FBN Insurance Brokers Limited Businesses: A Complete Guide

We provide the details information about First Bank Insurance Brokers Limited. This article is a Complete Guide to FBN Insurance Brokers’ business products. So, if it is what you are looking for, you are in the right place keep reading!

Background

FBN Insurance Brokers Limited FBN Holdings Plc which is the highest shareholder owns a 70 percent stake. The Insurance Combine combines expert broking knowledge and capabilities for risk assessment, analysis, and structuring’ FBN Insurance commences operations of the insurance brokerage business on July 1, 2000.

FBN Insurance Brokers Limited is a big name in the Nigerian Insurance industry, they work on a breadth of value-added Risk Management services. The company has a higher reputation, expertise, and great experience in sophisticated/Complex Risk Management, Energy Insurance, Oil and Gas, Reinsurance services operational and corporate alliances with international Brokers on Infrastructural, capabilities, skills, knowledge updates, improved professionalism, and Best Business Practice possible.

FBN Insurance Brokers Limited operates with three branches located in Abuja, Ibadan, Port Harcourt, and in over 700 branches of FirstBank Nigeria Limited.

The vision of the organization is to be the leading provider of Insurance Brokerage services in Nigeria.

With the mission to deliver professional and bespoke risk solutions with optimum returns to stakeholders.

Operating with an effective and sound approach, excellent investor Relations, and good communication with investors, financial analysts, and rating agencies, and seeks to achieve a consistently fair value for FBNHoldings shares through best communication practices transparency, class engagement, and disclosure,

Subsequently, FBN Insurance Brokers is sold to Sanlam General Insurance Nigeria Limited and rebranded to Sanlam Life Insurance Nigeria Limited.

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FBN Insurance Brokers- Property & Asset, Goods & Business, and Personnel Safety

This organization covers a wide range of Products, coverage products include;

  1. FBN Insurance For Property & Asset Products
  2. FBN Insurance For Goods & Business Products
  3. FBN Insurance For Personnel Safety Products

FBN Insurance Brokers Products For Property & Asset Products

  1. Fire & Special Perils Insurance
  2. Auto Insurance
  3. Burglary & Housebreaking Insurance
  4. Engineering Insurance
  5. Computer Insurance
  6. All Risks Insurance
  7. Goods In Transit Insurance
  8. Machinery Breakdown
  9. Contractors All Risk Insurance
  10. Erection All Risk

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1. Fire & Special Perils

FBN Fire & Special Perils Insurance policy is to provide cover for loss or damage resulting from the occurrence of fire and other allied hazards such as flooding, lightning, impact damage, and strike riot.

2. Auto Insurance

FBN IAuto Insurance covers motor vehicles (Private Motor/Commercial Vehicles – Pick Ups, Buses) is compulsory by virtue of the Motor Vehicles (Third Party Insurance) Act 1945.

  1. COMPREHENSIVE: – This covers accidents, fire, and/or theft of the insured vehicles, providing the widest scope of coverage for damage to insured vehicles in addition to any legal liability incurred as a result of damage to third-party property, bodily injury, and/or death. It could be extended to cover riots & strikes, civil commotion, and flood, and typhoon damage.
  2. THIRD PARTY ONLY covers damage resulting from the use of the motor vehicle, and legal liability to third parties including death, bodily injury, or property.
  3. Third-Party Fire & Theft: The insurance will provide financial compensation in the event of loss/damage caused by fire and theft incidents to the vehicle. In addition to the basic third-party exposure coverage.

3. Burglary & Housebreaking Insurance

FBN Burglary & Housebreaking Insurance policy is designed to provide cover for loss or damage sustained through burglary or theft which involves forcible and violent entry or exit.

The burglary insurance policy covers loss or damage sustained through burglary or theft which involves forcible and violent entry or exit (For business) from the premises

It also Covers Removable or Moveable items/assets that are prone to such losses. Coverage could be on a full value basis and/or first loss basis.

4. Engineering Insurance

FBN Engineering Insurance policy covers loss or damage to engineering equipment either in the course of ordinary work or as a consequence of external effects or fire.

It covers loss or damage due to collapse, explosion, and/or any associated perils for, Air-receiver, Boilers, Economisers, Steam Pipes, and air pressure either in the course of usual working or as a result of external effect fire, or other vessels under steam.

