Risk Underwriting, Crisis Management, Regulatory Framework and Performance of Insurance Companies in Kenya: A Case of Sanlam General Insurance Company

Insurance companies are in the business of risk taking built on trust. Optimal  underwriting  and  claims  management  standards  are  applied  to  safeguard  insurers’ against exposure to underwriting losses for enhanced performance. The main objective was determine relationship among underwriting, crisis management, regulatory framework and performance Sanlam general insurance company Kenya. Descriptive research design adopted. target population this study 72 employees whereby a census all conducted. Questionnaires were used data collection. results also revealed that has positive significant effect (B=.682, p=0.000<0.05). Crisis management mediating between while regulations moderating nexus implying enhances operational efficiencies thus their financial concludes influences companies, is mediator moderates company. There need Company enhance capability its personnel appropriately draft related risks claims though periodic trainings risk. capacity managing like crisis, reputation damage, market volatility unfair competition. urges authorities undertake assessment service providers ensure suggested policies guidelines observed. recommends updating basis they align with changing environment. Keywords: Risk Underwriting, Management, Regulatory Framework, Performance Companies, General