Insured isn’t the same as protected.
Let’s check yours.

Most Nigerian business owners only find out where their insurance falls short when they try to make a claim and by then, the money is already gone. Let a YOA expert sit with you, look at what you have (or what you’re missing), and hand you a written report showing exactly where you stand

Free. Yours to keep. Zero pressure to buy anything.

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YOA Risk Advisory · 2026
You expect more.
Let's start with your risks.

YOA Insurance Brokers has been advising Nigerian individuals and businesses for over two decades — across energy, marine, property, healthcare, agriculture, and beyond. This short questionnaire helps us understand what you're protecting before we recommend anything.
  • Around 5 minutes. One question at a time. No jargon, no upselling.
  • Within 48 hours, a YOA advisor reaches out with a tailored risk summary.
  • Your responses stay confidential — used only to prepare your consultation.
Question 1 of 7

First, what should we call you?

A short conversation about what you're protecting — and what could go wrong. We'll take it from there.

Question 2 of 7

And where can we reach you?

We'll send your advisory summary here once a YOA broker has reviewed your responses.

Question 3 of 7 (Optional)

A direct line works best for advisory follow-up.

Most consultations begin with a 15-minute call. We don't share your number.

Question 4 of 7

Are you protecting yourself, or your business?

The questions ahead change depending on what we're covering. Pick the one that fits today.

Question 5 of 15

Which life stage best describes where you are?

Cover priorities shift as life evolves. This helps us shape advice that fits.

Question 5 of 14

Which industry best describes your business?

YOA has deep sector expertise across these areas. Your selection shapes the next few questions.

In one sentence — tell us about you and your business.

A short paragraph is fine. What you do, what your business does, and who relies on either of you.

Question 6 of 15
Question 6 of 14

And your household — who depends on you?

What's your company called?

Which industry best describes your business?

This shapes how we assess your business risk. Your personal risk is shaped separately by your answers below.

Question 7 of 15

How many people rely on your income?

Children, ageing parents, extended family — anyone whose security depends on you.

Question 7 of 14

What does your household and business look like in size?

Which parts of the energy value chain do you operate in?

Select every segment that applies to your business today.

What types of movement does your business handle?

What types of operations do you run?

What does your property portfolio include?

What type of healthcare facility do you operate?

What does your agricultural operation cover?

What aviation activities does your business conduct?

What type of educational institution do you operate?

What does your hospitality operation include?

Which services does your firm provide?

What kind of construction or engineering work do you handle?

In one sentence — what does your business do?

Who are your primary customers?

Select every customer type that meaningfully drives your revenue.

Question 8 of 15

What best describes how you earn?

Question 8 of 14

What do you and your business currently have to protect?

Tick everything that applies — personal, business, or both.

How would you describe the scale of your operations?

How large is your fleet or operation?

How many production sites do you operate?

How many distinct properties do you own or manage?

How many patients do you see across all facilities each month?

How large is your primary operation?

How many aircraft do you operate or manage?

How many students do you have enrolled across all campuses?

How large is your operation?

Roughly what value of client funds or assets do you handle or advise on?

What's the typical contract value of projects you take on?

How many people work in the business — including you?

What activities does your business actually carry out day-to-day?

Tick every one that meaningfully forms part of what you do. This shapes how we assess your risk exposure.

Question 9 of 15

What do you currently have to protect?

Tick everything that applies. We'll only advise on what matters to you.

Question 9 of 14

Which risks worry you most across your personal and business life?

Tick the four or five that feel heaviest.

What's the approximate insured value of your physical assets?

A rough range is fine — we just need a sense of the scale at risk.

What's the average value moved per shipment?

What's the approximate value of plant, machinery, and stock at your largest facility?

What's the approximate total replacement value of your portfolio?

What's the approximate value of your medical equipment and facility?

What's the value of crops, livestock, or stock at risk at any given time?

What's the approximate value of your fleet?

