We Provide Exceptional Insurance services.

Whether you’re thinking about your family, home, career, health or retirement – or any combination of these – we’ve got advice, products and services to help you live a brighter, more financially secure and healthier life.

NONLIFE INSURANCE

Non- life insurance refers to the insurance of goods and properties.

NEED INSURANCE ADVICE?

Non-Life Insurance Policies

FIRE & SPECIAL PERILS

Fire insurance is a type of insurance, which is taken for getting financial compensation against the loss by fire.

What You Get

FIRE & SPECIAL PERILS

This policy covers material damage to the property insured arising from a wide range of perils which will usually include fire, lightning, explosion, storm, tempest, flood, riot damage, malicious damage, bush fire, cyclone, tornado and impact damage.

CONSEQUENTIAL LOSS (Following Fire or Allied Peril Damage) This policy enables you to:

  1. Pay all the overhead expenses of the business and any other expenses which continue following the damage.
  2. Retain all essential employees or if required, all employees, during the period of interruption.
  3. Earn the same net revenue as would have been earned had the damage not occurred.
  4. Cover any increase in cost of working incurred in an endeavour to reduce the interruption to a minimum e.g. the renting and equipment of temporary premises, contracting out, extra labour, special advertising, and the like.
  5. 5. Cover auditors’ fees for producing and certifying any particulars or details required in connection with the claim.
For Whom?

Ensuring your property is protected can be paramount to ensuring its longevity.
Your investment in your property, and its contents is protected and can be a key indicator of financial stability in the unfortunate case of significant damage.

Fidelity Guarantee Insurance

Fidelity Guarantee insurance protects your companies against financially malicious acts that may be conducted by your employees, ranging from fraud to theft.

What You Get

Fidelity Guarantee Insurance

Fidelity Guarantee insurance is an insurance policy designed to compensate the Insured financial consequences sustained as a direct result of acts of disloyalty or dishonesty by an employees or person(s) holding a position of trust.

 

Do I need Fidelity Guarantee Insurance?

We live in a very transient society, where employees can often come and leave in short periods of time. Often companies here hire new employees with little background on their previous experience.

By taking a Fidelity Guarantee policy you are ensuring your company is protected in the long term, regardless of which employees you bring on.

For more information on our Fidelity Guarantee Insurance, please don’t hesitate to get in touch.

Workmen’s Compensation

Workmen’s Compensation Insurance is designed to protect employers against liabilities to their employees, with regards to work related injuries and death.

What You Get

Workmen’s Compensation

The most recent relevant law – the Workmen’s’ Compensation Decree 1987 – imposes on all employers of labor in Nigeria, a liability to pay certain benefits to “workmen” (as defined) in the event of injury or death of such workmen arising out of and in the course of employment. In order to establish a valid claim under the Decree, it is essential that the following conditions be satisfied:

  • The incident must be accidental (not a self-inflicted injury for example) and the result must be death or injury to the employee.
  • The employee must be under a contract of service. • The accident must arise out of and in the course of employment.
  • The employee must be a “workman” as defined by the Decree.
Do I need Workmen’s Compensation Insurance?

Companies are required to pay compensation to their employees for any accident or injury at work, and hence Workmen’s Compensation is compulsory for all businesses in Nigeria. Moreover, Workmen’s Compensation is compulsory in most countries, and businesses are required to display a certificate of insurance at all their places of work.
Additionally, accidents are inevitable in any workplace, especially if the work involves manual labour on a day-to-day basis. By taking a Workmen’s Compensation policy you are ensuring that your company and its most valuable asset, your employees, are safeguarded against accidents and their effects.

For more information on our Workmen’s Compensation cover, please don’t hesitate to get in touch.

Contractor’s All Risk Insurance

All Risk insurance is to offer the insured protection against losses sustained as a result of undertaken contract works, or damages to equipment and/or construction machinery and other related assets.

What You Get

CONTRACTORS ALL RISK

Provides cover for all risks of damage, loss or destruction of contract works, whether permanent or temporary including materials and other things meant for incorporation into the works.

