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High-value horses deserve high-value protection.
Mufasa Insurance Agencies arranges bloodstock insurance across Laikipia County - Rumuruti, Nanyuki, Nyahururu, Dol Dol and every town in between. Laikipia is Kenya's conservancy country - large private ranches and wildlife conservancies sit alongside Nanyuki's fast-growing tourism and service economy at the foot of Mount Kenya, with horticulture and ranching filling the plateau. With commercial farming, livestock keeping and tourism driving the local economy, the cover that makes sense here is specific to Laikipia. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Laikipia Is Different
Ranching faces drought, livestock disease and wildlife conflict. Bloodstock is priced against those specific perils, so tell us your exact location - two animals of the same breed in this county can rate very differently.
The sum insured has to reflect what the animal is genuinely worth - purchase price, pedigree, training invested and, for working animals, what it earns you. Getting that figure right at inception is what makes the claim straightforward.
Group schemes arranged through a cooperative, factory or SACCO price far below individual policies. If there is an organised society covering your area, that is almost always the route we will recommend first.
Coverage Details
Death of an insured horse from accident, illness, or disease.
Loss of a horse through theft.
Cost of veterinary treatment for illness or injury.
Compensation if a racehorse becomes permanently unable to race or perform.
The Process
Breed, age, purpose (racing, breeding, leisure), and current market value.
High-value animals may require an independent veterinary valuation before cover is confirmed.
Each horse is scheduled individually with its own sum insured.
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 Laikipia 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 Laikipia.
Yes. Bloodstock cover handles horses for death, theft and sometimes loss of use, which matters for polo and safari riding operations. Commercial ranch cattle are written separately, either per head or on an index basis for larger herds.
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.
Yes, breeding animals can be covered for mortality plus optional fertility and infertility extensions.
For higher-value animals, insurers typically require a veterinary certificate of health before binding cover.
The optional Loss of Use extension compensates you if a covered horse is permanently unable to perform its intended purpose.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.