Which companies offer agricultural insurance in Kenya?
About nine of the roughly 36 general insurers we checked publish agricultural insurance in Kenya. APA, Britam (through Britam Connect), CIC, Geminia, Liberty (Heritage) and Old Mutual cover both crops and livestock; Madison covers livestock only; GA covers fish farms and horses; Takaful Insurance of Africa has underwritten pastoral index cover. The best fit depends on what you farm.
Kenyan insurers' farm products compared
| Insurer | Crops | Livestock | Dairy terms | Poultry | Greenhouse | Fish | Trees | Index cover | Whole-farm package |
|---|---|---|---|---|---|---|---|---|---|
| APA Insurance | Yes | Yes, incl. single animals | Calving; loss of income | Yes | Steel frames only | – | Yes, incl. orchards | Area yield, weather | – |
| Britam (Britam Connect) | Yes | Yes, from 20 cattle | Calving; 1 month milk loss | Yes, from 500 birds | – | – | Fire only | Yes | – |
| CIC General | Yes | Yes | Calving; 3 months–8 years | – | – | Page found, no terms shown | – | – | – |
| GA Insurance | – | Horses only | – | – | – | Yes (Samaki Bima) | – | – | – |
| Geminia | Yes | Yes | Calving (optional) | – | Yes | – | – | Area yield, weather | Yes (Farm Protector) |
| Liberty (Heritage) | Yes | Yes | Delivery complications | Yes | Yes, incl. flowers | Yes | Yes | Drought, excess rain | – |
| Madison General | – | Yes | Calving; 90 days–8 years | – | – | – | – | – | – |
| Old Mutual General | Yes | Yes | Dairy cattle covered | Yes | As a farm asset | – | Tree crops | Legacy weather index | Farm assets |
| Takaful Insurance of Africa | – | Pastoral index only | – | – | – | – | – | Pastoral (past lead underwriter) | – |
- Crops
- Yes
- Livestock
- Yes, incl. single animals
- Dairy terms
- Calving; loss of income
- Poultry
- Yes
- Greenhouse
- Steel frames only
- Fish
- –
- Trees
- Yes, incl. orchards
- Index cover
- Area yield, weather
- Whole-farm package
- –
- Crops
- Yes
- Livestock
- Yes, from 20 cattle
- Dairy terms
- Calving; 1 month milk loss
- Poultry
- Yes, from 500 birds
- Greenhouse
- –
- Fish
- –
- Trees
- Fire only
- Index cover
- Yes
- Whole-farm package
- –
- Crops
- Yes
- Livestock
- Yes
- Dairy terms
- Calving; 3 months–8 years
- Poultry
- –
- Greenhouse
- –
- Fish
- Page found, no terms shown
- Trees
- –
- Index cover
- –
- Whole-farm package
- –
- Crops
- –
- Livestock
- Horses only
- Dairy terms
- –
- Poultry
- –
- Greenhouse
- –
- Fish
- Yes (Samaki Bima)
- Trees
- –
- Index cover
- –
- Whole-farm package
- –
- Crops
- Yes
- Livestock
- Yes
- Dairy terms
- Calving (optional)
- Poultry
- –
- Greenhouse
- Yes
- Fish
- –
- Trees
- –
- Index cover
- Area yield, weather
- Whole-farm package
- Yes (Farm Protector)
- Crops
- Yes
- Livestock
- Yes
- Dairy terms
- Delivery complications
- Poultry
- Yes
- Greenhouse
- Yes, incl. flowers
- Fish
- Yes
- Trees
- Yes
- Index cover
- Drought, excess rain
- Whole-farm package
- –
- Crops
- –
- Livestock
- Yes
- Dairy terms
- Calving; 90 days–8 years
- Poultry
- –
- Greenhouse
- –
- Fish
- –
- Trees
- –
- Index cover
- –
- Whole-farm package
- –
- Crops
- Yes
- Livestock
- Yes
- Dairy terms
- Dairy cattle covered
- Poultry
- Yes
- Greenhouse
- As a farm asset
- Fish
- –
- Trees
- Tree crops
- Index cover
- Legacy weather index
- Whole-farm package
- Farm assets
- Crops
- –
- Livestock
- Pastoral index only
- Dairy terms
- –
- Poultry
- –
- Greenhouse
- –
- Fish
- –
- Trees
- –
- Index cover
- Pastoral (past lead underwriter)
- Whole-farm package
- –
From each insurer's own Kenyan website, checked 18 October 2026; Takaful's own site could not be read, so its row comes from published scheme records. A dash means we did not find it on the site, not that the insurer never offers it. Listed alphabetically; the order is not a ranking.
Insurer pages we reviewed (8)
Insurers with no farm product on their website
| Insurer | What we found |
|---|---|
| ICEA LION General | Dog cover only; no crop or livestock product |
| SanlamAllianz General | Formed November 2025 from Jubilee Allianz and Sanlam General; no farm cover |
| NCBA Insurance | Formerly AIG Kenya; no farm cover |
| Pioneer | Its Mavuno Plan is a life savings plan, not crop cover |
| Monarch | 'Agricultural and Forestry' is motor cover for tractors and harvesters |
| Mayfair, AAR, Occidental, Cannon, Kenindia and others | No agricultural product listed |
- What we found
- Dog cover only; no crop or livestock product
- What we found
- Formed November 2025 from Jubilee Allianz and Sanlam General; no farm cover
- What we found
- Formerly AIG Kenya; no farm cover
- What we found
- Its Mavuno Plan is a life savings plan, not crop cover
- What we found
- 'Agricultural and Forestry' is motor cover for tractors and harvesters
- What we found
- No agricultural product listed
First Assurance, Kenya Orient, Fidelity Shield, Tausi, Directline and Star Discover could not be checked online. Ask us and we will confirm directly.
