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If a customer gets hurt on your premises, this is what stands between you and the lawsuit.
Mufasa Insurance Agencies arranges public liability insurance across Kwale County - Kwale, Diani / Ukunda, Msambweni, Lunga Lunga and every town in between. Kwale combines Diani's beach tourism with large-scale titanium mining at Base Titanium and a sizeable smallholder farming population. With commercial farming, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Kwale. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kwale Is Different
commercial farming, lake fishing and tourism brings you into daily contact with customers, contractors and the public. Public Liability responds when a third party claims your operation injured them or damaged their property - including their legal costs, which often exceed the award.
Tenders, leases and site inductions around Diani / Ukunda and Kwale Town routinely specify minimum liability limits. Send us the clause and we will match the cover to it exactly, then issue a certificate in the format the contract asks for.
Liability claims surface long after the work is done. Keeping cover continuous matters more than the limit on any single year, so we track your renewal and warn you well before it lapses.
Coverage Details
Compensation and legal costs if a customer or visitor is injured at your premises.
Damage you accidentally cause to property belonging to others.
Costs of defending a public liability claim, even unfounded ones.
Extension to cover injury or damage caused by products you sell.
The Process
Premises type, footfall, and the nature of your operations.
We recommend a limit based on your industry and the scale of potential claims.
Many leases and government tenders require proof of Public Liability, we issue it same-day.
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 Kwale 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 Kwale.
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.
It's not always mandatory by law, but many landlords, malls, and government tenders require proof of cover before you can operate or bid.
No, employee injury is covered separately under WIBA and Employers Liability. Public Liability covers third parties, customers and visitors, not your staff.
This is a textbook Public Liability claim, we'd help you report it and manage the claim with your insurer.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.