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Business Interruption Insurance in Kenya - Mufasa Insurance
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Business Interruption

Business Interruption Insurance

A fire doesn't just damage your building. It stops your income.

Business Interruption Insurance replaces the income you lose and covers the ongoing expenses you still owe, rent, salaries, loan repayments, while your business recovers from an insured property loss like fire, flooding, or major equipment failure.

Talk to a Private AdvisorHow It Works

Coverage Details

What's Covered

Loss of Gross Profit

Replaces the profit you would have earned had the interruption not occurred.

Increased Cost of Working

Extra costs incurred to keep trading from a temporary site.

Fixed Costs & Salaries

Rent, loan repayments, and payroll that continue even while you're not operating.

Indemnity Period

Cover for as long as it reasonably takes your business to return to normal trading.

Simple Process

How It Works

1

Calculate Your Annual Gross Profit

We help you determine the sum insured based on your revenue and standing charges.

2

Set Your Indemnity Period

Choose how long cover should run, typically 12-24 months, based on how long recovery would realistically take.

3

Claim Alongside Your Property Loss

This policy activates together with your Fire/Property claim, an adjuster calculates your actual loss of profit.

Common Questions

Frequently Asked

Can I buy this without a property policy?
Business Interruption is usually attached to an underlying Fire or property policy, since it responds to the same insured events.
Does it cover a slow month or bad sales, or only physical damage?
Only interruption caused by an insured physical event (fire, flood, machinery breakdown, etc.), not general trading downturns.
How is my claim amount calculated?
Based on your historical financial records compared to what you would have earned had the interruption not occurred, an adjuster verifies this.

Across Kenya

Business Interruption cover in your county

We arrange business interruption insurance nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

Kericho

Ready to get covered?

Get your Business Interruption insurance quote today, same day cover, zero hassle.

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