Linda Mifugo Insurance by KCB

Linda Mifugo Insurance by KCB

If you visit your nearest KCB branch today, you will be able to protect your livestock investment with Linda Mifugo Insurance.
Linda Mifugo Insurance
What Does Linda Mifugo Insurance cover?

The cover provides indemnity against loss from death of declared/insured animals resulting from natural uncontrollable causes or circumstances, including third party liability. The risks covered include:-
  •          Accidental death due to lighting,, injury, windstorm, snake bites, flooding, fire and poisoning through spray, food or drink
  •          Disease
  •          Epidemics
  •          Diseases of terminal nature
  •          Emergency slaughter on a veterinary practitioner’s advice
  •          Theft by use of force when in paddock or under zero grazing
  •          Calving/furrowing complications
  •          Malicious acts
  •          Riot, Strike, and civil commotion
  •          Cover extends to include transit risks within Kenya.

 Livestock Covered

All breeds of dairy and beef cattle, ranching

Products Featured and Benefits

·         The policy is issued annually for dairy/beef cattle and ranching goats/sheep whereas a seasonal policy is issued for pigs and poultry-broilers.
·         Age limits for cattle is 3 months to 10 years
·         Cover available to livestock and poultry farmers anywhere in Kenya
·         Animals required to be in sound health free from any disease or injury at the commencement of cover.
·         Every animal should be vaccinated and dipped regularly and records well kept
·         All treatment and inoculation must be by a qualified veterinary practitioner
·         Insured value is based on the veterinary practitioner’s health and evaluation certificate issued prior to going on cover
·         Claim settled at Insured value less excess and salvage value
·         Third party liability covered up to a claim/annual limit of Ksh. 500,000
·         Insurance accessible across KCB’s extensive branch network
·         Simple application process with a minimum premium of Ksh. 2,000 per policy
·         A proper mode of identification for all insured animals e.g. Ear tags or tattoo

What Linda Mifugo Insurance Does not Cover

The cover excludes loses from:
  •          Slaughter/intentional destruction without insurer’s consent (except on humanity grounds with the consent of a qualified veterinary practitioner)
  •          Castration or other surgical operations
  •          Malicious or willful misconduct or negligence by the insured or his management
  •          Transportation by air and/or sea
  •          Costs incurred in recovery of stolen or lost animals
  •          Unexplained/mysterious/unaccountable loss or disappearance or clandestine sale of the insured animal
  •          Losses occurring while on culling
  •         Destruction or dispossession by order of government or local authority unless due to epidemics
  •          Congenital defects (defects the animal is born with)
  •          Accident or disease contracted prior to commencement of the policy
  •          Consequential loss of any kind or description
  •          Impotence and sterility
  •          Inadequate milk production
  •          Treatment and vaccination costs
  •          Milful misconduct/neglect, malnutrition and poor animal husbandry practices
  •          Cattle/goats/pigs above 10 years
  •          Livestock participating in exhibitions and shows (unless with insurer’ prior approval)
  •          10% of each and every theft claim and/or 5% of each and every other claim minimum Ksh. 2,500
  •          Losses resulting from nuclear and radioactive contamination, war, terrorism and political risks
  •          Losses arising from medical treatment by unqualified practitioner
  •          Loses caused by famine, cattle rustling and banditry
  •          Cost of emergency response e.g. fire brigade charges and police costs


  •          Any livestock or poultry farmer can apply
  •          Cattle below 10 years of age
  •          Submit duly completed application form and a current veterinary/valuation report from the local livestock officer/practitioner
  •          Premium must be paid before commencement of cover