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All Risks Insurance: Comprehensive protection for your assets
All Risks Insurance provides extensive coverage for loss or damage to your insured property due to unforeseen events except those specifically excluded.
Unlike standard policies, it offers broader protection against risks like theft, fire, and accidental damage, giving you peace of mind in every situation.
Stay Covered, Stay Secure!
All Risks Policy Form
Comprehensive Protection for Your Property - All Risks Insurance Policy.
What is all risk insurance?
All Risk Insurance provides comprehensive coverage against accidental loss or damage to valuable personal or business assets, except for specific exclusions listed in the policy.
What does all risk insurance cover?
- Accidental damage
- Theft or burglary
- Loss during transit
- Fire and natural disasters
- Vandalism
It covers your insured items both inside and outside your premises.
What items can be insured under all risk insurance?
- Jewelry and watches
- Mobile phones and laptops
- Cameras and personal electronics
- Office equipment
- Fine art and collectibles
- Business assets (depending on the policy)
How is all risk insurance different from property insurance?
Property insurance mainly covers fixed assets like buildings and structures, while all risk insurance covers movable and portable items, often wherever they are — not just at a fixed location.
Does all risk insurance cover loss anywhere in Nigeria?
Yes, coverage generally applies across Nigeria and sometimes even extends internationally, depending on your policy terms.
How much does all risk insurance cost?
The premium depends on the value of the items insured, the nature of the items, the level of risk, and the geographic coverage you choose.
Are there any exclusions in all risk insurance?
Yes. Common exclusions include:
- Wear and tear or gradual deterioration
- Mechanical or electrical breakdown
- War and nuclear risks
- Fraudulent acts by the insured
How do I file a claim under all risk insurance?
- Notify your agent immediately after the loss or damage occurs
- Provide supporting documents like purchase receipts, photographs, or police reports (in case of theft).
- Complete the claims form provided by the insurer.
Can businesses buy all risk insurance?
Yes, businesses often use all risk insurance to protect valuable mobile equipment, tools, or specialised assets that are frequently moved or used outside their primary location.
Can I cover newly acquired items under my existing all risk insurance policy?
Yes, but you must inform your insurer immediately to update your policy and pay any additional premium if necessary.
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