We provide professional brokerage services which ensure tailor-made Insurance Policies to cover your Assets, Personnel and Liabilities by negotiating with your Insurers reasonable rates, flexible terms and conditions, favorable discounts to enable your organization pay as low as possible for the best cover available.


A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road. The law mandates that every owner of a motor vehicle must have at least a third party insurance policy.

Types of Motor Insurance Policy:


This is the minimum insurance that owners of motor vehicles plying Nigerian roads are required to have under the third party Act of 1945. The policy covers liability for death or bodily injury to a third party arising from the use of the vehicle. Section 68 of the Insurance Act 2003 extends the liability to cover damage to the property of a third party to the tune of One Million Naira. It also makes it a criminal offence not to have a motor vehicle third party insurance policy and the penalty for non-compliance is imprisonment for one year or a fine of N250, 000 or both.


Third Party, Fire & Theft Vehicle Insurance covers your vehicle for accidental damage caused to a third party and against theft and fire damage caused to your vehicle, however any damages caused to your vehicle will not be covered.


Comprehensive Cover is the highest level of cover a person can have if they take out motor insurance. While Third-party only and third-party, fire and theft policies cover damage to others as the result of an accident that was deemed your fault, any damage to your own car is your own problem, Comprehensive car insurance policies, on the other hand, covers for damage to your car as well.


A fire insurance contact may be defined as ‘an agreement’ whereby one party in return for a consideration undertakes to indemnify the other party against financial loss which the latter may sustain by reason of certain subject-matter being damaged or destroyed by fire or other defined perils up to an agreed amount.

Fire insurance covers a policyholder against fire loss or damage brought about by the ignition of fire, electricity, lightning or explosion of gas, natural disasters, and bursting and overflowing of a water tank or pipes.


Contractors’ All Risks (CAR) insurance is an insurance policy that provides coverage for both damage to a property and third-party injury or damage claims.

This includes Damages to a structure not being properly constructed or damage during a renovation, Third-parties, including subcontractors, who may become injured while working at the construction site.


A type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default.


The Workmen’s Compensation Insurance Policy provides for legal liability coverage for compensation to your employees for bodily injury or death caused due to accidents / occupational diseases arising out of and in course of employment.


A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured in a manner and to the extent thereby agreed against marine losses.

Marine Insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.


The policy covers the property against loss/damage by burglary/house breaking. It also covers damage to your premises caused by burglars during burglary or attempts at burglary.

The Policy pays actual loss/damage to your insured property caused by burglary/house breaking subject to the limit of Sum Insured. It covers the contents against loss of or damage caused by theft accompanied by forcible and violent entry into or exit from the premises.


This covers loss of money in transit, by the Insured or the Insured’s authorized employee(s), occasioned by robbery, theft or any other fortuitous cause, loss of money in safe, burglary, housebreaking, robbery or hold-up, provided always that the limit of the Company’s liability for any one loss shall in no case exceed the amount specified against any respective section in the said Schedule to the Policy.


It covers loss of money in all forms E.g. cash, cheques, postal and money orders belonging to the Insured whilst in transit from the insured’s premises to the Bank and vice-versa, Loss of money occasioned by robbery or theft or any cause whilst in transit or in premises.


Group Life Assurance is a policy that covers the death of an employee while in service. Employers with three (3) or more staff are expected to take this cover mandatorily. On the death of an employee, a benefit equivalent to three (3) times of the annual emolument of the employee is paid to his/her next-of-kin.


Aviation insurance is an insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation.

The policy provides cover for loss or damage caused to an aircraft while in flight, taxing, on the ground and moored. This policy is a total package that in addition covers Hull, hangars, war risks, spare parts, third party legal liability, passenger’s liability, baggage, cargo or mail liability.


This will cover damage from fire, lightning, short-circuit, smoke, soot, earthquake, moisture, water and weather phenomena, breakage, poor handling, theft, etc.

The insured capital must be calculated at the insured equipment’s replacement value, i.e. the value of a new machinery of the same capacity and same type.


Fidelity Guarantee insurance is an insurance policy designed to indemnify the Insured (the employer) for the loss of money or property sustained as a direct result of acts of fraud, theft or dishonesty by an employee in the course of employment.


This covers the goods of the insured against fire, theft or accidental damage while the goods are being loaded or unloaded, as well as, while the goods are in transit or whilst temporarily housed within the general course of transit. It’s highly important to protect your goods from these unavoidable incidents.

The Cover commences immediately the goods are being loaded on to the transit vehicle and lasts until the goods are unloaded at the final destination. The conveyance can be either by road or by rail or by air or by water, and the geographical limit is anywhere in Nigeria.


Personal Accident Insurance 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 hospitalization.