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Kilifi runs north from Mombasa through Kilifi town, Watamu and Malindi, and its economy is built on tourism, coastal property and a large expatriate and retiree community. Property and hospitality cover here look quite different from the rest of Kenya.
County HQ
Kilifi
Population
1.5M
Region
Coast
Towns Served
5
Local Risk Profile
Hospitality carries year-round public liability and guest personal accident exposure. Coastal properties face storm, salt corrosion and long vacancy periods that raise burglary risk. The Mombasa-Malindi road has a high accident rate.
Main routes we rate against
Mombasa-Malindi Road (B8), Malindi-Lamu Road and Mombasa-Nairobi Highway (A8) at Mariakani
Cover Available
These are the covers that matter most in Kilifi, chosen from what the county actually does. Every other product we write is still available here on request.
Drive with confidence. Every road. Every risk. Covered.
See detailsQuality healthcare, guaranteed. For you and everyone you love.
See detailsYour love for your family is infinite. So is our protection.
See detailsDignity in life's most difficult moment. Without the financial burden.
See detailsAccidents happen. Your income doesn't have to stop when they do.
See detailsYour home is your sanctuary. Let's keep it that way.
See detailsProtect what you've built. Keep your business running, no matter what.
See detailsIf a customer gets hurt on your premises, this is what stands between you and the lawsuit.
See detailsThe world is yours. Travel it without worry.
See detailsProtect your employees. Protect your business. It's the law.
See detailsForced entry shouldn't cost you your business.
See detailsProtect your whole team with one policy, not twelve individual ones.
See detailsEverything you value. Covered everywhere you go.
See detailsKenya's farmers feed millions. We protect the farmers.
See detailsOn the Ground
We arrange cover across the whole county. These are the centres where we write the most business, and what tends to matter in each.
County headquarters and creek town - SME, marine leisure and household cover.
Established tourism town with a large Italian community - hospitality and property cover.
Marine park and boutique hotels - public liability, guest accident and boat cover.
Dense residential and entertainment strip near the Mombasa border.
Livestock market and a major weighbridge point on the A8.
Questions
Yes, but you must declare the vacancy. Most household policies restrict cover after 30 to 60 consecutive days unoccupied, and an undeclared empty property is a common reason burglary claims get repudiated. We place these with underwriters who will write extended unoccupancy when there is a caretaker and an alarm.
At minimum: fire and perils on the building and contents, public liability for guest injury, WIBA for staff, and money cover for reception takings. Most also add business interruption, because a fire that closes a hotel in high season costs far more in lost bookings than in rebuilding.
Send us what you need covered. Quotes from several underwriters come back the same working day, and cover can start immediately.
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