Is your building
compliant?
The law changed
An uninsured building is now a liability you carry alone.
Under the Lagos Building Insurance Scheme, cover is compulsory for every building owner. Without a valid policy, the cost of a fire, collapse or injury falls entirely on you, and so does the penalty.
Up to ₦5M
Regulatory penalty
Owners of non-compliant buildings face fines of up to five million Naira under the scheme.
Sealed
Building can be shut down
Authorities can seal a non-compliant building, halting business and tenancy until cover is in place.
100%
The loss is yours
Rebuilding after a fire or collapse, and any injury claim from occupiers, lands wholly on the owner.
Compliance is the easy part. Get your building covered today and stay compliant under the Lagos Building Insurance Scheme.
Get covered now →Why the scheme exists
LAGBIS protects building owners, the people inside, and the public. Compliance is the law in Lagos State, and LAGBIS makes it the easy default.
Every building, covered
LAGBIS makes building insurance compulsory across Lagos State. Owners insure the structure; occupiers cover their liability to others.
Backed by Lagos State
The scheme is a Lagos State Government programme, delivered to the public by VEDA through licensed underwriters.
Claims that pay out
Cover is placed with NAICOM-regulated carriers. File a claim, track it, and download your report from one place.
From quote to certificate in one sitting
Everything is in the app: your certificate, claim reports and quotes are all downloadable.
Get a quote
Tell us about your building. We price it against the LAGBIS rate card in minutes.
Get covered
Pay by wallet, card, transfer or USSD. Your certificate is issued and downloadable straight away.
Stay protected
File and track claims, renew on time, and prove compliance with a public verification link.
Learn about the products
Each product line is NAICOM-regulated. The rate is the same across every underwriter.
Fire & Special Perils
Covers your building against fire, explosion, flood, storm and special perils. Compulsory for all building owners in Lagos State under LAGBIS.
Learn more →Occupiers Liability
Covers your legal liability to visitors, tenants and the public. Required for all buildings of four floors or more under LAGBIS.
Learn more →Petrol & Gas Station
Specialised cover for petrol filling stations and LPG outlets, protecting against fire, explosion and environmental liability. Priced on declared asset values.
Learn more →Contractors' All-Risk
Covers works and materials on site from groundwork to handover, plus third-party liability arising from the construction process.
Learn more →Built for everyone the scheme touches
Landlords & building owners
Insure the structure, manage tenants, and prove compliance.
Residential & commercial tenants
Confirm your landlord’s cover and buy Occupiers Liability.
Petrol & gas operators
Specialised cover for fuel and gas station risk.
Contractors
Protect works in progress with Contractors All-Risk.
Be rest assured
Lagos is getting compliant, one building at a time.
Comprehensive
protection against major risks
Instant
online building insurance quotes
Digital
end-to-end insurance experience
online, no paperwork
Questions, answered
Visit help centreLAGBIS applies to building owners across Lagos State. Owners insure the structure under Fire & Special Perils. Occupiers of buildings of four floors or more carry Occupiers Liability.
Enter an address or policy number on the verify page. You get a redacted status card showing whether cover is valid, expired or missing. No account is needed.
Yes. Claims are filed in three steps with photos and supporting documents, then tracked to settlement. You can download a claim report at any time.
Yes. The LAGBIS app manages policies, verification, claims and your wallet from your phone. Download links are in the section above.
Compliance, made the easy default
Verify a building in seconds, or get your own covered today under the Lagos Building Insurance Scheme.