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Your inventory moves. Your cover should move with it.
Mufasa Insurance Agencies arranges stock floater 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. Erratic rainfall and armyworm outbreaks affect yields, and heavy farm machinery on public roads creates liability exposure. 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 Trans Nzoia 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.
Stock Floater 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
Cover automatically adjusts to your declared stock value each period.
Stock held across warehouses, branches, and depots under one policy.
Loss or damage from fire, flooding, and other insured perils while in storage.
Goods moving between your own locations against loss or damage.
The Process
Tell us your typical and peak stock holding across all locations.
Submit simple stock declarations so your cover always matches what's actually on hand.
In the event of loss, your claim is settled against the stock value declared for that period.
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.
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.
A standard Fire policy uses a fixed sum insured. Stock Floater adjusts to your fluctuating stock levels, so seasonal businesses don't overpay or underinsure.
Most insurers allow an average-based settlement if declarations lapse briefly, but consistent declarations get you the most accurate claim payout.
Yes, Stock Floater is designed for exactly this, multiple locations under a single schedule and premium.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.