₦airaland Forum

Public Liability (PL) insurance covers your legal liability for _accidental injury or property damage to third parties_ arising from your premises or operations. The key word is *legal liability* – not automatic “no-fault” cover.
The water tank falls on tenant’s car:*
Situation Does PL respond? Why
**Tank collapsed due to poor maintenance, rusted brackets, negligence** **Yes** Landlord breached duty of care to maintain the building. Legally liable for tenant’s property damage
**Tank fell due to extreme storm/act of God, properly installed & maintained** **No** No negligence = no legal liability. Tenant claims on their own motor insurance instead
**Landlord hired faulty contractor to install tank** **Yes, then subrogation** PL pays tenant, then insurer may recover from negligent contractor


*Important conditions:*
1. *Negligence must be established* – tenant/insurer has to prove the landlord failed to take reasonable care.
2. *Third-party property* – the car must belong to the tenant, not the landlord. Damage to your own property isn’t covered by PL.
3. *Occurrence basis* – policy must be active when the incident happened.
4. *Exclusions check* – some PL policies exclude damage to property “in your custody/control”. A tenant’s car parked on premises is usually _not_ in landlord’s custody, so it’s covered.

*What the tenant should do:*
1. Document damage + cause, get photos of tank and car.
2. Notify landlord immediately.
3. Claim first on their comprehensive motor insurance – it’s faster. Their motor insurer can then recover from the landlord’s PL insurer if negligence is clear.

*Under NIIRA 2025:* No direct change to PL mechanics, but the Act strengthens compulsory insurance enforcement and consumer protection. Landlords of “public buildings” now face stricter penalties if uninsured.

So PL can pay, but only if you were at fault. No negligence = no payout.

NB: The tenant should sue the landlord for poor maintenance but if landlord get public liability insurance, congratulations to him IF not, he can be penalized by the government cos public building is one of three compulsory insurance by NIIRA 2025.

I'M A PROFESSIONAL INSURANCE BROKER...feel free to consult me for any insurance FREE OF CHARGE

SamuelLoch:
If he had comprehensive insurance, it would have been easier on him, but for him to ask about suing his landlord, he probably does not.

Sadly, a huge loss and stress to his pockets!

Napep to my house before was N200,Now it's 400 (Though treckable)

Thank God I just bought my bicycle. Na to find somewhere dey park am. Though I've insured it comprehensively against unforseen circumstances.

Tinubu has opened our eyes

Thank God there's comprehensive insurance on it. Just checked .. DM for professional advice on any type of insurance

Adetona28:
Driver escapes death as 40ft container falls on car in Lagos


https://www.youtube.com/watch?v=w4OrNJn8zdI

A yet-to-be-identified driver luckily escaped death on Monday morning when a 40-foot-laden container fell onto a Toyota Camry, with registration number LSR 293 HJ, at Mile 2, en route to Apapa Ports, Lagos.

Fortunately, the driver of the car was rescued by the prompt intervention and coordinated response of (LASTMA) and other emergency services, including the Federal Road Safety Corps (FRSC) and the Lagos State Emergency Management Agency (LASEMA).
The victim received immediate medical attention after being rushed to the hospital by the joint rescue team.

Security during the operation was effectively maintained by officers from the Kirikiri Police Division, who ensured a secure and orderly environment for the emergency responders.
Following the rescue, the Toyota Camry was successfully removed from beneath the container.

Funny enough, you bought this expensive car and no comprehensive insurance on it. Some people can take risk Sha...Anyways, slide into my DM for insurance.. I'm an insurance brokers.
Thanks

There are different Agricultural insurance policy. Legit!

LocalFARMERS:
None. The only insurance is that, if you collect a loan facility from Government to farm and you encounter this. Government will not ask you to refund the loan.

Babangidapikin:
do we have insurance policy for farmers in Nigeria

Yes, there is . I can assist you.

And finally.... Freedom at last

I wish to advice but I'm still a virgin.

Insurance does not cover wear and tear, mechanical fault.... Insurance is a live subject.... I'm a professional insurance broker

chatinent:
Until you get car problem, you will not realise that the insurance paid for in Nigeria does not work.

I disagree Sir/ma, insurance is not a scam when you have a good insurance professional like me (I'm an insurance brokers).

I've assisted so many to solve their genuine claim.08029012147... more details

rajiedreez:
No vex, insurance in Nigeria is another scam and money laundering avenue people don't know about

....

Bro, there are various benefits if you insure your car or any property and a claim will be paid adequately.

I'm an insurance professional.

My advice is to get comprehensive insurance and not third party.

