Combines public liability, property owner's liability, and workers' compensation. Most common for business premises and required under LASBCA 2026.
What it does
Occupiers Liability covers you for legal liability if a visitor, tenant, or member of the public suffers injury or property damage while on your premises.
Who it is for
Any owner or occupier of a building with four or more floors in Lagos State is legally required to hold Occupiers Liability cover. Commercial landlords and corporate property owners must also hold it.
Why it matters
A visitor who slips in a stairwell, or a structural defect that injures a tenant, can result in substantial damages. OL cover means your insurer handles legal defence costs and any settlement.
Legal requirement
LAGBIS requires Occupiers Liability for all buildings of four floors or more, and all commercial buildings. Premium is calculated from the number of units, floors and plots at set NAICOM rates.
Everything your policy includes, in plain language.
Standard exclusions for this policy.
Answers to common questions about your coverage.
Buildings of four or more floors are legally required to hold Occupiers Liability under LAGBIS. All commercial buildings, and any building open to the public, are also required regardless of floor count.
Yes. Your tenants and their guests are covered for injury that occurs because of the building's condition, structure, or common areas. Cover does not extend to incidents caused by the tenant's own negligence.
If a contractor you hired causes injury or damage, your OL policy provides a defence. You should also require the contractor to hold their own Contractors All-Risk cover.
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