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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 Narok County - Narok, Maasai Mara / Talek, Kilgoris, Ololulunga and every town in between. Narok holds the Maasai Mara, Kenya's highest-earning tourism asset, alongside large-scale wheat and barley farming and extensive pastoralism. With commercial farming, livestock keeping and tourism driving the local economy, the cover that makes sense here is specific to Narok. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Narok Is Different
Tourism concentrates guest liability, game-drive vehicle and camp fire exposure, all highly seasonal. The Mai Mahiu-Narok road is steep and accident-prone, wheat farming carries machinery and fire risk, and human-wildlife conflict affects livestock. 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.
Holiday and rental properties in Narok Town and Maasai Mara / Talek often sit empty for long stretches. Most policies restrict cover after 30 to 60 consecutive days unoccupied, and an undeclared vacancy is a leading reason burglary claims are refused. Declare it and we will place it with an insurer who accepts it.
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 Narok 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 Narok.
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.