Though comprehensive is a bit costly cos it will covers :any damage to ur car,theft,fire,3rd party property damage up to 3m,passengers, medical expenses to 3rd party,death to third party (unlimited but reasonable)Strike riot and civil commotion,flood

But,

Third party only covers other people's property or vehicle up to 3m and not cover you AT ALL...


08029012147 for more info


Thank you.

.[quote author=Bullfallo post=13125414thanks but what is this insurance all about? What are the benefits to motorist in Nigeria if it can cost that much every Year? Thanks.


Many Nigerians believe there are no benefits. Reason why the fake are so rampant. The only reason I would want to do the original is just to remove that name that is there.

Thanks.[/quote]

KEEP QUIET MADAM... WARNING BY 🔒 NG HIM UP?

Verokeena:
It was more of a warning to him.. I didn't neglect him there.. he had access to his phone.. even though as first he wasn't taking my call but I kept texting him..

Now the thing is he was supposed to come out the next day but he refused. Said since I placed him there he'd wish to die there(emotional blackmail if you ask me)

I had to go with his friends to beg him the next day..

I'm not sorry to say this, "YOU DON'T HAVE RESPECT FOR YOUR WIFE".....I ACCEPT ALL HIS WRONG DOINGS, THAT'S HIS PRESENT MENTALITY. HE NEEDED YOUR FULL SUPPORT AT THIS POINT.



HE MIGHT FORGIVE YOU BUT WILL MEVER BE ERASED IN HIS MEMORY..


ALSO, YOU JUST PASSED A STRONG MESSAGE TO YOUR DAUGHTER IN THE FUTURE.


I RISE!!!

Verokeena:
I have never ever nortured such thought.. I have endured countless insults and provocations..

What else could I have done.. ? Like I said I regret my actions but I just wished he had never touched me or raising his hands to the kids.. saying he doesn't even know if the kids were his.. since he lost his job it has been one issue to another.. but I try to see through his eyes .. to understand what he is going through..

I do not have excuse for my actions.. I just need a solution

Thanks for your contributions anyways

Why calling certificate such name? The fact that it doesn't work for you doesn't mean a negative things to all.

TradingGod:
Congratulations but don't put all your hope in that useless thing called certificate because that useless thing called certificate has made alot of youth to be absolutely useless to the society

A BIG CONGRATULATIONS TO YOU MY BROTHER. THOUGH I DON'T HAVE A CAR YET BUT I KNOW A LITTLE ABOUT CARS BASED ON MAINTENANCE. I STRONGLY ADVICE YOU GO FOR TOYOTA PRODUCT. REASON: YOU CAN EASILY SEE THE PART ANYWHERE. ALSO IT'S FUEL ECONOMICAL.


*MOST IMPORTANTLY*
YOU SHOULD TAKE UP A COMPREHENSIVE INSURANCE WHICH IS MY CORE PROFESSIONAL.

I STRONGLY BELIEVE YOU MUST VALUE THE CAR, (INSURE WHAT YOU VALUE).

I'M A PROFESSIONAL INSURANCE BROKERS.

PLS, DO NOT HESITATE TO PATRONISE ME WHEN PURCHASED... 08029012147.... free technical advice await you.


ONCE AGAIN, CONGRATULATIONS

Germanhunter:
And I will like to go see any car with car scanners here on nairaland ..if you do such please message me or quote me ….even if a pin is missing or wrong , I will like to know, doesn’t mean I am looking for too much but at least I want to know what I will be dealing with
Thanks

WHY THIS BIG LIE? NOT BLUE RAIL.... IT'S A TRUCK CONVEYING DIESEL...... it's very closer to my office.... Stop spreading rumour.... Fed.fire serv. did the needful...no life was lost

DON'T RESIGN UNTIL YOU HAVE BEEN GIVEN THE OFFER LETTER...., THEY HAVE ALSO DEPICTS THEIR TRAIT WHEN YOU RESUME. THEY WILL MANIPULATE YOUR EMPLOYMENT STATUS AS WELL.... THIS HAPPENS TO ME NOT QUITE LONG.... thank me later

OLDesign1:
Hello nairalander


Presently I'm working with a company as warehouse officer, we work Monday till Saturday including public holidays. I have worked for about 7months with this company...

While working for this company, I have been applying for jobs with high pays and luckily, I got an invite from a skin care production company as an inventory manager, which I went for the interview and I did very well.

The next day, they called me that im really qualify for the job and they will like me to resume with them quickly..


Mind you, im yet to resign from this said company I'm working it, and when you want to resign you must give them three weeks notice..


This new company pay is ok and it's more closer than this place I'm working and the working days is ok too... Working days is just only Tuesday- Saturday..


