Occupier’s Liability

A cover designed to protects property owners against legal claims arising from injuries or damages sustained on their premises.

A modern apartment building

Scope of Cover: This policy indemnifies the occupier of a building against his legal liability for death, bodily injury to Third Party, or damage to Third Party properties as a result of:

  • Fire

  • Collapse
  • Storm

  • Flood

  • Earthquake

Subject Matter of Insurance:

All business and office premises (government, corporate, private); All hotels, guest houses and hostels; All residential buildings that are let out in full or in part; All recreational centres, club houses, cinema halls etc; All schools and training institutions; All petrol and Gas stations; and All other buildings where members of the public have ingress or egress as licensee; tenants; lodgers; and for educational medical; business and recreational purposes.

Schedule of Compensation

Specified Annual Limit of Indemnity Amount {₦} Unspecified
Claim under Personal Liability ₦5.0 million As per Court
Claim under Public Liability ₦10.0 million Award
Claim under Property Damage ₦35.0 million
Claim under Employers Liability As provided in WCA

To enable us make a competitive quote;

For your insurance needs, send us an email at e-retail@universalinsuranceplc.com and be assured that we will respond within 10 minutes. You may also fill out the quote form below for a call-back, or call us on 0809 748 9596 or 0201 293 4645. Use our live support for quick response.