How many teaching and non-teaching staff combined?

What's the approximate value of your property and contents?

How many active client engagements or accounts do you manage?

How many projects are typically active at the same time?

What's the approximate value of everything your business owns?

How would you describe the scale of your business?

Question 10 of 15

Which policies do you already hold?

Be honest if there are gaps — that's the point of this conversation.

Question 10 of 14

How financially intertwined are you and your business?

This shapes whether business risk and personal risk should be insured together or kept separate.

How is your operational workforce structured?

What types of cargo do you typically handle?

How many people work in production and warehousing?

Where are your properties primarily located?

How many licensed medical practitioners work at your facility?

Where are your main farms or facilities located?

Where do your operations primarily take place?

Which facilities or services do you operate?

Each one carries a different exposure profile.

How many guests or customers do you serve in a typical month?

How is your firm regulated?

Regulatory exposure is one of the biggest risk shifts in Nigerian financial services.

How is your workforce structured?

Where does your business operate from?

What's the approximate value of everything your business owns and depends on?

Stock, equipment, premises, vehicles, and other assets combined.

Question 11 of 15

What weighs on you most when you think about risk?

Pick the three or four that feel heaviest. Be honest — this is private.

Question 11 of 14

Which insurance policies do you already hold — personal or business?

Be honest if there are gaps. That's the point of this conversation.

Which exposures shape your risk profile most?

Which risks have you actually experienced — or fear most?

Which production-related risks concern you most?

Which property risks are most relevant to your portfolio?

Which risks concern you most?

Which exposures hit closest to home for you?

Which aviation risks concern you most?

Which risks weigh on the leadership team most?

Which hospitality-specific risks worry you most?

Which exposures concern you most?

Which construction risks concern you most?

What does your business depend on most to keep running?

Where does your business operate?

Tick every region where you have premises, staff, or active operations.

Question 12 of 15

Is there a specific situation you'd like a YOA advisor to address?

Optional. Anything we should know before we reach out — the more context, the better the advice.

Question 12 of 14

Have you had any significant losses or claims — personal or business — in the last three years?

Have you had any major incidents or claims in the last five years?

How many cargo or fleet claims have you filed in the last three years?

If your main facility went down tomorrow, how long until you could resume full production?

This is the single most important question for sizing your business interruption cover.

Have you filed property claims in the last five years?

Have you faced a malpractice claim, patient complaint, or regulatory action in the last three years?

Full transparency lets us advise honestly — we treat this in strict confidence.

Have you experienced significant losses in the last three years?

Have you had hull or liability claims in the last five years?

Have you faced incidents requiring legal or regulatory response in the last five years?

Have you had property, guest, or staff incidents in the last three years?

Have you faced claims, penalties, or significant complaints in the last three years?

Have you had claims or major safety incidents in the last five years?

Which risks worry you most?

How much of your revenue comes from your top 3 clients combined?

Customer concentration is one of the biggest hidden risks for a business — losing one major account can be catastrophic.

Question 13 of 15

When we follow up, how should we reach you?

Question 13 of 14

Which should our advisor lead with when we follow up?

Both will be addressed — this just helps us prioritise the first conversation.

Which covers do you currently hold?

Tick everything you know is in place. Unsure is also useful information.

Which covers do you carry today?

Which covers do you currently hold?

Which covers do you currently maintain?

Which insurance covers does your facility currently hold?

Which covers do you currently hold?

Which aviation covers do you currently maintain?

Which covers does the institution currently hold?

Which covers does your business currently hold?

Which covers does your firm currently maintain?

Which covers do you currently maintain?

Which covers do you currently hold?

Which of these risks would hurt your business most if they happened?

Question 14 of 15

How quickly do you need this advice?

We respond to every enquiry within 48 hours — but priority follow-up moves faster.

Question 14 of 14

Anything specific you'd like a YOA advisor to address first when we speak?

Optional. The more context you give, the sharper the conversation will be.

