgba(63, 166, 221, 0.4);\r\n    transition: background 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;\r\n  }\r\n  .gem-purpose__cta:hover {\r\n    background: #2f92c9;\r\n    text-decoration: none !important;\r\n    transform: translateY(-2px);\r\n    box-shadow: 0 16px 30px rgba(63, 166, 221, 0.48);\r\n  }\r\n  .gem-purpose__cta:focus-visible {\r\n    outline: 2px solid #ffffff;\r\n    outline-offset: 3px;\r\n  }\r\n\r\n  @media (max-width: 991px) {\r\n    .gem-purpose {\r\n      min-height: 360px;\r\n    }\r\n    .gem-purpose__title {\r\n      font-size: 30px;\r\n    }\r\n    .gem-purpose__blob--blue { width: 340px; height: 340px; }\r\n    .gem-purpose__blob--indigo { width: 400px; height: 400px; }\r\n    .gem-purpose__blob--blue2 { width: 260px; height: 260px; }\r\n  }\r\n\r\n  @media (max-width: 600px) {\r\n    .gem-purpose {\r\n      min-height: 320px;\r\n    }\r\n    .gem-purpose__inner {\r\n      padding: 0 24px;\r\n    }\r\n    .gem-purpose__title {\r\n      font-size: 24px;\r\n    }\r\n    .gem-purpose__eyebrow {\r\n      font-size: 16px;\r\n    }\r\n    .gem-purpose__cta {\r\n      padding: 14px 26px;\r\n      font-size: 13.5px;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"gem-purpose\">\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--blue\"><\/div>\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--indigo\"><\/div>\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--blue2\"><\/div>\r\n\r\n  <div class=\"gem-purpose__inner\">\r\n    <div class=\"gem-purpose__content\">\r\n      <p class=\"gem-purpose__eyebrow\">Helping You Build a Safer Workplace.<\/p>\r\n      <h2 class=\"gem-purpose__title\">A safe workplace starts with the right protection.<\/h2>\r\n      <a class=\"gem-purpose__cta\" href=\"https:\/\/geminia.co.ke\/dev\/wiba-form\/\">Purchase Cover<\/a>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n(function () {\r\n  var hero = document.querySelector('.gem-purpose');\r\n  if (!hero) return;\r\n\r\n  \/\/ Respect users who've asked for reduced motion \u2014 blobs just stay put.\r\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\r\n\r\n  \/\/ Each blob keeps a gentle ambient drift ALL the time, plus a mouse-driven\r\n  \/\/ push once you hover the section.\r\n  \/\/   mouseStrength > 0  \u2192 blob drifts toward the direction the cursor moves\r\n  \/\/   mouseStrength < 0  \u2192 blob drifts away from the cursor\r\n  \/\/ Tweak these numbers to taste.\r\n  var blobs = [\r\n    { el: hero.querySelector('.gem-purpose__blob--blue'),   ampX: 35, ampY: 25, speedX: 0.15, speedY: 0.18, phase: 0, mouseStrength: 70  },\r\n    { el: hero.querySelector('.gem-purpose__blob--indigo'), ampX: 30, ampY: 20, speedX: 0.10, speedY: 0.13, phase: 2, mouseStrength: -50 },\r\n    { el: hero.querySelector('.gem-purpose__blob--blue2'),  ampX: 25, ampY: 22, speedX: 0.20, speedY: 0.16, phase: 4, mouseStrength: 90  }\r\n  ];\r\n\r\n  var targetX = 0, targetY = 0;   \/\/ where the mouse wants the blobs to go (-1 to 1)\r\n  var mouseX = 0, mouseY = 0;     \/\/ smoothed value that actually gets applied\r\n\r\n  hero.addEventListener('mousemove', function (e) {\r\n    var rect = hero.getBoundingClientRect();\r\n    targetX = ((e.clientX - rect.left) \/ rect.width - 0.5) * 2;\r\n    targetY = ((e.clientY - rect.top) \/ rect.height - 0.5) * 2;\r\n  });\r\n\r\n  \/\/ Mouse leaves the section \u2192 target returns to center, blobs ease back\r\n  \/\/ into their plain ambient drift.\r\n  hero.addEventListener('mouseleave', function () {\r\n    targetX = 0;\r\n    targetY = 0;\r\n  });\r\n\r\n  function animate(time) {\r\n    var t = time \/ 1000;\r\n\r\n    \/\/ Smoothly chase the target instead of snapping to the cursor \u2014\r\n    \/\/ this is what gives the blobs their soft, trailing feel.