“…Geographical gap is a knowledge gap that exists when a study is conducted in a different study area than the selected study area of the current study (McDonald et al, 2020). Studies by Suifan, Abdallah and Al Janini (2018), Atan and Mahmood (2019), Kawiana, Riana, Rihayana and Adi (2020), Bastari, Eliyana and Wijayant (2020), Raveendran and Gamage (2019), Ribeiro, Yücel and Gomes (2018), Ribeiro, Yücel and Gomes (2018) and Ayo-Oyebiyi and Unachukwu (2017) were conducted outside Kenya and some of them were not done in insurance firms. As a result, given the disparities between Kenya's social and economic environment and those of other countries, the conclusions might not be applicable in Kenya.…”