Occupiers’ Liability Insurance

Occupiers’ Liability Insurance provides cover to all building owners or occupiers for the benefit of third parties, especially buildings that are accessible to members of the public, in the event of the following perils;

• Collapse
• Storm
• Fire
• Flood
• Earthquake

This insurance policy further covers the legal liabilities of an owner or occupier of premises in respect of loss of or damage to property or bodily injury or death suffered by any user of the premises and third parties.

Nigeria’s Insurance Act makes Occupiers Liability a form of compulsory insurance among others.