It also provides indemnity which the insured collectively or individually, including all participants to the yard shall become liable to pay, according to the law in force, in respect of claims arising out of accident and consequential losses to third party provided that such accident, injury, damage or loss results from activities in connection with the performance of the contract.

What it provides

The policy could be effected to cover a specific project. It could equally be effected on open basis where all projects (falling within the previously agreed limits) are declared prior to commencement of such projects based on the prior declarations, premiums are then adjusted at the end of the policy period.

This policy is designed for use by contractors, or employers of contractors, where contract conditions do not require (compel) the contractor to insure.  It is usually divided into two major sections:

  • Material Damage

    Contract Works

All risks of loss or damage to the whole of the contract works whether permanent or temporary including materials incorporated therein the property of the insured’s or for which they are responsible (but excluding contractors tools, plant and equipment) whilst on the site of work or in transit thereto.        

    Temporary Buildings

Temporary buildings meant for residential offices and stores together with their contents including contractors stock in warehouse, spare parts and tools, office furniture, fittings and equipment the properties of the insured’s or for which they are responsible whilst at the contract site or in transit thereto

  • Third Party Liability

Legal liability to third parties for accidental bodily injury or death and/or damage to property including all costs incurred in defending claims for such compensation arising out of and in connection with the execution of the contract works.

Do I need Contractor’s All Risk?

Contrator’s All Risk/Erection All Risk Insurance is often demanded as part of an industry standard when entering into contracts.
Moreover, it safeguards your company against the natural risks that occur within construction or erection, and ensures you are protected against any potential liability.
For more information regarding Contractor’s All Risk or Erection All Risk Insurance, feel free to get in touch.

MOTOR VEHICLE INSURANCE

Through this offer, getting the right amount of coverage for your car is easier than you think. You’re unique. Your coverage should be, too. Start with what you need, and add what you want.

What You Get

WHAT IS MOTOR VEHICLE INSURANCE

Car insurance is your way of being able to cover the expenses that come up if you’re driving and you injure someone or damage someone’s property, or if you get hurt and need medical care. This is called liability insurance. You can also choose to add insurance that gives you coverage for damage to your car caused by a collision, or protection against damage or loss from things like theft or vandalism.

CLASSES OF COVER OFFERED

There are three main classes of cover offered in the Nigeria market. 

  1.    COMPREHENSIVE COVER

This provides the maximum coverage possible.  It could be likened to the All Risks cover in respect of household or industrial properties.  It is however subject to a number of exclusions which tends to make the “Comprehensive” title a misnomer.

It, amongst others, affords indemnity in respect of theft, damage to own vehicle, third party liability for both bodily injury and property damage. 

  1. THIRD PARTY ONLY

This provides a restricted cover in the sense that damage to own vehicle is excluded.  Only third party liability is covered.

  1. THIRD PARTY FIRE & THEFT

This provides in addition to third party liabilities, cover against fire and theft loss to own vehicle.  Accidental damage to own vehicle is however excluded.

INTEREST

The interest to be protected under this class of insurance could be classified as follows:-

  1. PRIVATE CARS

All private passenger cars including four wheel drive vehicles whether owned, leased, used in connection with the company operation or by officials of the company. Policy also covers third party property damage. 

  1. COMMERCIAL VEHICLES (GOODS ONLY)

All goods carrying vehicles including Pick-up van(s) whether owned/leased, used in connection with the company’s operations.                                 

  1. COMMERCIAL VEHICLE (OMNI – BUS)

            All passenger-carrying vehicles other than private cars.

  1. COMMERCIAL VEHICLE (SPECIAL TYPE)

            Mobile cranes, Fork lifts, Refuellers, Hydrant servicer and the likes.                                  

  1. MOTORCYCLES
What makes your insurance products unique?

We provide a tailor-made solution for every individual client. We carefully assess your needs, and do not over- or underinsure our clients. We ensure that you get value for money, with flexible payment options and affordable premiums.

For more information about our motor insurance cover, please don’t hesitate to get in touch.

Marine Hull

The policy relates to loss or damage to the sea or ocean-going vessels insured arising from a wide range of marine perils.  In addition, certain third party liabilities that may be incurred from the operation of these vessels are covered. 

