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Forced entry shouldn't cost you your business.
Mufasa Insurance Agencies arranges burglary insurance across Kilifi County - Kilifi, Malindi, Watamu, Mtwapa and every town in between. 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. With commercial farming, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Kilifi. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kilifi Is Different
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. 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.
Holiday and rental properties in Kilifi Town and Malindi often sit empty for long stretches. Most policies restrict cover after 30 to 60 consecutive days unoccupied, and an undeclared vacancy is a leading reason burglary claims are refused. Declare it and we will place it with an insurer who accepts it.
Burglary 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
Stock, equipment, and cash lost through break-ins involving forcible and violent entry.
Loss from armed or violent robbery on your premises.
Repair of doors, windows, and locks damaged during the burglary.
Extension to cover theft involving dishonest employees.
The Process
Tell us your business type, security measures (grilles, alarms, guards), and the value of contents.
Premiums reflect your security setup, better security typically means a lower rate.
Report to the police for an abstract, then to us, we fast-track the claim with your insurer.
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 Kilifi 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 Kilifi.
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.
Not always, but basic security (grilles, locks) is usually required, and stronger security can lower your premium.
Standard Burglary policies require evidence of forcible and violent entry. Simple theft without break-in evidence is usually excluded.
Yes, multiple premises can be scheduled under a single Burglary policy.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.