\r\n    mouseX += (targetX - mouseX) * 0.04;\r\n    mouseY += (targetY - mouseY) * 0.04;\r\n\r\n    for (var i = 0; i < blobs.length; i++) {\r\n      var b = blobs[i];\r\n      var floatX = Math.sin(t * b.speedX + b.phase) * b.ampX;\r\n      var floatY = Math.cos(t * b.speedY + b.phase) * b.ampY;\r\n      var x = floatX + mouseX * b.mouseStrength;\r\n      var y = floatY + mouseY * b.mouseStrength;\r\n      b.el.style.transform = 'translate(' + x.toFixed(1) + 'px, ' + y.toFixed(1) + 'px)';\r\n    }\r\n\r\n    requestAnimationFrame(animate);\r\n  }\r\n\r\n  requestAnimationFrame(animate);\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c138ff e-con-full e-flex e-con e-parent\" data-id=\"0c138ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e27c4c elementor-widget elementor-widget-html\" data-id=\"5e27c4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<section class=\"gm-wiba\">\r\n\r\n  <!-- ===== Top navy intro ===== -->\r\n  <div class=\"gm-wiba__tabbar\">\r\n    <div class=\"gm-wiba__tabbar-inner\">\r\n      <p class=\"gm-wiba__eyebrow\">Work Injury Benefits Act (WIBA) Insurance<\/p>\r\n      <div class=\"gm-wiba__intro\">\r\n        <p class=\"gm-wiba__intro-text\" id=\"gmWibaIntroText\">A safe workplace starts with the right protection. Geminia Work Injury Benefits Act (WIBA) Insurance is a mandatory insurance cover that provides compensation to employees who suffer work-related injuries, occupational illnesses, disability, or death while carrying out their duties.<\/p>\r\n        <a class=\"gm-wiba__cta\" href=\"https:\/\/geminia.co.ke\/dev\/wiba-form\/\">Get Quotation<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- ===== Lower content: details + form ===== -->\r\n  <div class=\"gm-wiba__body\">\r\n    <div class=\"gm-wiba__body-inner\">\r\n\r\n      <div class=\"gm-wiba__details\">\r\n        <p class=\"gm-wiba__detail-text\">Designed to comply with Kenya's Work Injury Benefits Act (WIBA), this cover helps employers meet their legal obligations while protecting both their workforce and business from the financial impact of workplace accidents.<\/p>\r\n\r\n        <div class=\"gm-wiba__switch\" role=\"tablist\" aria-label=\"View ideal for, what is covered, or why choose Geminia\">\r\n          <span class=\"gm-wiba__switch-highlight\" id=\"gmWibaSwitchHighlight\" aria-hidden=\"true\"><\/span>\r\n          <button type=\"button\" class=\"gm-wiba__switch-btn is-active\" role=\"tab\" aria-selected=\"true\" id=\"gmWibaSubTab-ideal\" aria-controls=\"gmWibaListWrap\" data-sub=\"ideal\">Ideal For<\/button>\r\n          <button type=\"button\" class=\"gm-wiba__switch-btn\" role=\"tab\" aria-selected=\"false\" id=\"gmWibaSubTab-covered\" aria-controls=\"gmWibaListWrap\" data-sub=\"covered\">What Is Covered<\/button>\r\n          <button type=\"button\" class=\"gm-wiba__switch-btn\" role=\"tab\" aria-selected=\"false\" id=\"gmWibaSubTab-why\" aria-controls=\"gmWibaListWrap\" data-sub=\"why\">Why Choose Geminia?<\/button>\r\n        <\/div>\r\n\r\n        <div class=\"gm-wiba__list-wrap\" id=\"gmWibaListWrap\" role=\"tabpanel\" aria-labelledby=\"gmWibaSubTab-ideal\"><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"gm-wiba__form-card\">\r\n        <h3 class=\"gm-wiba__form-title\">Request Call Back<\/h3>\r\n\r\n        <form id=\"gmWibaCallbackForm\" class=\"gm-wiba__form\" novalidate>\r\n          <div class=\"gm-wiba__field\">\r\n            <label for=\"gmWibaName\">Name<\/label>\r\n            <input type=\"text\" id=\"gmWibaName\" name=\"name\" autocomplete=\"name\" required>\r\n          <\/div>\r\n          <div class=\"gm-wiba__field\">\r\n            <label for=\"gmWibaEmail\">Email Address<\/label>\r\n            <input type=\"email\" id=\"gmWibaEmail\" name=\"email\" autocomplete=\"email\" required>\r\n          <\/div>\r\n          <div class=\"gm-wiba__field\">\r\n            <label for=\"gmWibaPhone\">Phone Number<\/label>\r\n            <input type=\"tel\" id=\"gmWibaPhone\" name=\"phone\" autocomplete=\"tel\" required>\r\n          <\/div>\r\n          <div class=\"gm-wiba__field\">\r\n            <label for=\"gmWibaComment\">Comment<\/label>\r\n            <textarea id=\"gmWibaComment\" name=\"comment\" rows=\"4\"><\/textarea>\r\n          <\/div>\r\n\r\n          <input type=\"hidden\" name=\"cover_type\" value=\"WIBA Insurance\">\r\n\r\n          <button type=\"submit\" class=\"gm-wiba__submit\">Submit<\/button>\r\n          <p class=\"gm-wiba__form-status\" id=\"gmWibaFormStatus\" role=\"status\" aria-live=\"polite\"><\/p>\r\n        <\/form>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n  .gm-wiba{\r\n    --purple: #393680;\r\n    --sky: #3fa6dd;\r\n    --body-bg: #eef0f4;\r\n    --text-dark: #2c2c34;\r\n    box-sizing: border-box;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n  .gm-wiba *{ box-sizing: border-box; }\r\n\r\n  \/* ---------- Top navy intro ---------- *\/\r\n  .gm-wiba__tabbar{ background: var(--purple); }\r\n  .gm-wiba__tabbar-inner{\r\n    max-width: 1080px;\r\n    margin: 0 auto;\r\n    padding: 44px 24px 40px;\r\n  }\r\n\r\n  .gm-wiba__eyebrow{\r\n    margin: 0 0 18px;\r\n    font-weight: 600;\r\n    font-size: 13px;\r\n    letter-spacing: 2px;\r\n    text-transform: uppercase;\r\n    color: var(--sky);\r\n  }\r\n\r\n  .gm-wiba__intro{\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 22px;\r\n  }\r\n  .gm-wiba__intro-text{\r\n    margin: 0;\r\n    max-width: 100%;\r\n    font-weight: 400;\r\n    font-size: 16px;\r\n    line-height: 1.75;\r\n    color: rgba(255,255,255,0.92);\r\n  }\r\n  .gm-wiba__cta{\r\n    align-self: flex-end;\r\n    font-weight: 500;\r\n    font-size: 15px;\r\n    color: #ffffff;\r\n    text-decoration: none;\r\n    padding-bottom: 3px;\r\n    border-bottom: 1px solid rgba(255,255,255,0.4);\r\n    transition: border-color 0.25s ease, color 0.25s ease;\r\n    white-space: nowrap;\r\n  }\r\n  .gm-wiba__cta:hover{ color: var(--sky); border-color: var(--sky); }\r\n  .gm-wiba__cta:focus-visible{ outline: 2px solid var(--sky); outline-offset: 4px; }\r\n\r\n  \/* ---------- Lower body ---------- *\/\r\n  .gm-wiba__body{ background: var(--body-bg); padding: 56px 24px; }\r\n  .gm-wiba__body-inner{\r\n    max-width: 1080px;\r\n    margin: 0 auto;\r\n    display: grid;\r\n    grid-template-columns: 1.15fr 0.85fr;\r\n    gap: 48px;\r\n    align-items: start;\r\n  }\r\n\r\n  .gm-wiba__detail-text{\r\n    margin: 0 0 26px;\r\n    font-weight: 400;\r\n    font-size: 16.5px;\r\n    line-height: 1.75;\r\n    color: var(--text-dark);\r\n  }\r\n\r\n  \/* Ideal For \/ What Is Covered \/ Why Choose switch *\/\r\n  .gm-wiba__switch{\r\n    position: relative;\r\n    display: inline-flex;\r\n    background: #ffffff;\r\n    border-radius: 999px;\r\n    padding: 5px;\r\n    box-shadow: 0 6px 18px rgba(30, 20, 70, 0.1);\r\n    margin-bottom: 24px;\r\n    max-width: 100%;\r\n  }\r\n  .gm-wiba__switch-highlight{\r\n    position: absolute;\r\n    top: 5px;\r\n    left: 5px;\r\n    height: calc(100% - 10px);\r\n    width: 0;\r\n    background: var(--sky);\r\n    border-radius: 999px;\r\n    transition: transform 0.3s cubic-bezier(.4,0,.2,1), width 0.3s cubic-bezier(.4,0,.2,1);\r\n  }\r\n  .gm-wiba__switch-btn,\r\n  .gm-wiba__switch-btn:hover,\r\n  .gm-wiba__switch-btn:focus,\r\n  .gm-wiba__switch-btn:active,\r\n  .gm-wiba__switch-btn.is-active{\r\n    background: none !important;\r\n    background-color: transparent !important;\r\n    -webkit-tap-highlight-color: transparent;\r\n  }\r\n  .gm-wiba__switch-btn{\r\n    position: relative;\r\n    