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A fire doesn't just damage your building. It stops your income.
Mufasa Insurance Agencies arranges business interruption insurance across Kericho County - Kericho, Litein, Kipkelion, Londiani and every town in between. Kericho is the heart of Kenya's tea industry, with the large multinational estates and thousands of smallholders supplying KTDA factories. With manufacturing, commercial farming and trading driving the local economy, the cover that makes sense here is specific to Kericho. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kericho Is Different
Very high rainfall and hail damage tea leaf directly. Estate operations concentrate large workforces under WIBA, and tea factories carry significant fire, boiler and machinery breakdown exposure with expensive business interruption consequences. We tell you upfront which of those perils a standard wording covers and which need a specific extension, so nothing surprises you at claim stage.
In Kericho the store, the equipment and the stock often matter more than the house itself. A combined package puts the dwelling, outbuildings, contents and business assets on one schedule with one renewal date.
Business Interruption claims are scaled down when the sum insured is below the true rebuild or replacement value - the average clause. We work the figure out with you at inception, and revisit it each renewal.
Coverage Details
Replaces the profit you would have earned had the interruption not occurred.
Extra costs incurred to keep trading from a temporary site.
Rent, loan repayments, and payroll that continue even while you're not operating.
Cover for as long as it reasonably takes your business to return to normal trading.
The Process
We help you determine the sum insured based on your revenue and standing charges.
Choose how long cover should run, typically 12-24 months, based on how long recovery would realistically take.
This policy activates together with your Fire/Property claim, an adjuster calculates your actual loss of profit.
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 Kericho 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 Kericho.
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.
Business Interruption is usually attached to an underlying Fire or property policy, since it responds to the same insured events.
Only interruption caused by an insured physical event (fire, flood, machinery breakdown, etc.), not general trading downturns.
Based on your historical financial records compared to what you would have earned had the interruption not occurred, an adjuster verifies this.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.