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Protect what you've built. Keep your business running, no matter what.
Mufasa Insurance Agencies arranges business insurance across Tana River County - Hola, Garsen, Bura and every town in between. Tana River follows Kenya's longest river through irrigated schemes at Hola and Bura and vast pastoralist rangeland either side. With commercial farming and livestock keeping driving the local economy, the cover that makes sense here is specific to Tana River. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Tana River Is Different
Seasonal flooding of the Tana displaces communities and destroys crops and livestock almost every long-rains season. Away from the river, drought and livestock loss dominate. Road access is poor, which slows claim response and raises transit risk. 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 Tana River 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.
Business 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
Buildings, stock, equipment, and fixtures against fire, lightning, explosion, and flooding.
Loss of stock, cash, and assets due to break-ins, robbery, or employee dishonesty.
Legal costs and compensation if a third party is injured or their property damaged at your premises.
Legally required cover for employee injuries, permanent disability, and death at the workplace.
Replaces lost income and covers ongoing expenses if your business is forced to shut down temporarily.
Cash in safe, cash in transit, and money held by employees covered against loss or theft.
Laptops, servers, machinery, and tech equipment against accidental damage, power surge, and theft.
Protects consultants, lawyers, doctors, and professionals against claims of negligence or error.
The Process
Our commercial advisors visit or call to understand your business, assets, employees, and risk profile.
We build a tailored multi-cover package, you only pay for what your business actually needs.
Your policy documents are ready within 24 hours. We handle renewals and claim support proactively.
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 Tana River 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 Tana River.
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. The Work Injury Benefits Act (WIBA) requires every employer in Kenya to have cover for all employees against work-related injuries, illness, and death. Failure to comply is a criminal offence.
Absolutely, and it's often cheaper. We commonly bundle Fire, Burglary, WIBA, Public Liability, and Money Insurance into a single Business Package policy.
Yes. If you run a business from home, standard home insurance may not cover business assets or liability. We offer specific home-business policies.
Employer's liability (WIBA) covers your employees. Public liability covers third parties, customers, visitors, or members of the public, who are injured or suffer property damage at your business.
For straightforward businesses, same day. Larger commercial risks may take 24-48 hours for our underwriting team to assess and price.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.