Motor Boat

The basic cover is as per the Institute Yatch Clauses.  This covers the vessel while on commission at sea or in inland waters, in port, docks or ways, gridirons or pontoons.

The cover is broadly divisible into two sections.

  1. Loss of or damage to the vessel
  2. Liability for injury to third parties, or damage to third party property

MARINE CARGO

Marine cargo insurance policies cover goods, freight and other interest against loss or damage to goods whilst being transported by rail, road, sea and/or air while it is in transit between the points of origin and final destination

What You Get

MARINE CARGO INSURANCE

If your business imports or exports its products, you’re investing in your company every time you ship cargo. Many businesses don’t protect that investment with cargo insurance but here’s just three basic common reasons of getting marine cargo insurance.

3 bases of arranging marine cargo insurance .

The three most common bases of arranging marine cargo insurance are the following:

  1.         Institute Cargo Clauses ‘A’

The cover is “all risks” of loss or damage to the subject matter insured except as stated below.  This is the widest cover available.

  1.         Institute Cargo Clauses ‘B’

This covers loss or damage to the cargo insured reasonably attributable to fire or explosion, vessel or craft being grounded, stranded, sunk or capsized, overturning or derailment of land conveyance, conveyance, collision or contact of vessel or conveyance with any external object other than water, discharge of cargo at a port of distress, earthquake, volcanic eruption or lightening. 

  1.         Institute Cargo Clause ‘C’

This covers loss or damage to the cargo insured reasonably attributable to fire or explosion, vessel or craft being stranded, grounded sunk or capsized, overturning or derailment of land conveyance, collision or contact of vessel or craft with any external object other than water and discharge of cargo at a port of distress. 

GOODS IN TRANSIT

A goods in transit insurance policy protects those who use their vehicle to pick up or transport goods, tools or materials/supplies for business purposes.

What You Get

GOODS IN TRANSIT

It provides a high level of cover for the contents of your vehicle. Goods in transit is particularly important part of the policy for courier insurance or haulage insurance, providing added protection to your customers goods should they be lost, stolen or damaged in transit. Given the potential high financial loss that could be incurred in such situations it is very much expected by your customers to be insured to some level against this risk. It is therefore important to understand the value of the goods you are carrying, and additional relevant features that should be included in your cover. 

THE POLICY

The policy will usually cover loss of or damage to goods whilst in transit (i.e. whilst actually on the vehicle or other means of transit), whilst the goods are being loaded onto or offloaded from the vehicle, and whilst the vehicle is temporarily garaged in the course of transit. There are two broad alternative bases of cover:

All Risks

This covers loss or damage caused by any accident or misfortune (all risks) to goods, unless resulting from a peril specifically excluded by the policy.

Restricted Cover

This will usually cover loss or damage to the goods arising from a limited range of perils, such as overturning or collision.

GROUP PERSONAL ACCIDENT

Your company’s employees and their wellbeing are paramount to the longevity of your company. Group Personal Accident cover protects your employees against the unfortunate event the insured passes away or is permanently disabled and unable to work.

What You Get

GROUP PERSONAL ACCIDENT

The combined workmen’s compensation/group personal accident policy for the staff (Permanent and Contract staff) of the policy holder indemnifies the insured against:

  • Death or bodily injury of the insured’s employee(s) caused by violent, accidental, external and visible means, which shall independent of any other cause result in death or disablement or incurring of medical expenses. Cover is for 24 hours whether at home, at work, on a trip within or outside Nigeria.
  • Legal liability to pay compensation to employees for death or bodily injury caused by accident or disease arising out of and in course of their employment in accordance with the workmen’s Compensation Decree No. 17 of 1987 and/or at common law.
BENEFITS

             Benefits                                                         Minimum

  1. Death/Permanent Disablement                            4.5 times annual earnings
  2. Temporary total disablement     

      per week (maximum of 104weeks)                   2% of annual earnings per week.