5. Computer Insurance

FBN Computer Insurance policy is designed to cover the insured for loss of or damage to computer equipment and/or accessories.

The policy is an “All Risks” designed to cover loss of or damage to the computer equipment and/or accessories resulting from all forms of theft, physical damage, water damage fire, malicious damage, and accidental damage.

6. All Risks Insurance

FBN All risks Insurance provides cover for loss or damage by accident or on the person anywhere in Nigeria or misfortune to any valuables belonging to the Insured or residence.

  • Such items may include:
    Jewelry
  • Cameras/Camcorders
  • Wristwatches, spectacles
  • Telephone equipment
  • Laptops

Extension of Cover

  1. Larceny
  2. All other contents clause
  3. Trust clause
  4. Automatic reinstatement of the sum insured after a loss
  5. Property acquisition – 10% of the total sum insured
  6. Temporary removal
  7. Single article limit – 5% of the total sum insured

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7. Goods In Transit Insurance

FBN Goods in Transit Insurance policy covers insured goods against loss or damage while in transit

The object of this type of insurance is to cover for loss or damage to goods while in transit, the insurers will pay for such loss or damage.

Required information

  • Description of goods to be carried
  • The value of goods to be carried at any one time.
  • The estimated value of goods to be carried in any one year (If an annual coverage)
  • Mode of transit – road, rail, or inland waterways.

8. Machinery Breakdown

FBN Machinery Breakdown Insurance policy covers the machinery against sudden and unforeseen breakdown while the machinery is in operation, installation, maintenance, or within the premises stated in the policy.

Required Information

The policy covers the machinery against re-erected for the purpose of cleaning, inspection, repairs, or installation in another position within the premises or sudden and unforeseen breakdown while the machinery is working, at rest, being dismantled, or moved.

Machinery that can be insured under the policy includes but is not limited to the following:-

  • Transformers
  • Generators
  • Compressors
  • Pumps
  • Boilers
  • Lightning tackle
  • Processing machinery etc.

It also provides insurance cover against material damage as aforesaid, an inspection service by a qualified engineer/surveyor may also be arranged to enable you to comply with the requirement of the factory’s acts.

9. Contractors All Risk Insurance

FBN Contractors, All Risk Insurance provides cover for all risks of loss, destruction damage, of contract works, whether permanent or brief including materials and other things meant for incorporation into the works.

This provides shelter for all risks of damage, loss, or destruction of contract works, whether permanent or brief including materials and other things indicated for incorporation into the works

It also provides cover in consideration of claims originating out of accidents and consequential losses to a third party provided that such accident, injury, damage, or loss results from activities in connection with the performance of the contract.

It could be rendered to cover a specific project or on an open basis where all projects (falling within the earlier agreed limits) are stated prior to the beginning of such projects based on the prior declarations.

Required Information

  • Description of the project
  • Duration/construction period
  • Value of project
    Third-party limit of indemnity required

10. Erection of All Risk

FBN Erection of all risks Insurance covers all risks’ accidental impairment e.g. dropping or different damage during lifting/lowering operations, electrical or mechanical breakdown, or explosion during testing processes (new machinery only).

This covers “All Risks” accidental damage and or loss rendered during construction work or installation of machinery example dropping or further damage during lifting/lowering operations, electrical or mechanical breakdown, or explosion during testing processes (new machinery only).

This coverage can expand to cater for damage to third-party possessions including bodily injuries/death.

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FBN Insurance Brokers Products For Goods & Business

  1. Fidelity Guarantee Insurance
  2. Money Insurance
  3. Business Interruption Insurance
  4. Marine (Cargo) Insurance
  5. Marine (Hull) Insurance
  6. Marine (Motorboat) Insurance
  7. Agricultural Insurance
  8. Special Risks
  9. Bonds Insurance

1. Fidelity Guarantee Insurance

FBN fidelity warranty insurance policy offer protection to an organization against the financial effects of fraudulent deeds by employees for loss of cash, stock, or other items of property.

The fidelity guarantee insurance policy offer protection to an organization against the financial effects of the dishonest act of the employees for loss of cash, stock, or other items of property.

