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Protect your employees. Protect your business. It's the law.
Mufasa Insurance Agencies arranges wiba, work injury benefits across Marsabit County - Marsabit, Moyale, Loiyangalani, North Horr and every town in between. Marsabit is Kenya's second-largest county by area, running from Lake Turkana to the Ethiopian border at Moyale. With livestock keeping, long-distance freight and trading driving the local economy, the cover that makes sense here is specific to Marsabit. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Marsabit Is Different
Extreme distances, drought and limited health infrastructure define the risk picture. The A2 to Moyale carries cross-border freight through very remote country. Wind farm and infrastructure work concentrates plant, erection and liability exposure. WIBA 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 Marsabit. 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 compensation paid to the deceased employee's dependants as prescribed by WIBA.
Full compensation for employees who are permanently unable to work after a work injury.
Proportional compensation for partial permanent disability resulting from a workplace injury.
Income replacement paid to employees during recovery from a temporary work-related injury.
All medical costs, hospitalization, and rehabilitation arising from work-related injuries.
Diseases contracted as a direct result of the employee's occupation or work environment.
The Process
WIBA premiums are based on your total annual wage bill and the risk category of your employees' work.
We issue your WIBA compliance certificate, required for business permits and government contracts.
In the event of a workplace injury, we guide the claim process with DOSH and the insurer so you stay legally compliant throughout.
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 Marsabit 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 Marsabit.
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. Every employer in Kenya with at least one employee must have WIBA cover. This includes domestic workers, casual staff, and part-time employees.
You'll be personally liable for all injury compensation costs. Additionally, operating without WIBA is a criminal offence under the Work Injury Benefits Act, penalties include fines and imprisonment.
Premium is a percentage of your total annual wage bill, multiplied by a risk factor based on the nature of the work. Manual and hazardous work attracts higher rates than office-based roles.
No. WIBA only covers injuries arising out of and in the course of employment. Personal accident insurance provides broader 24/7 coverage.
Yes and it's common practice. We regularly bundle WIBA with Group Life, Group Medical, and Public Liability into a comprehensive employee benefits package.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.