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Protect your whole team with one policy, not twelve individual ones.
Mufasa Insurance Agencies arranges group personal accident (gpa) 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. Group Personal Accident cover responds to exactly that kind of loss, paying a cash benefit for death or disablement rather than reimbursing a bill.
For riders, fishermen, miners and transporters, group cover arranged through a SACCO, cooperative or association is the practical route in Kilifi. Per-member cost falls sharply above about ten members, and the group handles collection.
A lump sum on accidental death, a scaled benefit for permanent disablement, plus medical expenses and often a weekly income benefit while you cannot work. Limits are set by you, so the cover can be sized to what your household actually needs.
Coverage Details
Lump sum benefit paid to a covered employee's beneficiaries.
Compensation for permanent total or partial disability from an accident.
Weekly income replacement while an employee recovers from an accidental injury.
Protection whether the accident happens at work, at home, or while travelling.
The Process
Headcount, job roles, and the sum assured you'd like per employee.
We issue a single group schedule covering every listed employee at a competitive per-head rate.
Your HR team reports incidents to us directly, we manage the claim through to payout.
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.
WIBA only covers injuries arising from and in the course of employment. GPA covers your employees 24/7, on or off the job, and pays out regardless of fault.
Yes, GPA schedules can include full-time, contract, and casual staff as long as they're declared on the policy.
No, WIBA is a separate statutory requirement. GPA is an additional employee benefit, many businesses carry both.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.