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Cash in the safe, cash in transit, cash in your cashier's hands, covered.
Mufasa Insurance Agencies arranges money insurance across Migori County - Migori, Isebania, Rongo, Awendo and every town in between. Migori combines artisanal and commercial gold mining around Macalder and Masara with sugarcane, tobacco and the busy Isebania crossing into Tanzania. With commercial farming, lake fishing and mining driving the local economy, the cover that makes sense here is specific to Migori. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Migori Is Different
Artisanal mining carries severe and largely uninsured accident exposure. Cross-border haulage through Isebania creates transit and cargo risk, and sugarcane transport puts heavy vehicles on narrow rural roads. 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 Migori 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.
Money 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
Money kept in a locked safe on your premises, including overnight.
Money being carried by you or an employee to and from the bank.
Money held by cashiers or staff during business hours.
Injury benefit for staff carrying money who are attacked in the process.
The Process
Tell us your typical cash-in-safe, cash-in-transit, and cash-in-hand amounts.
We set appropriate limits for each category so you're not over- or under-insured.
Report incidents to police immediately, we handle the rest with your insurer.
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 Migori 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 Migori.
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.
Physical cash and negotiable instruments are covered; ask us about extensions for mobile money agent float.
Yes, your policy sets a maximum cash-in-transit limit. Carrying more than that limit may reduce your claim payout.
This is exactly what Cash in Transit cover is for, plus a Personal Accident benefit if they're injured.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.