  1.  Medical Expenses/                                                        Unlimited
  2.  Reparation Expenses                                               N50,000  per capita or more.
  3.  Transport, Burial , & other expenses                             Negotiable    

 

Our recommendation is anchored on the twin planks of cheap rates and wider scope of cover. As a matter of fact, there are some extensions under the combined cover as enunciated above which are not available under standalone workmen’s compensation or group personal accident policies. To cap it all, the combined cover also lends itself to easy administrations.

Do I need Group Personal Accident Insurance?

Companies are required to pay compensation to their employees for any accident or injury at work, and hence Workmen’s Compensation is compulsory for all businesses. By taking a Group Personal Accident policy, you not only meet that requirement but also present a significant attraction towards potential employees and staff retention.
By taking a Group Personal Accident policy you are ensuring that your company and its most valuable asset, your employees, are safeguarded against accidents and their effects.

For more information on our Group Personal Accident cover, please don’t hesitate to get in touch.

BOND

Bond insurance is a kind of policy that, in the event of default, guarantees the repayment of the principal and all associated interest payments to the bondholders.

What You Get

BOND INSURANCE

This is a special type of insurance in terms of its provisions and scope of cover. It is generally an attempt by the principal party to a contract to transfer liabilities to the insurance companies in monetary terms for failure or non -performance of contracts awarded to contractors. It is a guarantee- ship & surety-ship insurance.

The most common Bond arrangement

Performance Bond (PB)

This policy is designed to provide financial compensation to the principal party to a contract for all claims and liabilities to the tune of the total contract amount as a result of failure or non-performance or improper performance of the contracts. Under the policy the insurance company, being the surety of the contractor in this context, undertakes to pay to the contractor upon first demand any such amount, as the contractor shall require, not exceeding the full contract value.

Advance Payment Bond (APB)

This aspect of the bond insurance is issued only to cover the advance payment given to the contractor as against the full contract value. Most contract agreements require that mobilization or advance payment for certain percentage of the full contract value be given to the contractor and upon satisfactory completion, the balance amount is paid. The advance payment bond guarantees the amount so advanced for the contractor in the event of failure on the paid of the contractor.

MONEY INSURANCE

Money Insurance covers several types of money including cash, notes, cheques or even securities. Your Money Insurance policy can cover everything from cash placed in a safe to cheques lost in transit.

What You Get

MONEY INSURANCE

Many businesses carry significant amounts of money to ensure they meet the needs of their clients or simply as a means to conduct day to day business. However, unlike the money that you would place in a bank, cash inherently is less secure and presents certain perils such as theft, loss or risks presented during transit.
Money Insurance covers against these risks, by providing you a secure backing for the money employed by your business to serve your clients. Money Insurance covers several types of money including cash, notes, cheques or even securities.
Your Money Insurance policy can cover everything from cash placed in a safe to cheques lost in transit.

THE POLICY

While the fire policy caters for loss/damage to assets resulting from fire and the burglary policy, loss/damage resulting from theft, one vital exclusion on both policies is that loss/damage to money (and similar items such as stamps, bullion e.t.c) is not covered.  Loss/damage to money resulting from fortuitous events (which are usually described by the policy schedule) is the province of what is known as a money insurance policy.

As mentioned, the circumstances in which loss/destruction of money are covered are usually spelt out in specific policy schedules, but generally speaking these would include whilst money is in transit, on your premise during working hours or in securely locked safe outside working hours.  Most money policies are also usually extended to cover loss while money is in the personal custody of designated officials of the insured. 

In addition, the proposed policy will provide limited fidelity (dishonesty of staff) cover provided the loss is discovered within a specified period of time, usually seven days. As with other property policies, there are various extension clauses that may be added to enhance cover provided by the basic policy at little or no extra cost.  In our own proposal for your institution, we intend incorporating such beneficial clauses as:

–           The riot and strike extension clause

–           Damage to safe extension clause

These would be discussed further during subsequent meetings with you. 

To enable insurers assess your own exposure accurately, we require the under-noted details:

  • The estimated amount of money you envisage would be carried within a given year.  This would depend on the volume of cash transactions you are likely to be involved in during the year.
  • The maximum amount of money you normally carry during a given Transit. 
  • The maximum amount of money you are likely to hold in safe during and after working hours as well as the make, type and value of the safes.
  • The maximum amount of money you are likely to keep on your premises (not in the safe(s) during working hours.
Do I need Money Insurance?