Now the problem I'm having with them is that, the lady that called me (don't know if she is the hr ) Said I will b on probation for 2months and I will b paid 70% of my salary that after probation, if I meet up with what the company want, that when I will be paid my full salary and given offer letter...

Which I didn't really buy that idea because where I'm working presently, I was given offer letter before I resumed and all this was stated ( probation period and salary)and I wasn't paid 70% of my salary.. but after my probation for Three months, 5k was added to my salary anyway

NB: ( this new place is just 15k higher than this place I'm working )

But I told the lady that I will only resume if I will been given an offer letter which we didn't concluded better on phone.. but I informed the lady I will resume on Tuesday next week... Because she said I should come and talk to the person in charge..


Now I HV made my decision which I'm yet to tell them.. my decision is that... Untill I received an offer letter, dat when I will resign here and resume with them properly and I won't accept the 70% of the salary either 90percent or I should be paid in full... Because this position I'm applying for I already have over 2yrs experience.


Now the question, is it better I tell them my decision when I resume there on Tuesday since I will be talking to the person in charge or I should just sent the lady my decision via email, so as to communicate with the management and let me know their decision...

Which do you think is best to do..

The lady sent me this as written in the company hard book...

Though the salary I will be paid is above 65k

Approach them and explain all circumstances, but you need to defend all you attractiveness on your CV....

chenny360:
So I applied for a Teaching Job online via the school website in ondo city. Luckily for me I was sent a text messages today to come for the interview on Monday 23rd of January with my credentials and dress corporately when coming. I never expected I'll be invited for an interview though. Although I sent an attractive CV and cover letter

But the problem right now is my final NYSC clearance is next month February and I'm in bayelsa state like this. Although I and my immediate family based in ondo city few kilometres away from the College.. ..

What should I do please.. I don't know where else to run to for advice please help me..
. Note I have always wanted to work in that institution. But never thought I'll be invited early.
I'm reading all comment..

Insurance really works in Nigeria if you go by the terms and conditions of the policy. You can only be compensated if you have comprehensive insurance covering both of you. Insurance pay without stress if you use an insurance broker. The deductibles only comes in if you don't request for it at the inception of the policy. All my existing client policy always comes with excess free....


Pertaining to intentional fraud, live that to the loss adjuster to detect... Left for their competency....


Don't forget, I'm a claim and underwriting specialist with top 5 insurance brokers in Nigeria..... Feel free: 08029012147

babzo:
Wow. So Insurance really works in Nigeria.
As in is there full coverage ( comprehensive Insurance) where if you hit someones car or they hit yours, Insurance will pay without stress?
What is the average deductible?
Do some people do Insurance fraud like , do accident on purpose?

This is commendable. But, I must advice to always go for auto-base insurance from either LEADWAY,NEM or linkage assurance in order to get cover for any own damage up to a specific amount like 500k aside the 1m limit on the third party...

Once again, most people don't believe in insurance in Nigeria when they don't approach a professional insurance broker. They go direct to the insurance company.

You received a policy document without reading the policy wordings and in the event of claim you are knocked off by exceptions in the policy. The next you hear is, "insurance na scam"...

Any way, should in case you have any unsettled claim,feel free to contact me for assistance in any insurance related issues...


I'm a claim & underwriting specialist..


08029012147...

Don't forget, I work with top5 insurance brokers in NIG....


*INSURANCE IS NOT A SCAM*

Insurance is what you buy when you don't need it sir... Not all insurance are expensive if you approach an insurance broker like me... 08029012147 and thank me later...

LOVEGINO:
na who chop belleful dey do dis one.

You are absolutely correct but let me tell you this, just 40% believes insurance works in Nigeria... I'm an insurance broker by professional. It took me 1 year to tell my friend the importance of insurance, low and behold his car was damaged during the END SARS period, my guy just sent video and pictures..... I told him, don't worry yourself, go and sleep and live the rest to me.... He was compensated after 2 weeks of documentation.

yinchar:
The Nigerian insurance sector is still underdeveloped - it should be booming like the banking sector.

If instruments like the BVN, NIN is available to all, then it should be enforced and compulsory you can’t drive a car without having an insurance.

These are policy that stimulates the economy.

Not only car insurance, there are Health insurance, home loan insurance, etc

This really got me thinking each of this event happened...

Do you know you can get your vehicle covered with just 2.5% of the value of your car? And will cover:

Strike riot & civil commotion,
Third party property damages
Flood extension,
Fire and theft,
Medical expenses- unlimited but reasonable,
Death: Unlimited,
Extra towing fee.

Third party is not the best.

