Updated Yoa risk Free Advisory form

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.

Name

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

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.

Myself and my family My business

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.

Under 30 — building foundations 30 to 44 — accumulating and protecting 45 to 59 — peak earnings, growing dependents 60 and above — preserving and transitioning

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.

Oil, Gas & Energy Marine & Logistics Manufacturing & FMCG Property & Real Estate Healthcare Agriculture & Agribusiness Aviation Education Hospitality & Services Financial & Professional Construction & Engineering Small Business (SME) Other / Not Listed

Question 6 of 15

Question 6 of 14

And your household — who depends on you?

What's your company called?

Single, no dependents Single, but supporting others Married, no children yet Married, with children Other arrangement

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

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

Select every segment that applies to your business today.

Upstream — exploration and production Midstream — pipeline, transport, storage Downstream — refining, distribution, retail Drilling and well services Oilfield services and equipment Power generation (gas, hydro, thermal) Renewable energy (solar, wind) Tank farms and bulk storage

What types of movement does your business handle?

Domestic road haulage Coastal and inland waterway International ocean freight (import) International ocean freight (export) Air freight (cargo) Cross-border road haulage (ECOWAS) Last-mile delivery Warehousing and bonded storage

What types of operations do you run?

Heavy manufacturing or processing Light manufacturing or assembly Food and beverage production Personal care or pharmaceutical production Packaging and labelling Warehousing and distribution Import and re-distribution Contract manufacturing for others

What does your property portfolio include?

Commercial offices Retail or shopping centres Residential blocks or estates Industrial warehouses or factories Hospitality property (let to operators) Mixed-use developments Undeveloped land Active construction sites

What type of healthcare facility do you operate?

Hospital with surgical and inpatient capability Specialist clinic or polyclinic Diagnostic imaging or radiology centre Medical laboratory Pharmacy or dispensary Home care, mobile, or telemedicine Dental, ophthalmology, or other specialty Mental health or rehabilitation

What does your agricultural operation cover?

Crop farming (food crops) Crop farming (cash or export crops) Livestock and poultry Aquaculture or fisheries Processing or value addition Cold storage and warehousing Inputs supply (seeds, fertilizer, feed) Trading and export

What aviation activities does your business conduct?

Scheduled commercial passenger services Charter or private aviation Cargo and freight operations Helicopter operations (onshore) Helicopter operations (offshore) Aircraft ground handling Aircraft maintenance, repair, overhaul (MRO) Aviation training or flight school

What type of educational institution do you operate?

Primary school Secondary school University or polytechnic College of education Vocational or technical training Crèche, kindergarten, or early years Special needs or inclusive education International or expatriate-serving school

What does your hospitality operation include?

Hotel or resort Restaurant or café chain Single-location fine dining or eatery Bar, lounge, or nightclub Event venue or banquet hall Short-let or serviced apartments Tourism, travel, or experiences Catering and outside event services

Which services does your firm provide?

Commercial or retail banking Fintech, payments, or digital wallets Asset management or investment Microfinance, lending, or credit Insurance or pensions Legal, audit, or tax advisory Management consulting Architecture, engineering, or surveying

What kind of construction or engineering work do you handle?

Residential building Commercial building Civil works (roads, bridges, dams) Industrial construction (factories, warehouses) Oil and gas construction Mechanical, electrical, and plumbing (MEP) Marine construction (jetties, dredging) Specialty (high-rise, telecom towers, etc.)

In one sentence — what does your business do?

Who are your primary customers?

Select every customer type that meaningfully drives your revenue.

Businesses (B2B) Consumers directly (B2C) Government or public sector Other businesses through resellers or distributors Non-profits, NGOs, or development organisations A mix that doesn't fit any of the above

Question 8 of 15

What best describes how you earn?

Salaried employee (private sector) Salaried employee (public sector) Business owner or self-employed Mix of salary and business interests Retired or transitioning

Question 8 of 14

How would you describe the scale of your operations?

A single site or asset 2 to 5 sites or assets 6 to 20 sites or assets Major multi-site operations (over 20)

How large is your fleet or operation?