Operating with cheques and cash is a frequent occurrence in day-to-business, by adopting a Money Insurance policy you are ensuring that your bottom line is secure.
Almost every company in the Nigeria still conducts a portion of their business with cash, and ensuring that these assets are safe and secure will ensure your company and its future is protected.

MACHINERY BREAKDOWN

Machinery Breakdown insures your equipment/machinery and protects it against loss or damage due to electrical or mechanical breakdown. Machinery Breakdown Insurance at its core protects your business by ensuring that the unplanned breakdown of machinery does not affect your bottom line.

What You Get

MACHINERY BREAKDOWN

This policy will cover unforeseen and sudden damage to the insured machinery arising from such causes as:-

 

  • Faulty materials, design, construction or erection, vibration maladjustment, mal-alignment ;
  • Defective lubrication, loosening of parts, abnormal stress, self-heating centrifugal force, molecular fatigue.
  • Excessive electrical pressure whether due to atmospheric electricity or otherwise,
  • Failure of insulation, short circuit, open circuits or arcing,
  • Failure of connected machinery or protective devices,
  • Storm and tempest, obstruction or the entry of foreign bodies,
  • Lack of skill, carelessness or malice of persons whether in the insured’s employment or not,
  • Falling, impact, collision and the like, and other cause not specifically excluded by the policy.  

 

LOSS OF PROFITS (MACHINERY BREAKDOWN) INSURANCE

This policy covers (during the Indemnity Period):-

  1. Loss of gross profit
  2. Extra costs incurred to prevent or minimise a loss of gross profit

Due to interruption of the business caused by an “accident” to machinery

Do I need Machinery Breakdown Insurance Cover?

Machinery Breakdown Insurance is not required by law, but it is widely accepted as an industry standard. For many businesses, their machinery represents one of their most valuable assets with machines being valued in the millions.
Ensuring your investment is safe cannot be overstated, moreover ensuring that your company does not have to re-invest significant amounts in new machinery could be crucial to your company’s bottom line.
Machinery Breakdown Insurance can also be extended to an “all risks” cover, wherein all possible risks are insured unless specifically excluded.
For more information on Machinery Breakdown Insurance, feel free to get in touch

PRODUCT LIABILITY

The policy covers you against legal liability that you may incur from sale of goods, for injury to third parties or damage to third party property arising therefrom.

What You Get

PRODUCT LIABILITY

Product liability insurance, also known as general liability is usually included as part of a public liability insurance policy. It is designed for professionals who supply products to their customers or to members of the public.
 
Product liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs.

COMPUTER/ELECTRONICS

The policy covers loss of or damage to the insured appliances/equipments such as computers together with auxiliary and air-conditioning equipments, from accidental causes while situated within the specified premises. Cover under this policy is on “All Risks” basis, covering loss/damage from external or internal causes, subject to policy exceptions. The perils covered includes, fire, malicious damage, theft and damage done by thieves.

CONSEQUENTIAL LOSS COVER
  • Loss of revenue or additional expenditures e.g. extra costs of using alternative computer facilities.
  • Costs of recompiling data · Electronic/Electrical Appliances

 

Accident covered : As per material damage policy

Indemnity period : To be selected in accordance with the maximum repair/replacement period

Time exclusion :    To avoid minor stoppage, at the initial period following the accident will be excluded

 

Do I need Product Liability Insurance?

Product liability insurance is recommended for any business that supplies products. Even with products that appear entirely safe, there’s always the potential for something to go wrong – and accidents do happen. Claims of personal injury or property damage arising from product use (or product failure) can be incredibly expensive, and even if you’re not at fault, you may still incur considerable legal costs while defending yourself.
 
Product liability insurance safeguards your business by providing cover against such claims, including legal defence costs. So you can confidently go about your work, knowing that your protected if something goes wrong.

Cover all the essentials*
 
It’s important to choose a product liability insurance policy that protects your business in case you supply a product that malfunctions, fails or causes harm.
 
