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Mombasa is Kenya's port and the entry point for most of the country's imports, which makes it the centre of the marine and cargo insurance market. It is also a major tourism economy, so hospitality liability and travel cover matter here in a way they do not inland.
County HQ
Mombasa
Population
1.2M
Region
Coast
Towns Served
6
Local Risk Profile
Cargo handling, storage and inland transit generate the highest marine claim volumes in Kenya. Salt air accelerates corrosion on vehicles and machinery, and low-lying areas of the island and Nyali flood in the long rains. Tourism creates seasonal public liability exposure.
Main routes we rate against
Mombasa-Nairobi Highway (A8), Mombasa-Malindi Road (B8), Dongo Kundu Bypass and Likoni Ferry crossing
Cover Available
These are the covers that matter most in Mombasa, chosen from what the county actually does. Every other product we write is still available here on request.
Drive with confidence. Every road. Every risk. Covered.
See detailsQuality healthcare, guaranteed. For you and everyone you love.
See detailsYour love for your family is infinite. So is our protection.
See detailsDignity in life's most difficult moment. Without the financial burden.
See detailsAccidents happen. Your income doesn't have to stop when they do.
See detailsYour cargo, protected. From factory floor to your front door.
See detailsProtect what you've built. Keep your business running, no matter what.
See detailsProtect your employees. Protect your business. It's the law.
See detailsYour home is your sanctuary. Let's keep it that way.
See detailsThe world is yours. Travel it without worry.
See detailsIf a customer gets hurt on your premises, this is what stands between you and the lawsuit.
See detailsIf you transport other people's goods, their loss can become your liability.
See detailsForced entry shouldn't cost you your business.
See detailsThe broadest cover available for factories, plants, and large industrial sites.
See detailsYour inventory moves. Your cover should move with it.
See detailsProtect your whole team with one policy, not twelve individual ones.
See detailsCash in the safe, cash in transit, cash in your cashier's hands, covered.
See detailsShopfront glass is expensive to replace. Don't pay for it twice.
See detailsOn the Ground
We arrange cover across the whole county. These are the centres where we write the most business, and what tends to matter in each.
Old Town, the CBD and the port - marine cargo, burglary and money cover.
Hotels and upmarket residential - home, contents and hospitality liability.
Cement, manufacturing and beach hotels - industrial all risks and WIBA.
Ferry crossing and mainland south - commercial motor and personal accident.
Port logistics, refinery and container depots - marine, goods in transit, WIBA.
Fast-growing residential and nightlife strip on the Kilifi border.
Questions
Yes, this is one of our core Coast products. We write single-shipment policies for one-off imports and open cover for regular importers, on Institute Cargo Clauses A, B or C. Cover can run warehouse-to-warehouse, so your goods stay insured on the road to Nairobi, not just at sea.
In practice yes. Kenyan law requires that cargo imported into the country be insured with a locally licensed insurer, and clearing agents will ask for the certificate. Arranging it before the vessel sails is both cheaper and safer than doing it at the last minute.
It affects claims more than premiums. Corrosion itself is wear and tear and is never covered, but it makes accident repairs more expensive and can complicate valuations on older vehicles. Comprehensive cover on a coastal vehicle is worth reviewing every renewal so the sum insured stays realistic.
Send us what you need covered. Quotes from several underwriters come back the same working day, and cover can start immediately.
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