Under 10 vehicles or vessels 10 to 50 50 to 200 200 to 1,000 Over 1,000 We use third-party carriers exclusively

How many production sites do you operate?

A single facility Two or three facilities Four to ten facilities More than ten facilities

How many distinct properties do you own or manage?

1 property 2 to 5 properties 6 to 20 properties 21 to 100 properties More than 100 properties

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

Under 200 200 to 1,000 1,000 to 5,000 5,000 to 20,000 More than 20,000

How large is your primary operation?

Under 50 hectares or small-scale 50 to 500 hectares 500 to 5,000 hectares 5,000 to 50,000 hectares Over 50,000 hectares Processing or trade only — no farm

How many aircraft do you operate or manage?

1 to 3 aircraft 4 to 10 aircraft 11 to 25 aircraft More than 25 aircraft We charter or lease only — no owned fleet

How many students do you have enrolled across all campuses?

Under 200 200 to 1,000 1,000 to 5,000 5,000 to 20,000 More than 20,000

How large is your operation?

Under 30 rooms or seats 30 to 100 100 to 300 More than 300 Multi-property group

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

Under ₦500M ₦500M to ₦10B ₦10B to ₦100B Over ₦100B We don't hold client funds

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

Under ₦100M ₦100M to ₦1B ₦1B to ₦10B Over ₦10B

How many people work in the business — including you?

Just me 2 to 10 11 to 50 More than 50

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.

Production or manufacturing Wholesale or distribution Retail or direct-to-consumer sales Professional or specialist services Operations or facility management Trading, import, or export Technology or digital services Consulting, advisory, or expertise-based

Question 9 of 15

What do you currently have to protect?

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

A home you own A home you rent (with valuables inside) One or more vehicles Savings or investments Stake in a business High-value items (jewellery, electronics, art) Children's education funds in progress None of the above yet

Question 9 of 14

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.

Under ₦1B ₦1B to ₦10B ₦10B to ₦100B ₦100B to ₦1T Over ₦1T Prefer to discuss directly

What's the average value moved per shipment?

Under ₦5M per shipment ₦5M to ₦50M ₦50M to ₦500M Over ₦500M Highly variable depending on cargo

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

Under ₦100M ₦100M to ₦1B ₦1B to ₦10B Over ₦10B

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

Under ₦500M ₦500M to ₦5B ₦5B to ₦50B ₦50B to ₦500B Over ₦500B

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

Under ₦50M ₦50M to ₦500M ₦500M to ₦5B Over ₦5B

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

Under ₦50M ₦50M to ₦500M ₦500M to ₦5B Over ₦5B

What's the approximate value of your fleet?

Under ₦1B ₦1B to ₦10B ₦10B to ₦100B Over ₦100B Variable (charter or lease model)

How many teaching and non-teaching staff combined?

Under 25 25 to 100 100 to 500 More than 500

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

Under ₦200M ₦200M to ₦2B ₦2B to ₦10B Over ₦10B

How many active client engagements or accounts do you manage?

Under 100 100 to 1,000 1,000 to 10,000 Over 10,000

How many projects are typically active at the same time?

1 to 3 4 to 10 11 to 25 More than 25

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

Under ₦10M ₦10M to ₦100M ₦100M to ₦1B Over ₦1B

How would you describe the scale of your business?

Micro — just me or a few people Small — under 25 staff Medium — 25 to 100 staff Large — 100 to 500 staff Enterprise — over 500 staff

Question 10 of 15

Which policies do you already hold?

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

Health insurance (HMO or private) Life insurance Motor insurance Home or householder insurance Travel insurance Pension or retirement savings (RSA) None — that's why I'm here

Question 10 of 14

How is your operational workforce structured?

Mostly direct employees Mostly contractors and third-party crews A mix of direct staff and contractors Joint venture or operator model

What types of cargo do you typically handle?

General merchandise Perishables or cold chain Hazardous goods or chemicals High-value goods (electronics, pharma) Bulk commodities (grains, cement, fuel) Heavy machinery or project cargo Personal effects or household goods

How many people work in production and warehousing?

Under 20 20 to 100 100 to 500 500 to 2,000 Over 2,000

Where are your properties primarily located?