The policy is designed in any of the following ways:-

Named Persons Basis

The names of persons to be guaranteed would be identified in the schedule and the amount of warranty fixed against such names.  The main disadvantage of this approach is that the policy schedule would be updated regularly whenever an employee leaves or joins the company as the case may be and if the update was forgotten, it may result in irrecoverable losses.

Position Basis

Under this approach, the designation or rank of the employee guaranteed is named instead and the amount guaranteed for each rank will have to be specified.

Blanket Basis

The basis provides shelter for all staff without having their names or ranks specified on the schedule and the amount certified is usually stated for any claim arising in any one insurance time.  The approach provides the widest cover and is also the most costly of the three methods.

2. Money Insurance

FBN Money Insurance policy covers loss/damage including money while in transit, on business premises during operating hours, or in a securely locked safely outside operating hours and in the personal custody of designated officials of the insured organization.

The policy covers loss/damage of money resulting from fortuitous occurrences such as armed robbery or holds up for money whilst in transit, on business premises during working hours, or in securely locked safely outside operating hours and in the personal custody of designated officials of the insured organization.

It also has various extension clauses that may be counted to improve cover at small or no additional cost like –  riot and strike extension and damage to safe extension clauses.

Required Information

  • The calculated amount of money to be carried within a given year.
  • The highest amount of money you normally carry during a given transit.
  • The highest money held in the safe during and after working hours as well as the make, type, and value of the safes (where coverage for the safe is needed).
  • The highest amount of money is not in the safe(s) during operating hours.

3. Business Interruption Insurance

FBN Business Interruption Insurance policy is designed to refund a company for the loss of revenue following the happening of a contingent risk guaranteed against the fire policy.

The momentous loss insurance compensates a company for the loss of anticipated revenue following the event of a contingent risk insured against the material damage /fire policy. 

While the fire and unique perils policy will compensate the insured for fire damage to the property, the momentous loss insurance will pay for the loss of anticipated earnings due to the non-operation of the business due to the physical damage to the investments.

Required Information

  • The indemnity period 
  • The projected annual “gross profit” (which should show the Turnover for the preceding year)
  • The projected annual wage roll 
  • The amount to be insured for auditors fees.

4. Marine (Cargo) Insurance

FBN Marine (Cargo) Insurance policy provides a shell for loss/damage to consignments being imported into the government resulting from short receipt, theft, or physical damage as an outcome of insured events.

Apart from the compulsory nature of marine cargo insurance on goods being imported into the government, it is developed along the following lines to cover loss or damage to goods due to maritime risks from the port of shipment to the port of clearance and/or final warehouse of the insured.

The policy can be organized as follows:

COVER 

  1. Institute Cargo Clauses ‘A’
  2. Institute Cargo Clauses ‘B’
  3. Institute Cargo Clauses ‘C’

5. Marine (Hull) Insurance

FBN Marine (Hull) Insurance provides cover for various types of tug Ferries, barges, tug Ferries, cruises, and additional forms of seaborne vessels against loss, damage, liability, or costs occurring from marine risks.

It provides cover for various classes of barges, tugs ferries, cruises, and other forms of sea-borne vessels against liability, loss, damage, or expenses occurring from marine hazards to the insured vessels whilst being used in link with the insured’s business operation, social or pleasure and hire or charter or while being operated to carry goods belonging to others.  

The policy can also provide protection and cover up to the sum insured on each of the vessels within the territorial limit established.

Required Information

  • Type, dimension, age, and value of vessels
  • Trade: cargo carrying and geographical location
  • Type of cover required (whether institute time clauses or institute fishing clauses)

6. Marine (Motorboat) Insurance

FBN Marine (Motorboat) Insurance provides cover for various classes of barges, tug Ferries, cruises, and other forms of seaborne vessels against liability, loss, damage, or expenses occurring from marine hazards.

This insurance covers various types of motor boats, yachts, and other similar vessels against loss, damage, liability, or costs occurring from marine hazards while they are caused in link with the insured’s business operation, social or pleasure and hire or charter while being used to carry goods belonging to others. 

Protection and cover are also available for up to the sum insured by the vessel

Required Information

  • Type, dimension, age, and value of vessels
  • Purpose or use
  • Type of covers and extent of protection and indemnity cover required.

