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If you transport other people's goods, their loss can become your liability.
Mufasa Insurance Agencies arranges carriers legal liability insurance across Kakamega County - Kakamega, Mumias, Ikolomani, Malava and every town in between. Kakamega is Kenya's fourth most populous county, built on sugarcane, maize and dense smallholder farming, with artisanal gold mining at Ikolomani and the last remaining tropical rainforest in the country. With commercial farming, mining and trading driving the local economy, the cover that makes sense here is specific to Kakamega. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kakamega Is Different
commercial farming, mining and trading brings you into daily contact with customers, contractors and the public. Carriers Legal Liability responds when a third party claims your operation injured them or damaged their property - including their legal costs, which often exceed the award.
Tenders, leases and site inductions around Kakamega Town and Mumias routinely specify minimum liability limits. Send us the clause and we will match the cover to it exactly, then issue a certificate in the format the contract asks for.
Liability claims surface long after the work is done. Keeping cover continuous matters more than the limit on any single year, so we track your renewal and warn you well before it lapses.
Coverage Details
Legal liability for cargo lost or damaged while under your care during transport.
Costs of defending claims brought by cargo owners.
Cover applies across all consignments carried in the ordinary course of business.
Cover tailored to specific routes or general haulage operations.
The Process
Fleet size, typical cargo types, and routes travelled.
We help you choose a liability limit matching your typical consignment values.
We issue a certificate of cover that reassures the clients whose goods you're transporting.
Questions
Send us a WhatsApp message or call +254 117 435 865 with the basic details of what you need covered. We come back with quotes from several underwriters the same working day, you pick one, pay by M-Pesa or bank transfer, and we issue the documents. Nothing requires you to travel to Nairobi.
We are based in Runda, Nairobi and serve Kakamega County remotely, which is how most insurance in Kenya is now arranged. Quotes, payment and document issue all happen by phone, WhatsApp and email. When there is a claim, assessors are appointed locally in Kakamega.
Same day in most cases. Motor certificates, travel certificates and medical cover notes are issued electronically as soon as payment reflects, so you are covered before the documents reach your inbox.
No, Goods in Transit covers the goods owner's own property in transit. Carriers Legal Liability covers your liability as the carrier for other people's goods.
Many shippers and freight brokers require haulage contractors to carry Carriers Legal Liability before awarding contracts.
Let us know your subcontracting arrangements, cover can usually be extended to reflect this.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.