Our scope of services includes the following:
- We ensure your insurance is placed with secure & stable insurers.
- We keep you abreast of impacts of market changes to your insurance cover.
- We provide access to a wide range of insurance to cover all aspects of your business with a minimum premium payable.
- We provide independent, professional advice based on experience and expertise.
- We save you time and energy by handling your insurance placement, documentation and renewal.
- We ensure that your claims are settled on time.
In summary we,
Ø Understand your business
Ø Identify its risks
Ø Find the best available cover through a range of insurers
Ø Help you understand options
It should be noted that going directly may appear cheaper, the disadvantage is that it can cost more in the long term if the cover is inadequate and risk management is not handled expertly or, even when a claim arises. So, you’ll be doing yourself a great service by letting us in!
FIRE & SPECIAL PERILS (Property Insurance)

The risks covered here are loss or damage to the insured property caused by fire, lightning, malicious damage, explosion, flood, bursting and overflowing of tanks, pipes and apparatus, riot, strikes and civil commotion, storm and tempest, aerial devices, aircraft, horses, cattle and impact damage, earthquake, tornado, tempest and bush fire”.
The interests that would be covered here as requested are:
- Buildings and structures of every description whether [owned or leased]:
- Office contents of every description in your head office and any other locations.
- Generating set of every description.
- Rent of Alternative Accommodation in the event of a loss.
BURGLARY / HOUSEBREAKING INSURANCE (Theft Insurance)

The Policy provides cover against loss or damage to your premises and the contents as a result of forcible entry or exit from the premises. The cover provided is theft of insured items by “forcible and violent entry into or exit from the premises” and through ordinary threat of violence.
The cover assures you of the replacement of the valuable contents of your house such as generating sets, television sets, safes, lamps, air conditioners etc where they are lost or damaged in the event of a burglary or any attempts of same.
The items to be covered under the policy are as follows:
- Office contents of every description in your head office and any other locations.
- Removable parts and various accessories of generating set of every description.
- Stocks in trade including raw materials, work in progress and finished goods
Because the theft of the entire content looks remote and the entire generating set cannot be stolen, the cover under the policy is better be on First Loss Basis where the first loss limit will represent the maximum liability of insurers in case of any claim.
Request Insurance
HOUSEOWNER/HOUSEHOLDERS INSURANCE (House Contents Comprehensive Insurance)
Covers
1) Loss or damage to the insured buildings of standard construction, including improvements, fences and gates, [property of the insured] caused by fire, lightning, malicious damage, explosion, flood, bursting and overflowing of tanks, pipes and apparatus, riot, strike and civil commotion, storm and tempest, aerial devices, aircraft, horses, cattle and impact damage (including own vehicles), earthquake, tornado, tempest and bush fire”.
2) Loss or damage to Insured’s property occasioned by theft or attempted theft following actual forcible entry or exit from the Insured’s premises.
PUBLIC & PRODUCT LIABILITY
Visitors to your office premises are exposed to injuries as a result of the operations within your premises. Some of those injuries arise out of slippery floors, low stairways, broken/cracked sliding doors, food poisoning etc. These injuries expose you to legal liabilities which may run into millions of Naira/Dollars capable of running an organisation to a halt.
Section 65(1) of Insurance Act 2003 therefore requires that such legal liabilities of an owner or occupier of premises [in respect of loss of /damage to property or bodily injury/death suffered by any user of the premises and third parties] are insured.
The policy can also be extended to cover loss or damage suffered by your customers following the use of your products.
MARINE HULL INSURANCE
This policy covers all forms of risks to your vessels. The insured risks include perils of the sea and other navigable waters, fire and explosion, theft, accidents, jettison, piracy, earthquake, accidents in loading, discharging or shifting cargo or fuel. Possible liability to third parties are also covered.
Request Insurance
GROUP LIFE ASSURANCE SCHEME
The minimum benefit payable to beneficiaries under the policy as stipulated by the law is three (3) times the annual total emolument of the employee following death, either through accident or natural means/any cause.
Payment of such benefits at unexpected times could cause a downward slope in your balance sheet which makes a Group Life Assurance Policy beneficial to your organization.
Request Insurance
GROUP PERSONAL ACCIDENT/ EMPLOYER LIABIILITY POLICY The minimum benefits payable under the policy are as follows: MONEY INSURANCE (Cash In Transit/Cash In Safe) Despite availability of electronic facilities, Organizations still transport cash once in a while from one point to the other and/ or keep such cash in safe or strong rooms for various reasons. In order to indemnify any loss that may attend such activities, the Money Insurance Policy was designed to cover loss of or damages to cash and other security documents. Items that could be covered under the policy include: FIDELITY GUARANTEE INSURANCE (Employees Dishonesty) This is particularly important where employees are entrusted with the company’s money and/or stock. It is important to arrange the policy to cover all employees in charge of cash and stocks. GOODS IN TRANSIT INSURANCE This policy is useful for your operation since it may involve moving fuel from one point to another. The policy covers all risks of loss to subject matter whilst in transit or in course of loading onto or unloading from the conveyance or whilst temporarily housed in ordinary course of transit by road, rail, air or inland waterways. The policy also will be worded to include hired and/or own vehicles. We would also extend cover to include the risk of riot, strike and civil commotion at no extra cost. The rate will be multiplied by the estimated annual carrying to arrive at the annual premium. HEALTH INSURANCE COMPUTER / ELECTRONICS ALL RISK INSURANCE POLICY The risks covered could be summarized as follows: The following items are covered under the policy: COMPREHENSIVE AUTOMOBILE INSURANCE (Motor Insurance) A standard comprehensive motor insurance grants the following covers: Section I It provides indemnity against loss of or damage to the insured vehicles occasioned by: Section II Legal liability to third parties arising from the use of the vehicle(s): 2.1 bodily injury – Unlimited but reasonable 2.2 property damage – Limited to N1,000,000.00 Legal costs and expenses incurred with the insurer’s consent. DIRECTORS AND OFFICERS LIABILITY INSURANCE Directors’ and Officers’ (D&O) liability insurance provides your executives personal liability and financial loss protection from wrongful acts committed—or allegedly committed—in their capacity as corporate officers. VERVE Insurance Brokers Ltd will help you design and implement a Directors’ and Officers’ liability insurance policy that fits with your business, by identifying your corporate and personal exposures to liability. We then create a program that incorporates risk mitigation recommendations as well as the broadest D&O insurance coverage available. INSURANCE BONDS / GUARANTEE A bond is an agreement between three parties that has legal force. It is a promise by a surety to pay the beneficiary a sum of money if the performance guaranteed in terms of the bond fails to materialize. The three parties are: The Principal, Contractor and Insurer. The Principal must be a government office or parastatal. Bond can also be seen as a formal contract because it has to be writing, signed, sealed and delivered. It is an express contract because the term and condition are usually stated in writing.
Request Insurance
Request Insurance
Request Insurance
Request Insurance
Request Insurance
Request Insurance
Request Insurance