Business insurance

One broker. Your entire business protected.

From staff devices to your building, company vehicles to employee welfare — all in one monthly invoice.

Insure our devices Get motor cover

Lagos SMEs

Trusted by

6 insurers

Comparison network

72hr

Claims SLA

Business insurance products

Cover every business risk from fleet and workplace incidents to property loss, liability and employee benefits.

📱

Electronic Fleet

Protect staff devices, laptops and tablets in one insurance program for your team.

🚛

Motor Fleet

Cover cars, vans and trucks used by your company with flexible fleet options.

👥

Group Life

Offer employees life protection and payout benefits for death or permanent disability.

🏥

Group Health / HMO

Give staff access to hospital care, outpatient networks and wellness support.

🛠️

Workmen's Compensation

Meet NSITF compliance and protect employees from workplace injury liabilities.

🚨

Group Personal Accident

Cover staff for accidental injury, disability and emergency medical costs.

🔥

Fire & Special Perils

Protect your offices, warehouses and stock from fire, flood and explosion risks.

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Burglary & Theft

Insure cash, inventory and premises against theft and forced entry losses.

📉

Consequential Loss

Recover lost profits after insured events that interrupt business operations.

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Money Insurance

Cover cash in transit, cash on premises and employee theft losses.

🧾

Fidelity Guarantee

Protect your business from dishonest staff, fraud and financial loss.

⚖️

Public Liability

Cover claims from third parties for injury or property damage on your premises.

SME bundle

Protect your whole business

Bundle devices, motor, fire and workmen's compensation cover for your SME and save 15% on the combined premium.

Devices

Motor

Fire

Workmen's

WhatsApp quote Get a quote

How it works for business

Coverage built for SMEs with fast decisions, tailored quotes, and claims support for teams.

Step 1

Share your business details

Tell us about your staff size, fleet and premises so we can compare the right insurers.

Step 2

We compare business plans

Cova matches your risk profile to group life, health, fire, motor and other SME products.

Step 3

Buy on one invoice

One monthly invoice covers multiple policies, with a single handler for renewals and claims.

Step 4

Claims managed on WhatsApp

Report losses with photos and messages; your claims handler coordinates the insurer and repairs.

Business insurance FAQ

Common SME questions about group cover, compliance and asset protection.

How do I enroll employees in group health?

We gather employee data once, then issue a group plan with a single renewal date. Your handler helps you add staff and confirm eligible hospitals.

Does workmen's compensation meet NSITF requirements?

Yes. Our workmen's compensation plans satisfy NSITF guidelines and help your business comply with labour regulations.

How is a fleet policy managed?

Fleet cover is issued to the company, and we manage vehicle additions, renewals and claims through one account with your Cova handler.

What is the indemnity period for consequential loss?

Consequential loss typically covers business interruption for a fixed indemnity period, usually 12 months from the date of an insured event.

Do I need a staff list for fidelity guarantee?

Yes. Fidelity guarantee requires a list of covered employees so the policy can protect against dishonest acts by named staff members.