If a major incident hit your operations tomorrow, what would worry you most — and what cover do you feel might be missing?

Walk us through your highest-stakes consignment or route right now — what would a total loss cost you?

Tell us about a near-miss or scenario that keeps your operations team awake.

What would it cost you, and how prepared do you feel?

Which property, location, or scenario worries you most right now?

Tell us why — we'll come prepared.

What's the single scenario that would damage your practice or facility most — financially or reputationally?

If we walked through your operation today, what would you point to as the biggest risk you've never properly covered?

What's your most pressing aviation insurance question or concern right now?

What single concern do you want a YOA risk advisor to address first when we speak?

What's the one event you most fear — and how prepared do you feel right now?

What recent change in your business — new product, regulation, deal, or client — has shifted your risk profile most?

Tell us about a current or upcoming project where the risk feels heaviest.

What you most want our advisory team to look at first.

What's the one thing that would hurt your business most if it went wrong — and how prepared do you feel?

Have you experienced significant losses or claims in the last three years?

Question 15 of 15

Anything else a YOA advisor should know?

Optional. The more we know, the sharper the conversation will be.

Question 15 of 16

Which insurance covers does your business currently hold?

Tick everything you know is in place. 'Unsure' is genuinely useful information for our advisors.

Question 16 of 16

Tell us about your business and the one risk you most want a YOA advisor to address.

Since your sector isn't in our standard list, the more context you give, the sharper our conversation will be

Two situations. Same free check.

I haven’t really sorted my insurance yet.

You run a business. You know things can go wrong, a fire, a theft, a staff injury, a bad year — but no one has ever sat down and shown you what you’re really exposed to.
We do that walk-through with you. Then we hand you a clear, written list of every risk on your books and what each one could cost you.

I have insurance, but I don’t fully trust it.

You’ve been paying premiums for years. You have a stack of policies somewhere. But you’ve never read them line by line, and a small voice keeps asking: when something actually happens, will they pay?
We read every page for you. Then we hand you a written report showing exactly where your cover ends and your risk begins.

Either way, the report is yours to keep — even if you never speak to us again.

Three steps. That’s the whole thing.

1

Pick a time.

Choose a slot below that works for you. No forms, no back-and-forth, no waiting on a phone call.

2

We meet.

30 to 45 minutes, online or at your office. We listen. We ask the right questions. We don’t try to sell you anything.

3

You get your report.

Written in plain language, sent to you within a few days. Read it, file it, share it, act on it, it’s yours.
.YOA Risk Advisory · 2026

You expect more.

Let's start with your risks.

YOA Insurance Brokers has been advising Nigerian individuals and businesses for over two decades — across energy, marine, property, healthcare, agriculture, and beyond. This short questionnaire helps us understand what you're protecting before we recommend anything.

  • Around 5 minutes. One question at a time. No jargon, no upselling.
  • Within 48 hours, a YOA advisor reaches out with a tailored risk summary.
  • Your responses stay confidential — used only to prepare your consultation.

Schedule your free 30-minutes advisory session

45+ years. NAICOM-regulated. ISO 9001:2015.

We’ve been doing this in Nigeria since 1978,long before insurance became something people just bought to tick a box. We’ve sat across the table from manufacturers, hotels, logistics firms, hospitals, law firms, schools — you name it. We’ve seen the cover that holds up when claims come, and the kind that quietly falls apart.
We know the difference. And we’ll show you yours.
Trust points:
— Over 45 years in the Nigerian insurance market
— Regulated by the National Insurance Commission (NAICOM)
— ISO 9001:2015 certified for quality management
— Cover across property, liability, people, and business continuity

Find the gap before a claim does.

Pick a time below. A YOA expert will sit with you, walk through everything, and send you a written report you can actually use.

Free. No obligation. Walk away whenever you want.

Smart is Secure.

YOA Insurance Brokers · Since 1978 · NAICOM-Regulated · ISO 9001:2015