Protecting the livelihoods of Kenya's farmers & pastoralists.
Tailor-made agricultural and livestock insurance solutions — from index-based drought cover to bundled cooperative policies. When the unexpected happens, farmers shouldn't lose everything.
An agency built for the realities of farming in Kenya.
Kapri Insurance Agency Limited is a Kenyan-registered insurance and risk management agency dedicated exclusively to protecting the agricultural sector. Since 2010, we have been the partner of choice for smallholder farmers, pastoralists, agribusiness cooperatives and farmer groups.
We understand the unique risks of farming and livestock keeping — drought, disease, market volatility, and the losses that follow. Our purpose is simple: ensure that when the unexpected happens, our clients do not lose everything they have worked for.
Kenya's agricultural sector faces existential threats.
Between 2020 and 2022, the worst drought in 40 years cost Kenya an estimated 2.5 million livestock, with another 2.6 million dying through early 2023. Agriculture contributes ~33% of Kenya's GDP and employs over 70% of rural Kenyans — yet less than 1% of farmers hold any form of insurance.
The challenge is not just the weather. It is the near-total absence of accessible, affordable, clearly explained insurance at the grassroots level. Kapri was built specifically to bridge this gap.
End-to-end cover, designed for the field.
From initial risk assessment through to claims settlement — placed with Kenya's leading underwriters including our partnership with Kenya Orient.
Livestock Insurance
Cover for cattle, camels, goats and sheep — including index-based drought and weather insurance for pastoralist communities.
Crop & Harvest Insurance
Multi-peril agricultural insurance protecting your harvest against drought, disease, pests and unexpected loss.
Index-Based Weather Cover
Parametric covers that pay out based on rainfall and weather indices — no lengthy assessments.
Risk Assessment & Surveys
On-site surveys by experienced field officers before any cover is recommended — accurate pricing, stronger protection.
Claims Management
Immediate assessor appointment, full documentation, and total-loss settlement within an estimate of 14 days.
Bundled Cooperative Cover
Affordable single policies for cooperatives, SACCOs and farmer groups — protect all members at once.
From planting to harvest
Multi-peril cover and weather-index products structured around your growing calendar.
Herds protected across the rangelands
Index-based drought insurance and asset cover for cattle, camels, goats and sheep.
Six reasons farmers and agribusiness leaders choose us.
We Do the Work For You
Negotiations, paperwork and underwriter relationships — handled at no extra cost.
Access to Exclusive Rates
Licensed agency rates and policy terms not available to the general public.
A Dedicated Human Contact
No call centres. A named contact who knows your farm and your policy.
Speed When It Matters
Our 14-day total-loss settlement is a standard, not a target.
Field Presence Across Kenya
Officers and vets working in arid and semi-arid counties every day.
East Africa Experience
Cross-border placements through our Tanzania sister company, Outassurance.
Getting insured through Kapri is straightforward.
Upon appointing us as your insurance agent and signing the agency agreement, we will guide you end-to-end:
- 1Full risk survey of your farm, livestock or agricultural assets
- 2Establish maximum and estimated probable loss for your portfolio
- 3Approach selected underwriters and negotiate competitive terms
- 4Present a clear policy recommendation — no jargon, no hidden costs
- 5Activate cover and provide all documentation
- 6Assign a dedicated contact for renewals, support and claims
Insurance expertise. Rural fluency.
Kapri is led by an experienced Board of Directors and a Principal Officer with deep expertise in Kenyan agricultural insurance. Our team combines technical insurance knowledge with a genuine understanding of rural Kenya.
A trusted network across East Africa.
Kenya's insurance sector recorded 9.4% premium growth in FY 2024. Overall penetration sits at 2.3% of GDP — agricultural insurance below 1%. We conduct quarterly market surveys to keep your cover competitive.
Ready to protect your farm or livestock?
Contact Kapri today for a no-obligation risk assessment and insurance quote. Our team will be in touch within one business day.
- No-obligation risk assessment
- Tailored recommendation, no jargon
- Dedicated named contact