7. Agricultural Insurance

FBN Insurance for agricultural policy provides coverage for livestock, poultry, fishery, and crops against mortality and perils.

A.  LIVESTOCK INSURANCE

FBN Livestock Insurance covers its client in the occurrence of the death of any animal caused by the insured perils which include flood, diseases, fire, lightning, windstorm damage, and accident up to the value of the animal as described in the program.

B.  POULTRY INSURANCE

FBN Poultry Insurance policy will indemnify the insured in the event of:

  1. Mortality of any stock from the farms identified in the policy, resulting from the insured risks.
  2. Losses to stock during the rearing time and egg-laying time and to broilers (except losses arising during the Waiting Period).
  3. The insurance for broilers covers up to the time of harvesting subject to the highest age of 10 weeks.
  4. Insurance for Layers covers up to maximum age of 80 weeks.
  5. Breeders protection offers last up to the highest age of 64 weeks.

EXTENSION

  • Death (by fire or otherwise) to the livestock insured directly caused by the burning whether unplanned or otherwise, of bush, forests, or jungle and the clearing of land by fire (EXCLUDING such clearing by or on behalf of the guaranteed). 

The policy has some exclusions/exceptions, terms, and conditions

C.  FISHERY INSURANCE

FBN FISHERY INSURANCE policy pays the insurer for  (i) DEATH resulting from fire, lightning, hurricane damage, flood, diseases, or accidents, and (ii) COLLAPSE of the fish pond and will cover the Insured estimated expense of production for the fish stock and the cost of building of the Pond(s) up to the sum insured.

Each fish would is Insure on the basis of the cost of exhibit, which starts with the price of a fingerling/seedling including costs of inputs up to the end of the production process or the insurance years.

  1. Table or market size fish: the expense of fingerlings plus assessed production expense up to the end of the production process;
  2. Breeders: the value of fish at the beginning of cover plus assessed production expense for 12 months;
  3. Ponds: assessed value of construction;

The Policy has exclusions/exceptions as well as other terms and conditions

D.   MULTI-PERIL CROP INSURANCE POLICY

FBN Multi-Peril Crop Insurance Policyguarantee the farm, during the time starting from planting to maturity, against the hazards of physical loss or damage to crops directly by the following hazards:

Fire:  Explosion or burning that results in defeat or damage to the insured’s crops.

Lightning:  As an electrical spark released by free electrons in the sky that can lead to the burning and destruction of the farm

Aircraft: Damage by aircraft and other aerial instruments and/or articles tumbled therefrom.

Windstorm Damage:  This is an atmospheric disruption that may or may not follow by rain.

Flood:  This is flooding or variation of water from its normal channels of either natural or artificial courses, bursting or overflowing of water tanks, machines, or pipes.

The outbreak of Pest and Disease:  This means any disease or insect or pest which cannot be avoided or managed despite the adoption of standard disease and/or pest prevention and control efforts which must be carried out to the standards suggested by the local farming industry and to the satisfaction of the appropriate responsible authority.

Extension: 

Bush Fire:  Covers damage to the property directly generated by the burning whether unexpected or otherwise of forests, bush, or jungle, and clearing of land by fire (except where clearing is for the insured).

There are some exclusions/exceptions, terms, and conditions

8. Special Risks

FBN Special risk insurance is a non-traditional or uncommon policy dependent on risk exposures.

Product Information

Special risk insurance is a non-traditional or uncommon policy dependent on risk exposures. We have the experience to market in such insurances.

9. Bonds Insurance

FBN Bond insurance or Financial Guaranty insurance is a type of insurance policy that a bond issuer purchases that guarantees the reimbursement of the principal and all associated stake payments to the bondholders in the occurrence of bankruptcy.

The various bonds which we issue and their features are as follows;

Bid/Tender Bonds:

FBN Insurance organization issues bond to cover bids/tenders for contracts being granted. The Bond is entirely a Guarantee to the Employer that the contractor having presented the attending Bid for the contract in question shall not revoke such bid for any reason if the contract is awarded to him. i.e. he shall accept the contract if granted.

Advance Payment Bond:

FBN Insurance warrant is given to a principal on behalf of the contractor for the advance cost or mobilization to the contractor by the principal for the implementation of the contract entered into by both parties.