Get in touch with the top ten insurance brokers in Nigeria today.

Prompt Claim handling speaks for us!!!.

A trial will convince you today.

I'm ready to assist in all aspect of your claim.

Olabode Ibrahim (08029012147/08139088848).


We also deal with all other classes of insurance.

NwekeUG:
Many cars were submerged in water following the heavy downpour witnessed in Lagos state today July 16.

The areas that were most affected were in Lagos Island.

See video below.


https://www.youtube.com/watch?v=J-kW17fs5wE

You don't need to panic when you have comprehensive insurance in place...Contact me for shikkinni money... I'm an insurance brokers to the core....08029012147...

JAWBONE:
Toyota, this is unacceptable!

I bought a new Toyota Corolla 2013 (South Africa) back in 2015. I have since been driving it without issues. However, something mysterious happened on the 3rd of June, 2020.

Thread.

On the day before (2nd of June), I returned home around 7:30pm, and parked the car without any issue. To my utter shock, my neighbours woke me up around 7:00am the following day (3rd June) to inform me that my car was on fire.

It sounded like a joke; for a car parked twelve hours ago to catch fire all by itself. "This has to be a sabotage", I whispered to myself before I quickly got dressed and went to check, and alas, she was on fire!

But my very good neighbours were already ensued in a fight with the fire, and the only thing I did was to open the car for them to finish the last flame with their extinguishers. I'm deeply grateful to their good neighbourliness.

When the emergency was dealt with, I began to search for answers to this mystery, and what I learned was more shocking than the mystery.

My mechanic told me that that particular version (2012-13, South Africa) of Toyota Corolla had a flawed breaking system design, which caused it to catch fire by itself, even if the car was off for a long time.

Not entirely convinced, I called another mechanic for a second opinion, who drove me to his workshop, where he showed me another burnt Toyota Corolla like mine, and told me the same thing happened to her.

He also told me about another one that caught fire in the middle of the night, which eventually burnt another vehicle and an adjoining building. He said "Oga, all countries rejected this car, but Nigeria allowed it. It is sad".
He told me many people were changing the breaking system to American version of the same car.

I have decided to put this here so that others don't become victims of this professional negligence by Toyota, and regulatory failure by Nigeria.

I also want to put this here so that our government will understand the cost of not having an efficient regulatory system for quality and standards.
I also want this here so that Toyota's brand will pay for their design error, they way we paid with our resources (and probably, our lives). This type of error should not be allowed to happen again.

https://mobile.twitter.com/_abba_g/status/1268982247702646784

God bless you!!! The best advice is to go through a registered broker...we have an embedded broking slip in which insurer must follow strictly...for more info....08029012147

Semab:
Good day house, I have been reading alot of argument about insurance polices and claim payment. I will like to chip in this 2 information that is very key to buying insurance policies.
1. You can either buy your a insurance policies through a registered insurance brokers; Reason is that they serve as an intermediary between you(insured) and the insurer(insurance companies) so they know which company is good and pay claims promptly(most of those marketers are driven by Target and they will not tell you the company they are working with is having challenges). They also help you to pursue your claims and make sure it is paid incase of any eventuality with no cost
2. If you are buying your policy without a broker aside your insurance certificate ask for the insurace policy document, read through and make sure you understand the terms and clauses ( all these clauses and terms comes to play during payment of claims.i.e reductions on figures presented for claims)

I'm a broker...3%..it will fly plus other juicy benefit..08029012147

nams77:
3% of 1.5M. Without excess buy back.
That should be 45k.

I can give you 3% including EBB ...NO STORY DURING CLAIM...

cRobo:
4% of 1.5 m

I will give you 3% including excess buy back ,plus authorised repair limit of over 45k....excess buy back is the amount to be deducted in the event of any claim I.e if you do with excess no charges...

Yohh:
Like 2million naira.

Yes, I'm available...08029012147.//

bobbiiee:
Always engage a good insurance broker. It won't change the cost. The broker acts on your behalf when there is issue.

You can Holla at me now

Kendroid:
Alright, thanks!

What's the value sir?

Yohh:
Like how much does it cost to insure a corolla 2005?

These are the clauses insurance companies insert into the policy document...e.g BETTERMENT CLAUSE, AUTO GARAGE CLAUSE,SOME WILL NOT EVEN ADD PERSONAL EFFECT TO ASSIST THE INSURED,AUTHORIZED REPAIR LIMIT...etc....but with the help of an insurance broker, you are very safe...08029012147 or scan your policy document for review olabodeibrahim9@gmail.com...

Kendroid:
Pls can you help state some of such clause(s) in order to widen our knowledge more on this topic!