Lagos (mainland) Lagos (island and waterfront) Abuja Port Harcourt and South-South Other South-West (Ibadan, etc.) Northern Nigeria Across multiple regions

How many licensed medical practitioners work at your facility?

1 to 5 6 to 20 21 to 50 51 to 200 More than 200

Where are your main farms or facilities located?

South-West (Ogun, Oyo, etc.) South-South (Niger Delta region) South-East North-Central (Kwara, Niger, etc.) North-West North-East Multiple regions

Where do your operations primarily take place?

Domestic Nigerian routes West African (regional) routes International (rest of Africa) International (Europe, Middle East, etc.) Offshore (oil and gas support) Remote or unimproved airstrips

Which facilities or services do you operate?

Each one carries a different exposure profile.

Boarding houses or hostels School transport (buses) Sports and recreation facilities Science laboratories or workshops Cafeteria and food services Medical or sick bay Swimming pool On-site staff accommodation

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

Under 500 500 to 2,000 2,000 to 10,000 More than 10,000

How is your firm regulated?

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

CBN (banking, payments, BDC) SEC (securities, investment) NAICOM (insurance, brokers) PenCom (pensions) Nigerian Bar Association or ICAN NITDA or NDPC (data protection) Foreign regulators (cross-border) Not formally regulated

How is your workforce structured?

Mostly direct employees and operatives Mostly subcontractors and labour-only A balanced mix Project-by-project labour

Where does your business operate from?

A shop, office, or commercial space we own A rented commercial space Multiple locations Online or mobile (no fixed premises) From home

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

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

Under ₦50M ₦50M to ₦500M ₦500M to ₦5B ₦5B to ₦50B Over ₦50B Prefer to discuss directly

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.

My family's financial security if something happens to me A serious health emergency wiping out savings Retiring without enough income to live on Children's education being interrupted Losing my job or main income source My home being damaged or burgled A car accident with serious consequences Something happening while I'm abroad

Question 11 of 14

Which exposures shape your risk profile most?

Blowout, well control, or process safety Pipeline interference or sabotage Environmental spill or pollution liability Security threats in operating areas Equipment breakdown or mechanical failure Contractor injury or third-party liability Theft of crude, condensate, or products Business interruption from any of the above

Which risks have you actually experienced — or fear most?

Cargo damage in transit Hijacking or armed theft Vehicle or vessel accident Port delays or demurrage costs Customs or border-related losses Driver injury or fatality Total loss of consignment Goods deterioration or spoilage

Which production-related risks concern you most?

Fire or explosion in production Machinery breakdown halting output Product contamination or recall Theft of stock or finished goods Worker injury or fatality Power outages or generator failures Supply chain or raw material disruption Product liability from defects

Which property risks are most relevant to your portfolio?

Fire, especially in older buildings Flooding or water damage Structural defects or subsidence Burglary, vandalism, or arson Tenant default or rent loss Public liability from accidents on site Construction defects (recent builds) Loss of rental income

Which risks concern you most?

Medical malpractice or negligence claims Patient injury on premises Hospital-acquired infection liability Medical equipment failure or breakdown Data breach of patient records Drug or controlled substance loss Staff exposure to occupational hazards Regulatory penalties (MDCN, NAFDAC, NHIA)

Which exposures hit closest to home for you?

Flooding or extreme weather Drought or rainfall shortfall Pest infestation or disease outbreak Herder–farmer conflict or banditry Theft of crops, livestock, or equipment Equipment breakdown or fire Supply chain or off-taker default Price volatility or storage losses

Which aviation risks concern you most?

Aircraft hull damage or total loss Third-party passenger liability Third-party (non-passenger) liability War, hijacking, or political risk Ground handling damage Crew injury or fatality Spare parts and component loss Loss of use or business interruption

Which risks weigh on the leadership team most?

Student injury on premises or transport Fire in dormitory, lab, or facility Abuse or safeguarding incidents Cyber or data breach (student records) Property damage (theft, vandalism) Liability from third parties on site Staff injury or wrongful dismissal Reputational damage from incidents

Which hospitality-specific risks worry you most?