z-index: 1;\r\n    border: none;\r\n    cursor: pointer;\r\n    padding: 12px 20px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 500;\r\n    font-size: 14px;\r\n    color: var(--text-dark);\r\n    border-radius: 999px;\r\n    white-space: nowrap;\r\n    transition: color 0.3s ease;\r\n  }\r\n  .gm-wiba__switch-btn.is-active{ color: #ffffff; font-weight: 600; }\r\n  .gm-wiba__switch-btn:hover:not(.is-active){ color: #393780; }\r\n  .gm-wiba__switch-btn:focus-visible{\r\n    outline: 2px solid var(--purple);\r\n    outline-offset: 2px;\r\n  }\r\n\r\n  \/* Plain bulleted list (Ideal For \/ What Is Covered) *\/\r\n  .gm-wiba__list{\r\n    list-style: none;\r\n    margin: 0;\r\n    padding: 0;\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 12px;\r\n  }\r\n  .gm-wiba__list li{\r\n    position: relative;\r\n    padding-left: 22px;\r\n    font-weight: 400;\r\n    font-size: 15.5px;\r\n    line-height: 1.5;\r\n    color: var(--text-dark);\r\n  }\r\n  .gm-wiba__list li::before{\r\n    content: '';\r\n    position: absolute;\r\n    left: 0;\r\n    top: 8px;\r\n    width: 7px;\r\n    height: 7px;\r\n    border-radius: 50%;\r\n    background: var(--sky);\r\n  }\r\n\r\n  \/* Feature grid (Why Choose Geminia) *\/\r\n  .gm-wiba__feature-grid{\r\n    display: grid;\r\n    grid-template-columns: repeat(2, 1fr);\r\n    gap: 20px 24px;\r\n  }\r\n  .gm-wiba__feature{\r\n    padding: 16px 18px;\r\n    background: #ffffff;\r\n    border-radius: 12px;\r\n    box-shadow: 0 4px 14px rgba(30, 20, 70, 0.06);\r\n  }\r\n  .gm-wiba__feature-title{\r\n    margin: 0 0 6px;\r\n    font-weight: 600;\r\n    font-size: 15px;\r\n    color: var(--purple);\r\n  }\r\n  .gm-wiba__feature-text{\r\n    margin: 0;\r\n    font-weight: 400;\r\n    font-size: 14.5px;\r\n    line-height: 1.55;\r\n    color: var(--text-dark);\r\n  }\r\n\r\n  .gm-fade-refresh-tr{ animation: gmWibaFade 0.35s ease; }\r\n  @keyframes gmWibaFade{\r\n    from{ opacity: 0; transform: translateY(6px); }\r\n    to{ opacity: 1; transform: translateY(0); }\r\n  }\r\n\r\n  \/* ---------- Request Call Back card ---------- *\/\r\n  .gm-wiba__form-card{\r\n    background: var(--sky);\r\n    border-radius: 16px;\r\n    padding: 36px 32px 32px;\r\n  }\r\n  .gm-wiba__form-title{\r\n    margin: 0 0 22px;\r\n    font-weight: 700;\r\n    font-size: 24px;\r\n    color: var(--purple);\r\n  }\r\n  .gm-wiba__field{ margin-bottom: 18px; }\r\n  .gm-wiba__field label{\r\n    display: block;\r\n    margin-bottom: 8px;\r\n    font-weight: 500;\r\n    font-size: 14.5px;\r\n    color: #ffffff;\r\n  }\r\n  .gm-wiba__field input,\r\n  .gm-wiba__field textarea{\r\n    width: 100%;\r\n    border: none;\r\n    border-radius: 8px;\r\n    padding: 12px 14px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-size: 14.5px;\r\n    color: var(--text-dark);\r\n    background: #ffffff;\r\n    resize: vertical;\r\n  }\r\n  .gm-wiba__field input:focus-visible,\r\n  .gm-wiba__field textarea:focus-visible{\r\n    outline: 2px solid var(--purple);\r\n    outline-offset: 2px;\r\n  }\r\n  .gm-wiba__field input:invalid:not(:placeholder-shown){\r\n    box-shadow: inset 0 0 0 1.5px #d64545;\r\n  }\r\n\r\n  .gm-wiba__submit{\r\n    margin-top: 6px;\r\n    padding: 13px 34px;\r\n    background: var(--purple);\r\n    color: #ffffff;\r\n    border: none;\r\n    border-radius: 999px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 600;\r\n    font-size: 14.5px;\r\n    cursor: pointer;\r\n    transition: background 0.25s ease, transform 0.25s ease;\r\n  }\r\n  .gm-wiba__submit:hover{ background: #2d2a66; transform: translateY(-1px); }\r\n  .gm-wiba__submit:focus-visible{ outline: 2px solid #ffffff; outline-offset: 3px; }\r\n  .gm-wiba__submit:disabled{ opacity: 0.7; cursor: default; transform: none; }\r\n\r\n  .gm-wiba__form-status{\r\n    margin: 12px 0 0;\r\n    font-size: 13.5px;\r\n    font-weight: 500;\r\n    color: #ffffff;\r\n    min-height: 18px;\r\n  }\r\n  .gm-wiba__form-status.is-error{ color: #fff2f2; }\r\n\r\n  \/* ---------- Responsive ---------- *\/\r\n  @media (max-width: 900px){\r\n    .gm-wiba__body-inner{ grid-template-columns: 1fr; gap: 40px; }\r\n  }\r\n\r\n  @media (max-width: 720px){\r\n    .gm-wiba__cta{ align-self: flex-start; }\r\n    .gm-wiba__tabbar-inner{ padding: 36px 20px 32px; }\r\n    .gm-wiba__body{ padding: 44px 20px; }\r\n    .gm-wiba__switch{ width: 100%; flex-wrap: wrap; }\r\n    .gm-wiba__switch-btn{ flex: 1; text-align: center; padding: 12px 8px; }\r\n    .gm-wiba__form-card{ padding: 28px 22px 26px; }\r\n    .gm-wiba__feature-grid{ grid-template-columns: 1fr; }\r\n  }\r\n\r\n  @media (prefers-reduced-motion: reduce){\r\n    .gm-fade-refresh-tr{ animation: none; }\r\n    .gm-wiba__switch-highlight{ transition: none; }\r\n    .gm-wiba__submit{ transition: none; }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  var section = document.querySelector('.gm-wiba');\r\n  if (!section) return;\r\n\r\n  \/* ---------- Centralized content data ---------- *\/\r\n  var data = {\r\n    idealFor: [\r\n      \"Small and Medium Enterprises (SMEs)\",\r\n      \"Manufacturing and industrial businesses\",\r\n      \"Construction companies\",\r\n      \"Offices and corporate organisations\",\r\n      \"Schools and educational institutions\",\r\n      \"Hospitals and healthcare facilities\",\r\n      \"Hotels and restaurants\",\r\n      \"Retail shops and supermarkets\",\r\n      \"Any business with employees\"\r\n    ],\r\n    whatIsCovered: [\r\n      \"Work-Related Injuries \u2013 Compensation for injuries sustained while carrying out official duties.\",\r\n      \"Occupational Diseases \u2013 Cover for illnesses contracted as a result of the employee's work environment.\",\r\n      \"Accidental Death \u2013 Compensation to eligible beneficiaries in accordance with the WIBA Act.\",\r\n      \"Permanent Total Disablement (PTD) \u2013 Compensation for permanent disabilities resulting from workplace accidents.\",\r\n      \"Temporary Total Disablement (TTD) \u2013 Income replacement benefits for employees who are temporarily unable to work following a workplace injury.\",\r\n      \"Medical Expenses \u2013 Cover for medical treatment arising from work-related injuries or occupational illnesses.\"\r\n    ],\r\n    whyChoose: [\r\n      { title: \"Stay Legally Compliant\", text: \"Meet the requirements of Kenya's Work Injury Benefits Act by protecting your employees against workplace injuries and occupational diseases.\" },\r\n      { title: \"Protect Your Employees\", text: \"Provide financial support when employees suffer injuries or illnesses in the course of their employment.\" },\r\n      { title: \"Safeguard Your Business\", text: \"Reduce the financial burden associated with workplace compensation claims and demonstrate your commitment to employee welfare.\" },\r\n      { title: \"Flexible Protection\", text: \"For businesses seeking 24-hour employee protection beyond working hours, Geminia also offers WIBA Plus, which extends cover outside the workplace.\" },\r\n      { title: \"Trusted Since 1981\", text: \"For over four decades, Geminia Insurance has been helping Kenyan businesses protect their employees and grow with confidence.