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Riots, strikes, and civil unrest are excluded from most policies. This one exists for that reason.
Mufasa Insurance Agencies arranges political violence & terrorism insurance across Mandera County - Mandera, El Wak, Rhamu, Takaba and every town in between. Mandera sits at Kenya's north-eastern tip where the Kenyan, Ethiopian and Somali borders meet, with irrigated farming along the Daua river and a strong cross-border trading economy. With commercial farming, livestock keeping and long-distance freight driving the local economy, the cover that makes sense here is specific to Mandera. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Mandera Is Different
Drought and flash flooding along the Daua both occur. Security considerations affect how insurers price commercial and staff risk here, and remoteness makes evacuation cover essential rather than optional. 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.
In Mandera the store, the equipment and the stock often matter more than the house itself. A combined package puts the dwelling, outbuildings, contents and business assets on one schedule with one renewal date.
Political Violence & Terrorism 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
Damage to property from riots, strikes, and public disorder.
Damage from acts of terrorism, including fire and explosion.
Deliberate destruction of property during civil unrest.
Loss of income following an insured political violence event.
The Process
We review your location, industry, and property value to price your political violence risk.
This cover is usually written alongside your Fire/property policy to close the exclusion gap.
Police reports, photos, and incident documentation support a fast claim after civil unrest.
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 Mandera 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 Mandera.
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.
No, riot, strike, civil commotion, and terrorism are standard exclusions on most Fire policies in Kenya. This cover specifically fills that gap.
Election periods carry higher risk, but civil unrest and terrorism can happen anytime, many businesses keep this cover year-round.
Yes, looting that occurs during an insured riot or civil commotion event is typically included.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.