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Protect what you've built. Keep your business running, no matter what.
Mufasa Insurance Agencies arranges business insurance across Kiambu County - Kiambu, Thika, Ruiru, Juja and every town in between. Kiambu is Kenya's second most populous county and functionally part of greater Nairobi - Thika, Ruiru, Juja, Kikuyu and Limuru all feed commuters into the city every morning. With manufacturing, commercial farming and daily commuting into Nairobi driving the local economy, the cover that makes sense here is specific to Kiambu. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kiambu Is Different
The Thika Superhighway carries very high traffic volumes and matching accident rates, particularly at the Ruiru and Juja interchanges. Thika's manufacturing belt concentrates fire, machinery breakdown and WIBA exposure, while coffee and tea estates in Limuru and Lari face hail and frost losses. 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.
People insure the building and forget what is inside it. Electronics, furniture and appliances in a typical Kiambu household add up fast, and all-risk cover extends to laptops and phones outside the home too.
Business 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
Buildings, stock, equipment, and fixtures against fire, lightning, explosion, and flooding.
Loss of stock, cash, and assets due to break-ins, robbery, or employee dishonesty.
Legal costs and compensation if a third party is injured or their property damaged at your premises.
Legally required cover for employee injuries, permanent disability, and death at the workplace.
Replaces lost income and covers ongoing expenses if your business is forced to shut down temporarily.
Cash in safe, cash in transit, and money held by employees covered against loss or theft.
Laptops, servers, machinery, and tech equipment against accidental damage, power surge, and theft.
Protects consultants, lawyers, doctors, and professionals against claims of negligence or error.
The Process
Our commercial advisors visit or call to understand your business, assets, employees, and risk profile.
We build a tailored multi-cover package, you only pay for what your business actually needs.
Your policy documents are ready within 24 hours. We handle renewals and claim support proactively.
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 Kiambu 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 Kiambu.
Yes, and it is one of our busier commercial markets. Thika factories typically need a combined package: fire and industrial all risks on the building and plant, machinery breakdown, stock cover, WIBA for the workforce and public liability. We place these with underwriters who already have surveyors working in Thika.
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.
Yes. The Work Injury Benefits Act (WIBA) requires every employer in Kenya to have cover for all employees against work-related injuries, illness, and death. Failure to comply is a criminal offence.
Absolutely, and it's often cheaper. We commonly bundle Fire, Burglary, WIBA, Public Liability, and Money Insurance into a single Business Package policy.
Yes. If you run a business from home, standard home insurance may not cover business assets or liability. We offer specific home-business policies.
Employer's liability (WIBA) covers your employees. Public liability covers third parties, customers, visitors, or members of the public, who are injured or suffer property damage at your business.
For straightforward businesses, same day. Larger commercial risks may take 24-48 hours for our underwriting team to assess and price.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.