\" }\r\n    ]\r\n  };\r\n\r\n  var listWrap = section.querySelector('#gmWibaListWrap');\r\n  var subTabs = Array.prototype.slice.call(section.querySelectorAll('.gm-wiba__switch-btn'));\r\n  var switchWrap = section.querySelector('.gm-wiba__switch');\r\n  var highlight = section.querySelector('#gmWibaSwitchHighlight');\r\n\r\n  var activeSub = 'ideal';\r\n\r\n  function fadeRefresh(el){\r\n    el.classList.remove('gm-fade-refresh-tr');\r\n    void el.offsetWidth; \/* force reflow so the animation can restart *\/\r\n    el.classList.add('gm-fade-refresh-tr');\r\n  }\r\n\r\n  function renderBulletList(items){\r\n    var ul = document.createElement('ul');\r\n    ul.className = 'gm-wiba__list';\r\n    items.forEach(function(text){\r\n      var li = document.createElement('li');\r\n      li.textContent = text;\r\n      ul.appendChild(li);\r\n    });\r\n    return ul;\r\n  }\r\n\r\n  function renderFeatureGrid(items){\r\n    var grid = document.createElement('div');\r\n    grid.className = 'gm-wiba__feature-grid';\r\n    items.forEach(function(item){\r\n      var card = document.createElement('div');\r\n      card.className = 'gm-wiba__feature';\r\n      var title = document.createElement('h4');\r\n      title.className = 'gm-wiba__feature-title';\r\n      title.textContent = item.title;\r\n      var text = document.createElement('p');\r\n      text.className = 'gm-wiba__feature-text';\r\n      text.textContent = item.text;\r\n      card.appendChild(title);\r\n      card.appendChild(text);\r\n      grid.appendChild(card);\r\n    });\r\n    return grid;\r\n  }\r\n\r\n  function renderList(){\r\n    listWrap.innerHTML = '';\r\n    var labelId = activeSub === 'ideal' ? 'gmWibaSubTab-ideal'\r\n      : activeSub === 'covered' ? 'gmWibaSubTab-covered'\r\n      : 'gmWibaSubTab-why';\r\n    listWrap.setAttribute('aria-labelledby', labelId);\r\n\r\n    if (activeSub === 'ideal'){\r\n      listWrap.appendChild(renderBulletList(data.idealFor));\r\n    } else if (activeSub === 'covered'){\r\n      listWrap.appendChild(renderBulletList(data.whatIsCovered));\r\n    } else if (activeSub === 'why'){\r\n      listWrap.appendChild(renderFeatureGrid(data.whyChoose));\r\n    }\r\n\r\n    fadeRefresh(listWrap);\r\n  }\r\n\r\n  function positionHighlight(){\r\n    var activeBtn = subTabs.filter(function(b){ return b.classList.contains('is-active'); })[0];\r\n    if (!activeBtn) return;\r\n    var wrapRect = switchWrap.getBoundingClientRect();\r\n    var btnRect = activeBtn.getBoundingClientRect();\r\n    highlight.style.width = btnRect.width + 'px';\r\n    highlight.style.transform = 'translateX(' + (btnRect.left - wrapRect.left - 5) + 'px)';\r\n  }\r\n\r\n  function renderSub(sub){\r\n    activeSub = sub;\r\n    subTabs.forEach(function(btn){\r\n      var selected = btn.getAttribute('data-sub') === sub;\r\n      btn.classList.toggle('is-active', selected);\r\n      btn.setAttribute('aria-selected', selected ? 'true' : 'false');\r\n    });\r\n    positionHighlight();\r\n    renderList();\r\n  }\r\n\r\n  subTabs.forEach(function(btn, i){\r\n    btn.addEventListener('click', function(){ renderSub(btn.getAttribute('data-sub')); });\r\n    btn.addEventListener('keydown', function(e){\r\n      var next = null;\r\n      if (e.key === 'ArrowRight') next = (i + 1) % subTabs.length;\r\n      else if (e.key === 'ArrowLeft') next = (i - 1 + subTabs.length) % subTabs.length;\r\n      if (next !== null){\r\n        e.preventDefault();\r\n        renderSub(subTabs[next].getAttribute('data-sub'));\r\n        subTabs[next].focus();\r\n      }\r\n    });\r\n  });\r\n\r\n  \/* Initial render *\/\r\n  renderSub('ideal');\r\n\r\n  window.addEventListener('load', positionHighlight);\r\n  if (document.fonts && document.fonts.ready){\r\n    document.fonts.ready.then(positionHighlight);\r\n  }\r\n  var resizeTimer;\r\n  window.addEventListener('resize', function(){\r\n    clearTimeout(resizeTimer);\r\n    resizeTimer = setTimeout(positionHighlight, 120);\r\n  });\r\n\r\n  \/* ---------- Callback form ---------- *\/\r\n  \/\/ Shared Apps Script Web App \u2014 same endpoint used by the Aviation Insurance\r\n  \/\/ widget. It emails david.soi@geminia.co.ke and posts to the same Telegram\r\n  \/\/ bot\/chat on every submit, reading name\/email\/phone\/comment\/cover_type\r\n  \/\/ generically. Do not create a new bot or Apps Script project \u2014 every\r\n  \/\/ widget's callback form should point at this same URL.