With our product liability insurance products, you can be confident that you’re protected against a wide range of scenarios, such as:
 
•       Damage caused by software that you supply
•       Injury caused by equipment that you supply
•       Illness caused by food, beverages or vitamins that you supply

PUBLIC LIABILITY

The policy covers you against legal liability that you may incur in everyday business activities, for injury to third parties or damage to their property.

What You Get

PUBLIC LIABILITY INSURANCE

Public liability insurance is designed for professionals who interact with customers or members of the public. It protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.
 
In real terms, this means that if someone is injured or their property is damaged while you’re providing a service, they may take legal action against you to recover their losses. Public liability insurance is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs. It covers incidents that occur in your workplace, as well as incidents at other locations.

Do I need Public Liability Insurance?

Public liability insurance is recommended for any business that interacts in public places. In every line of work, there’s always the potential for something to go wrong – and accidents do happen.
 
Claims of personal injury or property damage can be incredibly expensive. Even if you’re not at fault, you may still incur considerable legal costs while defending yourself.
 
Public liability insurance safeguards your business by providing cover against such claims, including legal defence costs. So you can confidently go about your work, knowing you’re protected if something goes wrong.

Cover all the essentials*
 
It’s important to choose a public liability insurance policy that covers your business and your staff (including directors, partners and employees) while they are acting within the scope of their duties.
 
With a public liability insurance policy, you can confidently protect your business against a wide range of circumstances, including injuries caused by slips or falls on your premises.

Frequently Asked Questions

WHAT IS EX-GRATIA PAYMENT?

Ex-gratia payment is a special payment the insurer makes when there is no liability to do so. An Insurer makes an ex-gratia payment to protect its reputation and for future commercial purposes.

WHAT IS POLICY EXCESS?

Policy excess is the contributory amount an insured pays when making a claim. It is a proportion of the claim which the insured would bear while the insurer will settle the balance.

DO INSURANCE COMPANIES AND INSURANCE BROKERS GIVE LOANS TO CUSTOMER?

Insurance Companies and Insurance Brokers do not give loan, but they give what is called a No Claim Discount and it is usually applied on motor policy. If a client does not make a claim for a period of one year, a no claim discount of 20% will be given and by so doing it will reduce the premium a client will pay the following year. 

Steps to take after getting involved in a car accident
• Always stop and check that there are no injuries on passengers of the vehicles involved in the accident
• Exchange information with the third party drivers involved. Information usually includes name, phone numbers, the Third party Insurance Certificate and policy number if any. Also ensure that you take note of the time and location of the accident.
• Report the accident to the Police
• Report the accident directly to car Insurance Agent (Broker) or the Insurance Company. It may be tempting to avoid reporting to police but that is the standard procedure. Causing a car accident is upsetting but you ought to take responsibility and make the situation as smooth as possible hence the need to have Insurance policy in place.

WHAT TO DO WHEN INVOLVED IN AN ACCIDENT?

Being in a car accident can be devastating at any level and being at-fault driver of a car accident most times does not help the situation. Not only do you have to deal with the damage to your own vehicle but also to that of the third party vehicle.

DO INSURANCE COMPANIES AND INSURANCE BROKERS GIVE LOANS TO CUSTOMER?

Insurance Companies and Insurance Brokers do not give loan, but they give what is called a No Claim Discount and it is usually applied on motor policy. If a client does not make a claim for a period of one year, a no claim discount of 20% will be given and by so doing it will reduce the premium a client will pay the following year.

IF I INSURE MY CAR OR ANY PROPERTY AND I DO NOT MAKE A CLAIM, CAN I GET A REFUND OF MY MONEY?

Insurance is a common pool and the premium you pay is put into the pool. It is only those who suffer a loss that will be paid or indemnified.

Put Your Employees & Business in Good Hands

Get in Touch

M-F|8am-5pm: (09) 2903874 
info@northlink.com.ng

Open Hours

8am – 5pm Week Days

Our Office

15 Jos Street, Area 3, Garki, Abuja, FCT, Nigeria.

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Leading Interior Design Firm.

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Creative Director, Daffodil

From The Blog

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