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One power outage shouldn't wipe out your cold storage inventory.
Mufasa Insurance Agencies arranges deterioration of stock insurance across Meru County - Meru, Maua, Nkubu, Timau and every town in between. Meru is one of Kenya's richest agricultural counties - miraa, tea, coffee, bananas, potatoes and dairy - with a genuinely commercial farming culture and strong SACCO penetration. With commercial farming, long-distance freight and trading driving the local economy, the cover that makes sense here is specific to Meru. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Meru Is Different
Commercial farming, long-distance freight and trading put real money into equipment here. Deterioration of Stock 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 Meru Town and Maua discover the gap only after a motor burns out.
Underwriters price engineering risk on what a surveyor sees. We place Meru risks with insurers who will actually send an engineer to site, because a surveyed risk is nearly always a cheaper risk.
Coverage Details
Stock spoilage following mechanical or electrical breakdown of cold storage equipment.
Loss of stock due to an unexpected power outage affecting refrigeration.
Spoilage caused by leakage of refrigerant gas into the storage area.
Cost of moving stock to alternative cold storage during repairs.
The Process
Tell us the average value of temperature-sensitive stock held at any time.
We align the policy with the specific refrigeration or cold storage equipment you rely on.
Report the breakdown, we help you document the spoiled stock and settle the claim quickly.
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 Meru 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 Meru.
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, only spoilage directly caused by an insured breakdown or power failure event, not normal shelf-life expiry.
They're related, Machinery Breakdown covers the equipment itself, Deterioration of Stock covers the goods that spoil as a result. Many businesses buy both together.
Yes, multiple storage locations can be scheduled under one policy.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.