Business insurance for SMEs in Nigeria

For a small business, one fire, theft or damaged shipment can wipe out months of profit. The right cover keeps a bad day from becoming the end of the business.

What SMEs usually need

• Fire and special perils for the premises, fittings and stock
• Burglary for theft from the shop or warehouse
• Electronic equipment all-risks for laptops, POS devices and tools
• Marine cargo if you import or move goods
• Motor for delivery vehicles

One site, one policy

If you run a shop, an office or a warehouse, you can insure the site and its contents as a single policy: one schedule, one renewal date, one document, with each item covered for its own value. Add a new item later and it can join the same policy at a prorated premium.

Why the best cover starts with an inventory

Underwriters price on what you own and what it is worth. A clear asset register, your stock and equipment, logged with values, gets you an accurate quote and a claim that pays in full. VaultCova builds that register for you: describe items to Cova, or import a spreadsheet, and it structures the lot.

Grow into it

Log everything free to see your exposure across every location, then insure what matters, when you are ready. As you add stock and sites, your cover and your schedule keep pace.