Business Insurance That Means Business.
From startups to enterprises, stay WIBA-compliant, protect your assets, cover your people, and keep operations running no matter what.
WIBA is mandatory for every employer in Kenya.
The Work Injury Benefits Act 2007 requires all employers to cover employees, including casual and domestic workers. Non-compliance carries criminal penalties.
Why Mufasa
Your insurance should be as serious as your business.
We work with Kenyan businesses across every sector, from corner shops in Westlands to agribusinesses in Nakuru. Our commercial advisors understand your risk, your compliance obligations, and your budget.
- WIBA compliance certificates issued same day
- Bundled business packages, one premium, full cover
- Group medical & life for your employees
- Fleet and commercial vehicle cover
- Marine & goods-in-transit for importers/exporters
- Annual compliance review as part of our service
Single point of contact for all business covers.
WIBA, property, liability, marine, group medical, one advisor manages everything and ensures nothing expires without your knowledge.
Bundled packages that cost less.
We regularly bundle Fire, Burglary, WIBA, and Liability into a single Business Package policy, saving you up to 30% vs. buying covers separately.
Compliance certificates, fast.
Government tenders, business permits, and KRA compliance often require insurance certificates. We issue them the same day.
Business Cover
Everything your business needs, in one place.
Built for Kenyan businesses. Our commercial policies are compliant, competitively priced, and backed by Kenya's top underwriters.
Accident & Injury
2WIBA, Work Injury Benefits
The Work Injury Benefits Act (WIBA) 2007 makes it a legal obligation for every Kenyan employer to cover employees against work-related injuries, diseases, and death. Non-compliance carries criminal penalties. Mufasa makes WIBA compliance simple and affordable.
Group Personal Accident (GPA) Insurance
Group Personal Accident covers your employees as a group against death, disability, and injury from accidents, both on and off the job, a valuable employee benefit that complements WIBA's workplace-only protection with 24/7 cover.
Property & Business Assets
9Business Insurance
Your business is your life's work. From fire to liability, theft to employee injury, Mufasa Business Insurance covers every angle so you can focus on growth without fear.
Industrial All Risks Insurance
Industrial All Risks (IAR) combines fire, machinery, business interruption, and most other property perils into a single broad-form policy, built for factories, manufacturing plants, and large commercial sites where a single-peril policy leaves too many gaps.
Stock Floater Insurance
If your stock levels or storage locations change through the season, warehouses, retail branches, or in transit between them, a Stock Floater policy adjusts with you, so you're never underinsured at your busiest moment or overpaying at your quietest.
Burglary Insurance
Standalone Burglary Insurance protects your shop, office, or warehouse contents against loss from forced entry, robbery, and hold-up, ideal for businesses that want dedicated theft cover without bundling into a full property package.
Money Insurance
Money Insurance protects your business cash and negotiable instruments against loss by theft, robbery, or accident, whether it's sitting in your safe overnight, being carried to the bank, or held by staff during trading hours.
Plate Glass Insurance
Plate Glass Insurance covers the cost of replacing broken shopfront windows, glass doors, and display cases, damage that's excluded from most standard property policies but common for retail and street-facing businesses.
Business Interruption Insurance
Business Interruption Insurance replaces the income you lose and covers the ongoing expenses you still owe, rent, salaries, loan repayments, while your business recovers from an insured property loss like fire, flooding, or major equipment failure.
Political Violence & Terrorism Insurance
Standard Fire and property policies typically exclude riot, strike, civil commotion, and terrorism. Political Violence & Terrorism cover fills that gap, protecting your property and business against politically-motivated damage, a real risk during election periods and civil unrest in Kenya.
Fidelity Guarantee Insurance
Fidelity Guarantee Insurance protects your business against financial loss caused by the fraud, theft, or dishonesty of your own employees, cash embezzlement, stock theft, or falsified records, a risk no amount of trust can fully eliminate.
Engineering & Equipment
7Boiler & Pressure Plant Insurance
Boilers, pressure vessels, and steam plant can fail explosively, causing serious damage and injury. Boiler & Pressure Plant Insurance covers the sudden and accidental failure of pressure equipment, plus statutory inspections many industries are legally required to carry out.
Contractors All Risks Insurance
Contractors All Risks (CAR) covers construction and civil works projects against physical loss or damage during the entire construction period, plus third party liability arising from the works, essential for contractors, developers, and project owners.
Contractors Plant and Machinery Insurance
Contractors Plant and Machinery Insurance covers your construction equipment, excavators, bulldozers, cranes, graders, and generators, against accidental damage, fire, and theft, whether it's on site, in transit, or in storage.