Market changes that affect who you buy from
Jubilee Allianz General and Sanlam General merged on 1 November 2025 to form SanlamAllianz General Insurance, which sells no agricultural cover; Jubilee no longer writes general insurance in Kenya.
Source: SanlamAllianz Kenya
UAP Old Mutual dropped the UAP name in 2022; its general insurer now trades as Old Mutual.
Source: Khusoko, May 2022
Heritage Insurance's website now redirects to Liberty Kenya; Heritage remains the general insurer within Liberty Kenya Holdings.
Source: Liberty Kenya Holdings
Britam's farm covers are sold by its microinsurance company, Britam Microinsurance Company (Kenya), on the Britam Connect website.
Source: Britam Connect
CIC launched a microinsurance company, CIC Impact, in July 2026, including covers for smallholder farmers.
Source: HapaKenya, July 2026
Trident Insurance and Corporate Insurance were placed under statutory management in March 2026 and may not write new business; Xplico Insurance is in liquidation.
Source: The Star, 25 March 2026
Monarch's 'Agricultural and Forestry' product is motor cover for tractors and harvesters, not crop or livestock insurance.
Source: Monarch Insurance
How to choose an agricultural insurer
- Does it cover your crop or animal at your scale: a single cow, 500 birds, one greenhouse?
- What are the claim rules: how fast you must report, who does the post-mortem, what photos are needed?
- What is the excess, and how is theft treated?
- How is the sum insured set: vet valuation, input costs or expected yield?
- Is a farm visit needed before cover starts, and how soon can it happen?
- Does it have claims staff or vets near your county?
- Is the insurer financially sound? Avoid any under statutory management.
- Can you pay by M-Pesa or in instalments, and will your lender accept the policy?
The market in numbers
Kenyan crop and livestock insurance premiums reached about KSh 2.04 billion in 2025, up from about KSh 1.2 billion in 2024.
Fewer than 1% of Kenyan farmers and pastoralists have agricultural insurance, and farm cover is under 1% of all insurance premiums.
Source: National Agricultural Insurance Policy (December 2023)
In FinAccess 2024, 5.2% of people who live mainly from farming held private insurance. Among those without it, 72.7% said they cannot afford it and 30.3% said they don't understand it.
What the insurers charge
Only one insurer publishes rate bands for farm cover, and most quote only after a vet valuation or farm visit. Our cost guide sets out the published bands, minimum premiums, scheme prices and worked examples.
See farm insurance costs and worked examples
Frequently asked questions
What is the best insurance company for farmers in Kenya?
There is no single best insurer: it depends on what you farm. Some cover a single dairy cow, others need herds of 20; only a few cover greenhouses, poultry or fish. Compare the claim rules, excess and valuation basis as well as the price. We compare the insurers that fit your farm for you.
Which livestock insurance providers are available in Kenya?
APA, Britam (through Britam Connect), CIC General, Geminia, Liberty (Heritage), Madison General and Old Mutual General publish livestock cover. GA covers horses only, and Takaful Insurance of Africa has underwritten pastoral index cover.
Which companies offer crop insurance in Kenya?
APA, Britam (Britam Connect), CIC General, Geminia, Liberty (Heritage) and Old Mutual General publish crop cover. Geminia, Liberty and APA also list index options for crops.
Which insurers cover poultry in Kenya?
APA, Britam (Britam Connect, for flocks of 500 birds or more), Liberty (Heritage) and Old Mutual General list poultry. Several others cover only cattle, goats and sheep.
Which insurers cover greenhouses?
Geminia and Liberty (Heritage) have greenhouse covers, APA covers steel-framed greenhouses, and Old Mutual insures greenhouses as farm assets under its crop policy.
Which insurer covers fish farms in Kenya?
GA Insurance sells Samaki Bima for ponds and cages, and Liberty (Heritage) lists fish among the animals it insures.
Does Jubilee still sell farm insurance?
No. Jubilee's general business merged into SanlamAllianz General Insurance on 1 November 2025, and SanlamAllianz lists no agricultural cover.
Is there Sharia-compliant (takaful) livestock insurance in Kenya?
Yes. Takaful Insurance of Africa has offered index-based livestock takaful and has led pastoral index payouts. Its website could not be checked for current products, so ask us and we will confirm.
Is farm insurance bought through a bank different?
Some banks sell crop and livestock cover without naming the insurer behind it. Always ask which insurer underwrites the policy and read its claim rules: the insurer, not the bank, pays the claim.
Which insurer fits your farm?
Tell us what you farm. We compare the insurers that actually cover it and send you the options side by side.
Licensed by IRA · No obligation · We reply within 1 hour
Sources (13)
- Naveah review of Kenyan general insurers' websites, 18 October 2026
- Kenyan insurers' livestock pages, checked 18 October 2026
- SanlamAllianz Kenya
- Khusoko, May 2022
- Liberty Kenya Holdings
- Britam Connect
- HapaKenya, July 2026
- The Star, 25 March 2026
- Monarch Insurance
- Business Daily, 4 August 2026, citing IRA data
- National Agricultural Insurance Policy (December 2023)
- FSD Kenya, analysis of the 2024 FinAccess survey
- Kenyan insurers' agriculture pages, checked 18 October 2026
Facts and published prices checked 18 Oct 2026; last reviewed October 2026 by Naveah Capital. Rates shown are published bands, scheme figures and market estimates before levies, not a quote or a promise. Naveah Capital Insurance Agency is an IRA-licensed insurance agency in Nairobi; this page is general information, and your policy wording decides your cover.
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