This policy covers the loss or damage to insured vehicles as a result of fire, theft, vandalism, accidental damage or collision. Coverage also includes Legal Liability for death, bodily injury or damage to the property of third parties out of the use of the insured vehicles.

This is the minimum insurance that owners of motor vehicles plying Nigerian roads are required to have. The policy covers liability for death and or bodily injury to a third party arising from the use of the vehicle. Section 68 of the Insurance Act of 2003 extends the liability to cover damage to the property of a third party to the tune of N1million Naira.

This policy provides cover on Third Party Liability with limited benefit on own damage for the insured. Theinsure will have a full cover for Third Party Liabilities and as well have some benefits for his/her own damage which must be a result of an accident involving a third party.

The Policy will cover loss of or damage to property to be insured or damage to the premises and contents by theft accompanied by forcible and / or violent entry and exit of the premises including any attempt thereat or thereof.

This policy covers you, your home and household content against risks like fire, flood, burglary, lightening & thunderbolt, explosion, riot and strikes etc. This cover is available to both tenants and home owners

This cover provides compensation to individuals or groups (Clubs, Families or Companies) in the event of accidental bodily injury to the insured person (s) which results to death, disablement or hospitalisation. It provides a 24-hour worldwide protection and can be tailored to individual requirements.

Personal Accident Insurance provides for demise, permanent and temporary disability benefits to employees as a result of accident during the course of employment. It is designed to improve the welfare of employees as well as reduce the financial strain on the organization in the event of accident, demise or bodily injury to a member of staff.The policy also provides cover on 24-hours basis and benefits are expressed as multiples of salaries. Cover extends to weekly benefits in the event of temporary disability resulting from bodily injury to the insured person as well as certain allowances for expenses incurred on medical treatment. Demise or injuries from natural causes are not covered.

The policy will cover loss through acts of fraud or dishonesty of the insured employees committed during the period such employee is guaranteed and discovered during the period such employee is guaranteed but not later than twelve months after the termination of such employment.

This policy provides cover for loss or damage to property while in transit on land, rail or inland waterways within Nigeria or during loading or unloading in connection with such transit or while temporary garaged during course of such transit.

The policy will provide indemnity on All Risks basis which includes Fire, Burglary, Theft, Accidental breakage and other unforeseen circumstances subject to the policy exclusions.

The cover provided by this policy is against loss of or damage to money whilst in transit or in locked safe, on the counter / till box during business hours (both local & foreign currency) as a result of theft, fire and other causes not excluded in the policy document.

It covers insured’s legal liability to any person lawfully in the insured’s premises against: a. Accidental death, injury or illness of any person not under a contract of service or apprenticeship with the insured. b. Accidental damage to property not belonging to the insured or in their custody or control whilst carrying out their business activities.

It covers insured’s Legal Liability arising from defects in goods manufactured, sold, supplied repaired, altered, treated or serviced contrary to their standard qualities and specifications.

The Policy covers repair, replacement and other consequential damage to electronic appliances. The loss might be as a result of impact from objects or mechanical damage to the insured equipment, malicious damage, carelessness in handling the equipment, theft of the equipment, damage by fire, and electrical damage to the equipment.

This policy offers comprehensive protection against all the risks involved in the erection of machinery, plant and steel structures of any kind. It may be extended to cover third party liabilities in connection with the erection project.

This policy covers loss or damage to the insured machinery whilst at the loaction from any cause outside the machinery, including fire, explosion, impact damage, burglary and legal liability arising therefrom.

This Provides indemnity in respect of the cost of repairing or replacing insured machinery as a result of breakdown whilst the machinery is: • Working • At rest • Being dismantled, moved or re-erected for the purpose of cleaning,inspection or installation in another position within the location of the risk.

This policy offers comprehensive protection against loss or damage in respect of contract work, construction plant and equipment and/or construction machinery. The policy may also be extended. to provide protection against third party legal liabilities.

