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Kenya's farmers feed millions. We protect the farmers.
Mufasa Insurance Agencies arranges agriculture insurance across Trans Nzoia County - Kitale, Endebess, Kiminini, Saboti and every town in between. Trans Nzoia is Kenya's breadbasket, producing a large share of the national maize crop from mechanised farms around Kitale, with dairy and seed production alongside it. With manufacturing, commercial farming and trading driving the local economy, the cover that makes sense here is specific to Trans Nzoia. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Trans Nzoia Is Different
Grain farming concentrates risk in machinery, stores and standing crop - fire in a full maize store is the catastrophic loss here. Agriculture is priced against those specific perils, so tell us your exact location - two farms an hour apart in this county can rate very differently.
A farm package can carry the standing crop, the store, the irrigation plant, the vehicles and your workers' WIBA under a single renewal date. Around Kitale and Endebess that is usually cheaper than separate policies and much easier to keep current.
Group schemes arranged through a cooperative, factory or SACCO price far below individual policies. If there is an organised society covering your area, that is almost always the route we will recommend first.
Coverage Details
Covers crop loss due to drought, excessive rainfall, hail, frost, fire, and pest invasion.
Death of cattle, sheep, goats, and poultry from disease, accident, or natural disasters.
Greenhouse structures, irrigation systems, and farm equipment against damage and theft.
Damage to farm structures, stored produce, and equipment from fire and allied perils.
Third party liability arising from farming operations affecting neighbouring properties.
Payouts triggered by satellite or weather station data, faster claims for small-scale farmers.
The Process
Our agriculture specialist assesses your farm, crop types, acreage, and livestock to determine cover.
We build a policy around your specific farming activities, crop calendar, and risk exposure.
We work with loss adjusters to assess damage quickly and process payment before the next planting season.
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 Trans Nzoia 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 Trans Nzoia.
It depends on acreage, whether you want multi-peril or area-yield index cover, and your input costs, but index products for maize typically run at a few percent of the sum insured per season. We quote against your actual acreage rather than a generic rate.
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. We offer affordable policies for small-scale farmers from 0.5 acres upwards. Index-based products with lower premiums are available through government-supported programs.
Maize, wheat, coffee, tea, horticulture, flowers, and most commercially grown crops. Exotic or experimental crops require underwriter approval.
Yes. Drought is one of the most common perils covered, particularly through index-based insurance where payouts are triggered when rainfall drops below a defined threshold.
Yes. Livestock insurance covers dairy and beef cattle, goats, sheep, and poultry against death from disease, accident, and natural disasters.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.