Where a share of the contract value is to be given to the contractor to commence work, the insurance bond will allocate against failure to utilize the advance cost/mobilization for the execution of the project

This bond therefore assured that the contractor will use the advance payment for the execution of the job and in the occurrence of his failure to do that the bond will cover the principal to the time of the non-execution of the contract.

Performance Bond

FBN Performance Bond is a guarantee Insurance that blesses the principal on behalf of the contract or verifies that the contractor will execute the contract within the terms of the contract and the bond agrees to cover the principal in the occurrence of non-performance and/or partial performance by the contractor.

Still, the liability of the guarantor is reduced by the extent of the performance of the contractor.

FBN Insurance Brokers Product For Personnel Safety Products

FBN Personnel Safety Insurance Products covers a wide range of protection for your human capital.

  1. Group Personal Accident
  2. Group Life Assurance
  3. Kidnap & Ransom
  4. Public Liability Insurance
  5. Medical & Health Insurance
  6. Professional Indemnity

1. Group Personal Accident

FBN Group Personal Accident Insurance covers accidental bodily injury/death arising from violent, physical means, which shall be independent of any other cause resulting in death, permanent or brief disability, or medical expenses

This class of insurance provides a 24-hour cover for accidental bodily injury/death arising from violent, physical means, which shall be independent of any other cause resulting in death, permanent or temporary disability, or incurring of medical expenses.

Required Information

  • Staff categorization into Admin and Non-Admin
  • Number of employees
  • Estimated annual earnings.
  • For a personal scheme, a lump sum can be decide

2. Group Life Assurance

FBN Insurance policies on Group Life Assurance make provision for Death in-Service benefits to beneficiaries of a deceased employee of an organization or member of an association.

This policy makes provision for Death in-Service benefits to beneficiaries of deceased employees of an organization or members of an association. It is compulsory insurance under the Pension Act 2014 Minimum coverage which requires/ death benefit payable under the scheme is 3x annual emolument (Basic + Housing + Transport).

3. Kidnap & Ransome

FBN Insurance Kidnap and Ransome policies protect individuals and corporations operating in high risks areas in the country. It is a cover policy as it reimburses expenses already incurred by the Insured.

Losses usually catered for by K & R policies are identified below:

  • Ransom payments
  • Loss of ransom in transit
  • Additional expenses – medical expenses, personal accident (death, dismemberment, permanent disablement of a kidnapped person
  • Fees and expenses of a situation management counselor (who provides a guide on how to handle the situation)
  • Kidnap
  • Extortion
  • Wrongful detention
  • Hijacking

Required Information

  • Complete a direct debit form
  • Complete a standing instruction form with your bank
  • Electronic transfer from your account to our account
  • Deposit into our bank account
  • Please include your name and policy number on all payments.

* Please do not pay cash to/through our Financial Advisor or staff.

4. Public Liability Insurance

FBN Insurance policy covers the insured against third-party liability claims for damages. They can expand The policy to include product disadvantage which means repayment for liability connected to goods sold

An organization may bear consequences or account for injury to others or damage to their property as a result of carelessness or other torts. Such liability, if proven, may result in a heavy financial commitment which the institution may find very challenging to pay.

Apart from liability occurring from the profession or function of an organization on its premises, the policy can expand to include product liability which means reimbursement for liability attached to goods sold or consumed.

Generally, the basic public liability policy offers repayment against legal liability incurred from third parties for:

  • Death
  • Injury
  • Property damage arising out of negligence is traceable to the organization or its employees during engagement in the company’s business.

Required Information

  • Preferred limit of indemnity anyone occurrence/insurance period
  • Estimated annual turnover, where you desire to extend the basic policy to include product liability.

5. Medical & Health Insurance

FBN Insurance policy covers medical therapy and costs incurred by employees and relatives anywhere in the world. BUPA International is the biggest health insurer in the globe protecting over 32 million members in over 190 nations.

(A)  BUPA Medical Insurance

Bupa medical plan is a Health Care Insurance that covers medical treatments and expenses incurred by employees and their families. Bupa International is the largest international expatriate healthcare provider covering over 300 nations worldwide.   

Scope of Cover

  1. Flexible health insurance plans that would provide cover for families, individuals, and large and small companies on varying options format. 
  2. Comprehensive health check by competent medical practitioners.
  3. Emergency Evacuation / Air Ambulance / Land Ambulance for members (Emergency).
  4. Repatriation of Remains in the event of death. 

