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The broadest cover available for factories, plants, and large industrial sites.
Mufasa Insurance Agencies arranges industrial all risks 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.
Industrial All Risks 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
Covers virtually all causes of physical loss or damage to buildings, plant, and stock unless specifically excluded.
Production machinery and equipment against breakdown-related damage.
Loss of gross profit while your plant is out of action after an insured event.
Costs of clearing debris and engaging architects/engineers after a major loss.
The Process
Our commercial team surveys your factory or plant to understand construction, processes, and exposure.
We combine property, machinery, and interruption cover into a single broad-form policy sized to your risk.
Your policy is issued with ongoing risk management support and renewal tracking.
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.
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.
Fire insurance covers named perils only. IAR covers all risks of physical loss except specific exclusions, a much broader net for complex industrial sites.
It can be added as a section of the same policy so your indemnity period and sum insured are aligned with your property cover.
IAR scales down well. Many mid-sized manufacturers use it instead of stacking separate Fire, Machinery, and BI policies.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.