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    Occupiers Liability Insurance

    Zero hassle. Great prices. Trusted by property owners and managers

    Trusted by 500+ Lagos businesses
    LASBCA Certified
    24/7 Claims Support
    💼✓✓
    What it does

    Protects You When Visitors Get Hurt

    Covers you if a visitor is injured or their property is damaged while on your premises. From slip-and-fall accidents to falling fixtures, you're protected.

    • Visitor injury coverage
    • Third-party property damage
    • Legal defense costs
    • Medical expense coverage
    🏠
    Who it's for

    Built for Property Owners & Landlords

    Whether you own a commercial building, residential property, or retail space, our occupiers liability insurance protects you from claims arising on your premises.

    • Commercial property owners
    • Residential landlords
    • Retail and shop owners
    • Hotel and hostel operators
    ₦✓✓
    Why it matters

    Meet Your Legal Obligations

    As a property owner, you have a legal duty of care to keep your premises safe. Our coverage helps you meet these obligations and covers compensation claims when accidents happen.

    • Fulfill duty of care requirements
    • Cover compensation claims
    • Protect your assets
    • Avoid personal liability
    !OfficesShops
    Law in Nigeria

    Mandatory for Public Buildings

    Occupiers liability insurance is mandatory for public buildings including hostels, offices, and shops. Non-compliance can lead to fines, penalties, and legal action.

    • Required for offices and shops
    • Mandatory for hostels and hotels
    • Avoid fines and penalties
    • Meet LASBCA requirements
    Claims Made Simple

    No paperwork. No hassle.
    No waiting.

    File claims directly from your phone and get paid fast. Our streamlined process means less stress and quicker resolutions when you need it most.

    • Submit claims in under 5 minutes
    • Track status in real-time
    • Get paid within 48 hours
    Claim Status₦2,500,000Claim Paid!FiledReviewedPaidView Details

    Built for Lagos Businesses

    Protecting the businesses that build our city

    WELCOME

    What's Covered?

    Visitor injuries on premises
    Public liability claims
    Property damage to third parties
    Legal defense costs
    Medical expenses
    Tenant & guest protection

    Good to know...

    Answers to common questions about your coverage

    Any building that receives visitors or the public needs occupiers liability insurance. This includes offices, shops, hotels, hostels, schools, hospitals, and residential properties with common areas.
    It covers claims from tenants who are injured in common areas or due to building defects. Tenants' personal belongings and activities within their units typically require their own coverage.
    If a contractor's negligence caused the injury, their insurance may respond. However, as the property owner, you may still face claims, which is why having your own coverage is essential.
    Premiums are based on your property type, size, number of visitors, and risk factors. Commercial properties with high foot traffic typically have higher premiums than residential buildings.

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    Protect your property today

    Get LASBCA-compliant occupiers liability insurance in minutes