Comprehensive protection for your buildings, stock, plant, machinery, and fixtures against fire, lightning, storm, flood, earthquake, and impact damage — safeguarding everything you've built.
Fire and Special Perils Insurance protects property and assets from fire and a range of specified risks — giving property owners, businesses and institutions the confidence that their most valuable physical assets are fully covered.
Whether it is a commercial building, an industrial warehouse, or stock in trade — Prestige Assurance backs your property with extensive treaty support and swift claims settlement.
The policy provides protection against fire and a comprehensive range of specified allied perils, giving you complete peace of mind for your property and assets.
Direct physical loss or damage caused by fire, including accidental ignition and spread of flames to insured property.
Loss or damage directly caused by a lightning strike to the insured property or its contents.
Covers explosion of domestic boilers and gas used for domestic purposes within the insured premises.
Physical damage caused by violent winds, storms, or cyclones, including roof damage and structural harm.
Damage arising from flooding, overflow of natural water bodies, or accumulation of rainwater on the premises.
Physical damage caused by seismic activity, earth tremors, or ground movement affecting the insured property.
Covers loss caused by physical impact from road vehicles, aircraft, or falling trees on the insured property.
Damage resulting from the bursting, overflowing, or leaking of water tanks, pipes, and associated apparatus.
Loss or damage caused by willful acts of malicious parties, available as an extension to the standard cover.
Our policy can be tailored to cover the following categories of property against fire and all specified allied perils.
over 74 years of trusted insurance expertise, backed by world-class reinsurance capacity and a commitment to swift, fair claims settlement.
Every fire policy is backed by our extensive network of local and international reinsurers — ensuring capacity for even the largest risks.
Our dedicated claims team acts promptly, minimising business disruption and getting your recovery underway as quickly as possible.
Policies are customised to your specific property type, business sector, and risk profile — no one-size-fits-all approach.
Fully authorised by the National Insurance Commission (NAICOM) — your policy is backed by a regulated insurer with a 74-year track record.
With branch offices across Nigeria, we are always close to our clients — for policy issuance, risk surveys, and claims inspection.
Our experienced underwriters and risk advisors work with you to identify exposure, recommend the right coverage, and review annually.
Fire and special perils can strike without warning. Protect your property, your business, and your livelihood with a Prestige Fire & Special Perils policy today.