\r\n  var GEMINIA_CALLBACK_ENDPOINT = 'https:\/\/script.google.com\/macros\/s\/AKfycbwFlGR1THNUVMzt3hSBfFQzRpW1uHqtKqY_frXnLFwE_TPyUsG2PokiDb7KKANJmLxh5Q\/exec';\r\n\r\n  var form = section.querySelector('#gmWibaCallbackForm');\r\n  var statusEl = section.querySelector('#gmWibaFormStatus');\r\n\r\n  form.addEventListener('submit', function(e){\r\n    e.preventDefault();\r\n    if (!form.checkValidity()){\r\n      form.reportValidity();\r\n      return;\r\n    }\r\n\r\n    var submitBtn = form.querySelector('.gm-wiba__submit');\r\n    var payload = Object.fromEntries(new FormData(form));\r\n\r\n    submitBtn.disabled = true;\r\n    submitBtn.textContent = 'Sending\u2026';\r\n    statusEl.textContent = '';\r\n    statusEl.classList.remove('is-error');\r\n\r\n    \/\/ Apps Script Web Apps don't return CORS headers, so this must be a\r\n    \/\/ no-cors, text\/plain request and we can't read\/parse the response.\r\n    \/\/ A resolved fetch promise (opaque response) is treated as success.\r\n    fetch(GEMINIA_CALLBACK_ENDPOINT, {\r\n      method: 'POST',\r\n      mode: 'no-cors',\r\n      headers: { 'Content-Type': 'text\/plain;charset=utf-8' },\r\n      body: JSON.stringify(payload)\r\n    }).then(function(){\r\n      submitBtn.disabled = false;\r\n      submitBtn.textContent = 'Submit';\r\n      statusEl.textContent = \"Thanks \u2014 we've received your request and will call you back shortly.\";\r\n      form.reset();\r\n    }).catch(function(){\r\n      submitBtn.disabled = false;\r\n      submitBtn.textContent = 'Submit';\r\n      statusEl.classList.add('is-error');\r\n      statusEl.textContent = \"Something went wrong sending your request. Please try again or call us directly.\";\r\n    });\r\n  });\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-098c578 e-flex e-con-boxed e-con e-parent\" data-id=\"098c578\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2906d1 elementor-widget elementor-widget-html\" data-id=\"a2906d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<section class=\"gm-related\">\r\n  <div class=\"gm-related__inner\">\r\n\r\n    <h2 class=\"gm-related__heading\">Related Products<\/h2>\r\n\r\n    <div class=\"gm-related__grid\">\r\n\r\n      <a class=\"gm-related__card\" href=\"https:\/\/geminia.co.ke\/dev\/geminia-biashara-plus\/\" aria-label=\"Biashara Plus \u2014 view product\">\r\n        <span class=\"gm-related__bg\" style=\"background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Biashara-Plus-Image.jpg');\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__overlay\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__label\">\r\n          Biashara Plus\r\n          <svg class=\"gm-related__arrow\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n      <a class=\"gm-related__card\" href=\"https:\/\/geminia.co.ke\/dev\/employee-liability-insurance\/\" aria-label=\"Employee Liability Insurance \u2014 view product\">\r\n        <span class=\"gm-related__bg\" style=\"background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Employee-Liability-Image.jpg');\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__overlay\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__label\">\r\n          Employee Liability Insurance\r\n          <svg class=\"gm-related__arrow\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n      <a class=\"gm-related__card\" href=\"https:\/\/geminia.co.ke\/dev\/political-violence-terrorism-insurance-geminia-kenya\/\" aria-label=\"Political