Nigeria is not one simple insurance environment. It is a country with major commercial, media, humanitarian and operational activity, but also with significant regional differences in security, infrastructure and access.
This is specialist cover designed for journalists, NGOs, contractors, researchers, corporate teams and operational staff whose work still requires them to travel where standard insurance may be too blunt or too limited for the real conditions involved.
What's included
Cover is based on a clear understanding of where you are going, what you are doing and the local conditions you are likely to face.
Nigeria is not a single risk profile.
Some travel may be routine and commercially focused. Other assignments may involve fragile areas, security concerns, limited infrastructure or significant evacuation complexity. The right insurance decision depends on the real details of the work, not just the country name on the itinerary.
Country context
The situation
Nigeria is West Africa's most populous country and a major hub for regional operations. The security environment varies enormously by region. Lagos and Abuja have functioning infrastructure and manageable risk for international workers. The north-east, particularly Borno and Adamawa states, remains the site of a severe Boko Haram/ISWAP insurgency. The north-west has significant armed bandit activity. The Middle Belt experiences intercommunal violence.
ISWAP (Islamic State West Africa Province) has significantly outgrown Boko Haram and controls territory in the Lake Chad Basin, conducting complex attacks on military bases, villages and increasingly sophisticated targeting of infrastructure. Kidnapping of international workers, teachers, students and religious leaders occurs regularly across northern Nigeria.
For non-combatants working in Nigeria — particularly in the north-east and north-west — specialist insurance and comprehensive security planning are essential. Lagos and Abuja operations are more manageable but still require awareness of crime, piracy risk in the Gulf of Guinea and political instability.
What to watch
Why it can be challenging
ISWAP insurgency in north-east Nigeria
ISWAP controls territory in the Lake Chad Basin and conducts complex attacks on military and civilian targets. International organisations working in north-east Nigeria operate in a genuine conflict environment with active targeting risk.
Mass kidnapping operations in north and north-west
Armed bandit groups conducting mass kidnappings for ransom have taken thousands of hostages from schools, villages and roads across northern Nigeria. International workers are specific high-value targets.
Intercommunal violence in the Middle Belt
Farmer-herder conflicts, with ethnic and religious dimensions, cause thousands of casualties annually in Benue, Plateau, Taraba and adjacent states. This violence can disrupt field operations and affect worker safety.
Gulf of Guinea maritime piracy
Nigeria's coastline and the Niger Delta are the global centre of maritime piracy. Crew kidnappings from vessels are common. Any maritime operation in Nigerian waters or the wider Gulf of Guinea requires specific security planning.
Can you get insurance for Nigeria?
We provide specialist insurance for non-combatants travelling to Nigeria for professional and operational reasons.
Cover is based on a clear understanding of where you are going, what you are doing and the local conditions you are likely to face.
Why this matters in Nigeria
Nigeria is not a single risk profile. Some travel may be routine and commercially focused. Other assignments may involve fragile areas, security concerns, limited infrastructure or significant evacuation complexity.
That means the right insurance decision depends on the real details of the work, not just the country name on the itinerary.
Specialist cover matters because it can reflect those differences properly and provide a clearer route to support if something goes wrong.
Practical relevance
Cover that reflects the reality of operating across a large country where the risk profile changes significantly from one region to another.
Medical treatment following an incident during work travel, where local facilities and access may vary by region.
Support for evacuation where access, infrastructure or security conditions deteriorate during or after an assignment.
Support for teams working across multiple Nigerian regions where each location may carry a different level of risk.
Emergency support
NGS provides 24/7 support. They can assess the situation, coordinate treatment, support evacuation where required and manage the case through to a safer outcome.
This is particularly important in a country where the practical realities of movement, healthcare access and regional conditions can vary significantly.
Continuity
Yes. Eligible personal accident benefits can continue after you return to your country of domicile, subject to the policy terms.
That helps provide continuity if the impact of an incident continues after you leave the country.
Exclusions
Being clear about exclusions helps buyers know exactly what this policy is for and where separate cover may be needed.
This policy protects people, not possessions.
Cover not included
Activity exclusions
Property exclusions
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
Register in minutes to access your quotes, manage policies, and activate cover. Or use the quick quote widget to get an indicative price immediately.
Cover by profession
Already have an account? Sign in
Quick Quote
Fill in the details below and we'll show you the cost. No account needed to see a price.
Couldn't load occupations.