(B)  OracleMed Emergency and Non-Emergency Health Insurance 

Some of FBN OracleMed Products include: 

  1. Silver Premier Option – Worldwide, excluding USA and Canada. 
  2. Silver Africa Option – Cover in Africa only. 
  3. Emergency Evacuation and Resultant Hospitalization Cover.

By joining OracleMed members will benefit from:

  • Emergency medical evacuation
  • 24-hour emergency service and support worldwide when traveling for extended periods of business or pleasure.
  • Emergency medical treatment.
  • Air evacuation with medical treatment to the nearest appropriate facility. 
  • Housing and airfare for accompanying family members.
  • Return by commercial airline to the country home.
  • Mortal Repatriation remains to the insured’s country of citizenship.

Required Information

  1.   Staff Full Name
  2.        Date of Birth 
  3.        Current Country of Residence (if not in Nigeria)
  4.        Country of Origin (if not Nigerian)
  5.        Relationship (i.e. if Applicant or Dependent)

6. Professional Indemnity

This type of FBN insurance covers professional firms or individuals against legal liability towards third parties for injury, loss, or damage occurring from professional carelessness or that of their employees.

This type of insurance covers a professional firm or individual against legal liability towards third parties for injury, loss, or damage arising from a professional negligence error and or omission of their employees. The policy does not cover fraud or dishonest acts of the insured or his employees.

Required Information

  • Turnover income gained in the year by the organization
  • Limit of cover required for any one incident
  • Aggregate limit of indemnity required any one period of insurance
  • Classification of employees and number of staff in each category to be covered

Purchase Interest Form

After reading and understanding the details information about FBN Insurance Brokers Limited, you can now decide on any of the FBN Insurance offers mentioned below:

  1. Agricultural Insurance
  2. All Risks Insurance
  3. Auto Insurance
  4. Bonds Insurance
  5. Burglary & Housebreaking Insurance
  6. Business Interruption Insurance
  7. Computer Insurance
  8. Engineering Insurance
  9. Fidelity Guarantee Insurance
  10. Fire & Special Perils Insurance
  11. Goods in Transit Insurance
  12. Group Life Assurance Group
  13. Personal Accident Householders Insurance
  14. International Health Insurance (BUPA)
  15. Kidnap & Ransome Insurance
  16. Life Insurance
  17. Marine Insurance
  18. Medical & Health Insurance
  19. Money Insurance
  20. Public Liability Insurance
  21. Special Risk Insurance
  22. Travel Insurance And Other

You Can Pay Premium Through The Following Channels:

  • Complete a direct debit form
  • Complete a fixed instruction form with your bank
  • Electronic transfer from your account to FBN Insurance account
  • Deposit into FBN Insurance bank account
  • Include your name and policy number on all payments.

* Please do not pay cash to/through FBN Insurance Financial Advisor or staff.

You Can Contact

FBN Insurance Customer Care

By calling FirstContact on 0700FIRSTCONTACT (0700-34778-2668228), 01-4485500, 0708-062-5000. By emailing FirstContact [email protected].

08024298119

You can contact us via WhatsApp: at 08024298119 and email: at [email protected] for urgent attention and resolution of any issues/inquiries you might have.

Finally

If you are intending or wishing to Insure yourself and your family or company, FBN Insurance Brokers Limited is the ideal Insurance company. It is a reputable Insurance brokerage firm that operates in Nigeria. The company is a subsidiary of FBN Holdings, one of the leading financial institutions in Nigeria.

FBN Insurance Brokers is a reliable and professional insurance brokerage firm, that provides a range of Insurance services to individuals and organizations.

The company is known for its strong reputation for excellent customer service, professionalism, and innovation. The organization has a team of experienced insurance professionals who are knowledgeable about the Insurance industry.

They are committed to delivering Insurance solutions to meet the specific needs of customers.

The company offers a wide range of Insurance services, and its commitment to excellence has earned it numerous awards and recognitions such as;

The 2021 Nigerian Insurance and Pension Awards FBN Insurance for Best Insurance Broking Company of the Year, and the 2020 BusinessDay Award for Best Insurance Broking Company.

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