Violence & Terrorism (PVT) \u2014 view product\">\r\n        <span class=\"gm-related__bg\" style=\"background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/PVT-image.jpg');\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__overlay\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__label\">\r\n          Political Violence & Terrorism (PVT)\r\n          <svg class=\"gm-related__arrow\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n  .gm-related{\r\n    --sky: #3fa6dd;\r\n    box-sizing: border-box;\r\n    background: #ffffff;\r\n    padding: 56px 24px 64px;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n  .gm-related *{ box-sizing: border-box; }\r\n\r\n  .gm-related__inner{ max-width: 1080px; margin: 0 auto; }\r\n\r\n  .gm-related__heading{\r\n    margin: 0 0 26px;\r\n    font-weight: 700;\r\n    font-size: clamp(22px, 2.6vw, 28px);\r\n    color: var(--sky);\r\n  }\r\n\r\n  .gm-related__grid{\r\n    display: grid;\r\n    grid-template-columns: repeat(3, 1fr);\r\n    gap: 22px;\r\n  }\r\n\r\n  .gm-related__card{\r\n    position: relative;\r\n    display: block;\r\n    aspect-ratio: 4 \/ 5;\r\n    border-radius: 10px;\r\n    overflow: hidden;\r\n    text-decoration: none;\r\n    opacity: 0;\r\n    transform: translateY(20px);\r\n    transition: opacity 0.6s ease, transform 0.6s cubic-bezier(.21,.9,.28,1);\r\n  }\r\n  .gm-related__card.is-visible{ opacity: 1; transform: translateY(0); }\r\n  .gm-related__card:nth-child(1){ transition-delay: 0s; }\r\n  .gm-related__card:nth-child(2){ transition-delay: .1s; }\r\n  .gm-related__card:nth-child(3){ transition-delay: .2s; }\r\n\r\n  .gm-related__bg{\r\n    position: absolute;\r\n    inset: 0;\r\n    z-index: 0;\r\n    background-size: cover;\r\n    background-position: center;\r\n    background-color: #e7e9f2;\r\n    transform: scale(1);\r\n    transition: transform 0.5s ease;\r\n  }\r\n  .gm-related__card:hover .gm-related__bg,\r\n  .gm-related__card:focus-visible .gm-related__bg,\r\n  .gm-related__card.gm-touch-active .gm-related__bg{\r\n    transform: scale(1.07);\r\n  }\r\n\r\n  .gm-related__overlay{\r\n    position: absolute;\r\n    inset: 0;\r\n    z-index: 1;\r\n    background: linear-gradient(180deg, rgba(20,20,35,0) 45%, rgba(15,15,30,0.78) 100%);\r\n    transition: background 0.4s ease;\r\n  }\r\n  .gm-related__card:hover .gm-related__overlay,\r\n  .gm-related__card:focus-visible .gm-related__overlay,\r\n  .gm-related__card.gm-touch-active .gm-related__overlay{\r\n    background: linear-gradient(180deg, rgba(20,20,35,0.05) 35%, rgba(10,10,25,0.85) 100%);\r\n  }\r\n\r\n  .gm-related__label{\r\n    position: absolute;\r\n    left: 18px;\r\n    right: 18px;\r\n    bottom: 16px;\r\n    z-index: 2;\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 8px;\r\n    font-weight: 600;\r\n    font-size: 15.5px;\r\n    color: #ffffff;\r\n  }\r\n\r\n  .gm-related__arrow{\r\n    width: 15px;\r\n    height: 15px;\r\n    flex-shrink: 0;\r\n    opacity: 0;\r\n    transform: translateX(-4px);\r\n    transition: opacity 0.3s ease, transform 0.3s ease;\r\n  }\r\n  .gm-related__card:hover .gm-related__arrow,\r\n  .gm-related__card:focus-visible .gm-related__arrow,\r\n  .gm-related__card.gm-touch-active .gm-related__arrow{\r\n    opacity: 1;\r\n    transform: translateX(0);\r\n  }\r\n\r\n  .gm-related__card:focus-visible{\r\n    outline: 2px solid var(--sky);\r\n    outline-offset: 3px;\r\n  }\r\n\r\n  @media (max-width: 900px){\r\n    .gm-related__grid{ grid-template-columns: repeat(2, 1fr); 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A safe workplace starts with the right protection. Purchase Cover Work Injury Benefits Act (WIBA) Insurance A safe workplace starts with the right protection. 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