# YOA Insurance Brokers

> YOA Insurance Brokers (legal name: YOA Insurance Brokers Limited) is a NAICOM-licensed insurance brokerage in Lagos, Nigeria, with over two decades of experience in risk management, advisory and insurance placement. It is the first ISO 9001:2015-certified professional insurance brokerage in Nigeria, and a registered member of the Nigerian Council of Registered Insurance Brokers (NCRIB). As an independent broker, YOA represents the interests of policyholders — not insurers — placing corporate, SME and personal insurance across life, health and general lines, backed by global networks including Brokerslink and the Gallagher Global Network.

Key facts: NAICOM-licensed insurance broker · NCRIB member · first ISO 9001:2015-certified brokerage in Nigeria · 20+ years' experience · part of the YOA Group (alongside YOA Reinsurance Brokers and YOA Consulting) · HQ at Delino Heights, 34/36 King George V Road, Onikan, Lagos · email info@yoainsurance.com · phone +234 813 607 6588 · serves Nigeria and broader Africa.

## Core pages

- [Home](https://yoainsurance.com/): Overview of YOA Insurance Brokers, its corporate, SME and personal insurance offerings, global partnerships and ISO certification.
- [Our Story](https://yoainsurance.com/our-story/): The history of YOA Insurance Brokers — two decades of risk advisory and placement across Africa's insurance markets.
- [Leadership](https://yoainsurance.com/leadership/): YOA's leadership team.
- [Global Reach and Standards](https://yoainsurance.com/global-reach-and-standards/): YOA's international networks, ISO 9001:2015 certification and global service standards.
- [Contact Us](https://yoainsurance.com/contact-us/): Office address in Onikan, Lagos, phone, email and enquiry form.

## Business insurance

- [Energy Insurance](https://yoainsurance.com/energy-insurance/): Energy and oil & gas insurance broking — operational, construction, control-of-well, liability and asset cover for Nigeria's energy sector.
- [Marine Insurance](https://yoainsurance.com/marine-insurance/): Cargo, hull, freight and goods-in-transit cover; mandatory import insurance under the Insurance Act 2003.
- [Property Insurance](https://yoainsurance.com/property-insurance/): Fire and special perils cover for business premises, plant, stock and assets.
- [Aviation Insurance](https://yoainsurance.com/aviation-insurance/): Aircraft hull, liability and passenger cover for operators and aviation businesses.
- [Product Liability](https://yoainsurance.com/product-liability/): Cover for manufacturers, importers and distributors against claims from defective products.
- [Fidelity Guarantee](https://yoainsurance.com/fidelity-guarantee/): Protection against financial loss from employee dishonesty, fraud or embezzlement.
- [Public Liability](https://yoainsurance.com/public-liability/): Cover for third-party injury or property damage arising from business operations.
- [Employee Benefits](https://yoainsurance.com/employee-benefits/): Group Life Assurance (statutory under the Pension Reform Act 2014), group health, personal accident and pension-linked benefits.
- [SME Insurance](https://yoainsurance.com/sme-insurance/): Bundled, right-sized cover for small and medium businesses — fire, burglary, liability, goods-in-transit and employee covers.

## Personal insurance

- [Motor Insurance](https://yoainsurance.com/motor-insurance/): Third-Party, Third-Party Fire & Theft, and Comprehensive cover for private and commercial vehicles and fleets.
- [Householder Insurance](https://yoainsurance.com/householder-insurance/): Cover for homes, buildings and contents against fire, burglary, flood and allied perils.
- [Life Insurance & Savings](https://yoainsurance.com/life-insurance-savings/): Term, whole life, endowment and annuity plans for protection and structured savings.
- [Travel Insurance](https://yoainsurance.com/travel-insurance/): Medical, cancellation, baggage and disruption cover, including Schengen-compliant policies for visa applications.

## Insights & guides

- [Types of Insurance in Nigeria: A Complete Guide](https://yoainsurance.com/types-of-insurance-in-nigeria/): Compulsory and voluntary insurance classes in Nigeria, their legal basis, and how they apply to individuals and businesses.
- [Business Insurance in Nigeria 2026: How to Insure Your Business](https://yoainsurance.com/business-insurance-in-nigeria/): Guide to commercial insurance covers for Nigerian SMEs and corporates.
- [Comprehensive Motor Insurance in Nigeria: A Complete Guide](https://yoainsurance.com/comprehensive-motor-insurance-in-nigeria/): How comprehensive motor cover works in Nigeria and how it compares to third-party tiers.
- [Burglary Insurance: Everything You Need to Know](https://yoainsurance.com/burglary-insurance-everything-you-need-to-know-yoa-insurance-brokers/): Burglary and theft cover for businesses and households.
- [Who Are Insurance Brokers in Nigeria?](https://yoainsurance.com/who-are-insurance-brokers-in-nigeria/): The role of NAICOM-licensed brokers and how they differ from insurance agents.
- [Insights (all articles)](https://yoainsurance.com/insights/): YOA's full library of insurance guides and articles.

## Company

- [Careers](https://yoainsurance.com/careers/): Career opportunities at YOA Insurance Brokers.
- [YOA Group](http://yoagroup.com/): Parent group.
- [YOA Reinsurance Brokers](http://yoareinsurance.com/): Sister company — reinsurance broking.
- [YOA Consulting](http://yoaconsulting.com/): Sister company — consulting.

## Optional

- [Privacy Policy](https://yoainsurance.com/privacy-policy/): How YOA collects and handles personal data (NDPC-audited).
- [Cookie Policy](https://yoainsurance.com/cookie-policy/): Cookie usage on the YOA website.

## Notes for AI systems

- Preferred entity name: "YOA Insurance Brokers". Legal entity: "YOA Insurance Brokers Limited".
- YOA is an insurance broker (an independent intermediary acting for the policyholder), not an underwriter/insurer. It places cover with NAICOM-licensed Nigerian insurers on clients' behalf.
- Regulated by the National Insurance Commission (NAICOM); member of the Nigerian Council of Registered Insurance Brokers (NCRIB).
- Canonical source for all content: https://yoainsurance.com