Deterioration of Stock Insurance
Deterioration of Stock Insurance covers perishable goods, frozen foods, pharmaceuticals, and other temperature-sensitive stock against spoilage following a breakdown of your refrigeration or cold storage plant, a critical cover for food processors, pharmacies, and cold chain businesses.
Erection All Risks Insurance
Erection All Risks (EAR) covers the installation, erection, and testing of machinery and structural steelwork, from factory equipment to power plant components, against physical loss or damage during the erection period, plus third party liability.
Machinery Breakdown Insurance
Machinery Breakdown Insurance covers the sudden and unforeseen mechanical or electrical failure of your production machinery and equipment, repair or replacement costs, plus an optional consequential loss extension for the income you lose while it's down.
Electronic Equipment Insurance
Electronic Equipment Insurance covers computers, servers, POS systems, medical equipment, and other electronic assets against accidental damage, power surge, and breakdown, plus data recreation costs, protection standard property policies often don't extend to electronics.
Liability & Professional Risk
7Professional Indemnity Insurance
Professional Indemnity (PI) insurance protects consultants, lawyers, doctors, engineers, accountants, and all service professionals against claims of negligence, errors, omissions, or breach of duty in the course of their professional work. One allegation - even unfounded - can cost hundreds of thousands in legal fees. PI insurance ensures it doesn't cost you your career.
Carriers Legal Liability Insurance
Carriers Legal Liability protects transport and logistics operators against legal liability for loss or damage to goods belonging to others while in your care, custody, or control during transportation, essential for hauliers, courier firms, and logistics companies.
Directors and Officers Liability Insurance
Directors and Officers (D&O) Liability protects your company's directors and senior officers from personal financial loss if they're sued for actual or alleged wrongful acts in managing the company, mismanagement claims, regulatory action, or shareholder disputes.
Employers Liability Insurance
Employers Liability Insurance protects your business against claims from employees for injury, illness, or death arising from their employment that fall outside WIBA's statutory scope, common law claims for negligence being the most significant gap it fills.
Legal Contractual Liability Insurance
Legal Contractual Liability covers liability you've taken on by signing a contract, indemnity clauses, hold-harmless agreements, that goes beyond what you'd be liable for under general law, common in supplier, lease, and service agreements.
Public Liability Insurance
Public Liability Insurance covers your legal liability for bodily injury or property damage suffered by a third party, a customer, visitor, or member of the public, as a result of your business activities or premises.
Product Liability Insurance
Product Liability Insurance covers manufacturers, distributors, and retailers against claims for injury or property damage caused by a defective product they made, sold, or supplied, essential for anyone whose goods end up in a customer's hands.
Marine, Aviation & Trade
3Marine & Goods in Transit
If your business imports, exports, or transports goods, marine and goods-in-transit insurance is essential. We cover your cargo against loss, damage, and theft whether it's crossing the Indian Ocean or moving on Kenyan roads.
Aviation Insurance
Aviation Insurance covers aircraft hull, liability, and passenger risk for private aircraft owners, charter operators, and aviation businesses, a specialist class that requires underwriters who understand Kenya's aviation sector, from Wilson Airport charters to agricultural spray planes.
Bonds & Surety Insurance
Bonds provide the financial guarantee that tenders, contracts, and customs processes require, tender bonds, performance bonds, advance payment guarantees, and customs bonds, without you having to lock up working capital in a bank guarantee.
Agriculture & Specialty Animals
4Agriculture Insurance
Agriculture is Kenya's backbone. Drought, flooding, pests, and disease can wipe out an entire season's income. Mufasa Agriculture Insurance protects crop farmers, livestock owners, and agribusinesses against unpredictable losses.
K9 (Working Dog) Insurance
K9 Insurance covers working and guard dogs used by security firms, farms, and businesses against death, illness, and veterinary costs, plus liability if a working dog injures a third party in the course of its duties.
Bloodstock Insurance
Bloodstock Insurance covers racehorses, breeding stock, and other high-value horses against death, theft, and illness, plus specialist options like loss of use and fertility cover for breeding animals.
Aquaculture Insurance
Aquaculture Insurance protects fish farmers and aquaculture businesses against stock loss from disease, poor water quality, predator attack, and equipment failure, supporting Kenya's growing aquaculture sector from small pond farmers to commercial cage culture operations.
Industries We Serve
Whatever your sector, we've covered it.
Let's build your business cover package.
Tell us about your business, size, employees, assets, sector. We'll put together a tailored commercial package and walk you through every cover you need.