The policy provides indemnity for loss of or damage to property caused by the perils of Fire, Lightning, Explosion and extraneous perils such as Aircraft and other aerial devices or articles dropped therefrom, Impact by Road Vehicles Horses, and Cattle, insured’s own vehicles and those of the employees, Bursting and Overflowing of Water Tanks, Apparatus or Pipes, Riot and Strikes, Malicious Damage, Tornado, Hurricane, Cyclone, Windstorm, Flood, Earthquake and Bush Fire.

this policy covers loss of or reduction in revenue and/or production income following interruption/cessation/reduction, or partial or total failure to produce or increased cost of expenses arising from accidental, physical loss or damage to any building, plant, equipment or machinery by perils described under material damage section.

The purpose of marine insurance is to provide an indemnity to ship and cargo owners against fortuitous loss and liability arising out of risks associated with a “marine adventure”. This class of insurance provides compensation to the cargo owner in the event of loss of or damage to the cargo whilst in transit between one country and another either by sea or by air. Marine cargo insurance is written under the Institute Cargo Clauses terms (ICC).

The Afriglobal Marine Hull Insurance policy is designed to cover a ship owner or operator against loss or damage to the vessel by most maritime perils.Cover can be provided on either an Operational or Voyage basis. Voyage covers accidental damage to the vessel while in transit (usually from the point of purchase to where it will be put into use); an Operational policy covers accidental damage to the vessel while in use.

Section 45 of the National Health Insurance Scheme Act of 1999 requires all licensed health care providers to have a professional indemnity policy. The law defines a health care provider as any registered Government of private health care practitioner and hospital or maternity centre. The policy provides indemnity for legal laibitiy against the heath care provider as a result of negliengece in the performance of their duty as health care provider.

This is made compulsory as contained in Section 65 of the Insurance Act of 2003. The Act requires the owner or occupier of every public building to be insured against liability for loss or damage to property or death or bodily injury caused by collapse, fire, earthquake, storm or flood. The Act defines a public building as one to which members of the public have access for educational, recreational, medical and commercial purposes.

Kidnap and ransom insurance or K&R insurance is designed to protect individuals and corporations operating in high-risk areas around the world.K&R insurance policies typically cover the perils of kidnap, extortion, wrongful detention, and hijacking. K&R policies are indemnity policies – they reimburse a loss incurred by the insured. The policies do not pay ransoms on the behalf of the insured. Typically, the insured must first pay the ransom, thus incurring the loss, and then seek reimbursement under the policy.

Terrorism insurance is insurance purchased by property owners to cover their potential losses and liabilities that might occur due to terrorist activities.It is considered to be a difficult product for insurance companies, as the odds of terrorist attacks are very difficult to predict and the potential liability enormous.

Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. Risks of this nature are typically excluded from traditional commercial general liability policies or at least are not specifically defined in traditional insurance products.Coverage provided by cyber-insurance policies may include first-party coverage against losses such as data destruction, extortion, theft, hacking, and denial of service attacks; liability coverage indemnifying companies for losses to others caused, for example, by errors and omissions, failure to safeguard data, or defamation; and other benefits including regular security-audit, post-incident public relations and investigative expenses, and criminal reward funds.

This policy covers all risks of physical loss and destruction to the insured property (including Legal liability arising thereof) to the properties of the insured or arising out of the insured's operations (including their agents).

The policy to cover medical expenses, lost luggage, flight accident and other losses incurred while traveling internationally as stated in the benefits. Our clients are also guaranteed access to a wide network of healthcare services around the world.

This covers the onshore risk including refineries, petrochemical plants, depots, tank farms to the offshore risk comprising multinational and independent lease operators who work along with oil service companies involved in Engineering & Construction services, seismic operations, drilling rig activities and all manner of well delivery services.

Section 64 of the Insurance Act of 2003 makes this insurance compulsory. The relevant section of the Act stipulates that every owner or contractor of any building under construction with more than two (2) floors must take an insurance policy to cover liability against construction risks caused by his negligence or that of his servants, agents or consultants which may result in death, bodily injury or property damage to workers on site or members of the public. The insurance also covers liability for collapse of buildings under construction.

This insurance is made compulsory by Section 9 (3) of the Pension Reform Act of 2004. The particular section requires every employer of labour with five (5) or more employees to take out a life insurance policy for a minimum of three times the annual total emolument of the employee. This law is applicable to both private and public sector employees. The policy covers death and pays out stipulated death benefit to dependents of a staff