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Last updated 15 May 2026. This is placeholder structure. Final copy is to be supplied by counsel.
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An official website of the Lagos State Government
Lagos State Building Control Agency · LAGBIS
Official Lagos State scheme
in partnership with LAGBIS
Is your building
compliant?
Building insurance is compulsory across Lagos State under LAGBIS. Verify any building in seconds, or get yours covered today.
Covered in minutes, fully online
NAICOM regulated
Fire & Special Perils
Cover the building itself against fire and special perils. The core policy for every landlord in Lagos State.
0.22% to 1.75% of sum insured See details →
NAICOM regulated
Occupiers Liability
Cover your liability to the people inside the building. Required for buildings of four floors or more.
Set factors per unit, plot or floor See details →
NAICOM regulated
Petrol & Gas Station
Specialised cover for fuel and gas station operators, priced on the assets you declare.
Declared asset values See details →
NAICOM regulated
Contractors' All-Risk
Protect works in progress during construction or major renovation, from groundwork to handover.
Contract value plus asset values See details →
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Backed by
Lagos State Government
LAGBIS scheme
NAICOM-regulated underwriters
Powered by Casava
The law changed
An uninsured building is now a liability you carry alone.
Under the Lagos Building Insurance Scheme, cover is compulsory for every building owner. Without a valid policy, the cost of a fire, collapse or injury falls entirely on you, and so does the penalty.
Up to ₦5M
Regulatory penalty
Owners of non-compliant buildings face fines of up to five million Naira under the scheme.
Sealed
Building can be shut down
Authorities can seal a non-compliant building, halting business and tenancy until cover is in place.
100%
The loss is yours
Rebuilding after a fire or collapse, and any injury claim from occupiers, lands wholly on the owner.
Compliance is the easy part. Verify a building in seconds, or get yours covered today under the Lagos Building Insurance Scheme.
Get covered now →
Compliance deadline
Time left to insure your building
Buildings across Lagos State must hold valid cover by 30 September 2026 under LAGBIS. Insure now to stay compliant and avoid penalties.
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Check any building, before you commit
Tenants, buyers, agents and owners can instantly confirm whether a building has a valid LAGBIS-compliant policy. Enter a policy number to see active coverage, expiry and LASBCA compliance status — no account needed.
Try a sample lookup
Checking the LAGBIS registry...
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No record found
There is no record of this building or policy in our database. If you own it, you are required to get covered under LAGBIS.
Results are redacted for privacy. Full policy details are available to the policyholder in the app.
Why the scheme exists
LAGBIS protects building owners, the people inside, and the public. Compliance is the law in Lagos State, and InsureBuild makes it the easy default.
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From quote to certificate in one sitting
Everything is in the app: your certificate, claim reports and quotes are all downloadable.
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Learn about the products
Each product line is NAICOM-regulated. The rate is the same across every underwriter.
Most common · sold together
Fire & Special Perils + Occupiers Liability
For landlords and tenants. The structure is covered against fire and special perils; occupiers cover their liability to the people inside. Bought in one checkout.
0.22% to 1.75% of sum insured
Per-unit liability factors
Learn more →
Building owners
Fire & Special Perils
Covers your building against fire, explosion, flood, storm and special perils. Compulsory for all building owners in Lagos State under LAGBIS.
0.22% to 1.75% of sum insured
Learn more →
Landlords & occupiers
Occupiers Liability
Covers your legal liability to visitors, tenants and the public. Required for all buildings of four floors or more under LAGBIS.
Set factors per unit, plot or floor
Learn more →
Fuel station operators
Petrol & Gas Station
Specialised cover for petrol filling stations and LPG outlets, protecting against fire, explosion and environmental liability. Priced on declared asset values.
Declared asset values
Learn more →
Contractors & owners
Contractors' All-Risk
Covers works and materials on site from groundwork to handover, plus third-party liability arising from the construction process.
Contract value plus declared asset values
Learn more →
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What would cover cost you?
Get an indicative figure in seconds, against the real LAGBIS rate card. When you are ready, the app turns it into a binding quote and a certificate.
This is an estimate, not a binding quote. Final premium depends on full underwriting.
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Indicative premium / year
Built for everyone the scheme touches
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The scheme, in numbers
Lagos is getting compliant, one building at a time.
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buildings covered
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in cover placed
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online, no paperwork
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What Lagos says
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Placeholder quotes. Replace with real customer testimonials before launch.
Questions, answered
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Your cover, in your pocket
Manage policies, verify a building, file a claim and top up your wallet from the InsureBuild app, on iOS and Android.
Store links are placeholders. Add the real listings before launch.
Compliance, made the easy default
Verify a building in seconds, or get your own covered today under the Lagos Building Insurance Scheme.