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From groundbreaking to handover, your construction project, covered.
Mufasa Insurance Agencies arranges contractors all risks insurance across Lamu County - Lamu, Mokowe, Shela, Mpeketoni and every town in between. Lamu is Kenya's smallest county by population and a UNESCO World Heritage site, now also home to the LAPSSET port project. With port and cargo traffic, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Lamu. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Lamu Is Different
Port and cargo traffic, lake fishing and tourism put real money into equipment here. Contractors All Risks covers the failures that stop production, which is a different risk from fire and needs its own section on the schedule.
Fire and perils cover external events. Machinery breakdown covers the machine failing on its own - electrical faults, mechanical failure, operator error. Most operators in Lamu Old Town and Mokowe discover the gap only after a motor burns out.
Underwriters price engineering risk on what a surveyor sees. We place Lamu risks with insurers who will actually send an engineer to site, because a surveyed risk is nearly always a cheaper risk.
Coverage Details
Physical loss or damage to the works under construction from fire, flood, collapse, and most other perils.
Machinery and equipment used on site against damage and theft.
Injury or property damage to others arising from the construction works.
Extended protection during the defects liability/maintenance period after completion.
The Process
Contract value, project duration, location, and scope of works.
We size the cover to your contract value and construction period.
Your policy stays active from groundbreaking through practical completion and the maintenance period.
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 Lamu 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 Lamu.
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.
Either party can hold it, and it's common for it to be a joint-names policy protecting both the contractor and the employer.
Yes, CAR typically covers most natural perils affecting the works, subject to specific exclusions we'll walk you through.
Policy periods can usually be extended for an additional premium if your project runs longer than planned.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.