Guest injury (slip, fall, etc.) Kitchen fire or food-safety incident Theft of guest property Alcohol-related liability Asset damage by guests Cyber breach of guest data Reputation damage from incidents Loss of income from forced closure

Which exposures concern you most?

Cyber attack or data breach Internal fraud or employee dishonesty Client lawsuits or professional liability Regulatory penalties or sanctions Director and officer (D&O) liability Business interruption from outage Errors and omissions in advice Reputation damage

Which construction risks concern you most?

Site injury or fatality Damage to works in progress Theft of materials or equipment Third-party property damage Plant and equipment breakdown Subcontractor default or dispute Delay in completion or LD penalties Defective workmanship claims post-handover

What does your business depend on most to keep running?

A physical location or shop Equipment, machinery, or tools Inventory or stock A small number of key clients or contracts Online platform or technology Key staff (founders, specialists) Cash flow and supplier credit Vehicles or delivery operations

Where does your business operate?

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

Lagos Abuja / FCT South-West (excluding Lagos) South-South (Niger Delta region) South-East Northern Nigeria International or cross-border Online or remote — no fixed premises

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 major incidents or claims in the last five years?

No incidents or claims Minor incidents only — no claims paid One significant claim Multiple significant claims Prefer to discuss confidentially

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

None One or two minor claims Three to five More than five We've self-insured rather than file

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.

Under a week One to four weeks One to three months More than three months We genuinely don't know

Have you filed property claims in the last five years?

No claims One claim, fully resolved Two or three claims More than three claims Active or unresolved claims

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.

None Complaints only, no claims One significant claim or action Multiple claims or ongoing matters Prefer to discuss confidentially

Have you experienced significant losses in the last three years?

None significant One major loss event Two or three loss events More than three loss events Annual recurring losses

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

No claims Minor ground incidents only One significant claim Multiple claims Active or recent loss

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

None Minor incidents internally resolved One significant matter Multiple matters or ongoing Prefer to discuss confidentially

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

None of consequence Minor issues, no claims One claim or significant incident Multiple claims Active or unresolved matters

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

None Complaints only, no claims One material claim or penalty Multiple matters Prefer to discuss confidentially

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

None Minor injuries reported One significant claim or fatality Multiple claims Active or unresolved matters

Which risks worry you most?

Fire or theft at the premises Liability if a customer or client is harmed Losing a key client or contract Employee injury or dishonesty Cyber attack or data breach Equipment breakdown halting operations Founder or key-person dependency Currency or supplier price shocks

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.

Under 25% — well diversified 25 to 50% 50 to 75% Over 75% — heavily concentrated We have many small customers — no concentration risk Not applicable to our business model

Question 13 of 15

When we follow up, how should we reach you?

Email is best A phone call WhatsApp message Any of the above is fine

Question 13 of 14

Which covers do you currently hold?

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

Operators Extra Expense or Control of Well Property and machinery breakdown Public and product liability Pollution and environmental impairment Business interruption Marine cargo and hull (if applicable) Employee benefits and group life None or unsure

Which covers do you carry today?

Marine cargo (open or single-trip) Goods in transit (inland) Motor fleet insurance Hull and machinery (for vessel owners) Public liability Workmen's compensation None — that's why we're here

Which covers do you currently hold?

Industrial all-risks (property) Machinery breakdown Business interruption Public and product liability Goods in transit Workmen's compensation Group life or group personal accident None or unsure of scope

Which covers do you currently maintain?

Property all-risks Loss of rent or rental income Public liability Construction all-risks (for active builds) Householders or landlord-specific covers Boiler and machinery Terrorism and political violence Not sure what's in place

Which insurance covers does your facility currently hold?

Medical malpractice and professional indemnity Property all-risks Public liability Equipment all-risks Cyber liability (for patient data) Group life and group personal accident Employee health (HMO) None or unsure

Which covers do you currently hold?

Crop insurance (NAIC, private, or NIRSAL) Livestock insurance Equipment and machinery cover Property all-risks (facilities) Public liability Goods in transit Workmen's compensation None at present

Which aviation covers do you currently maintain?

Aircraft hull all-risks Passenger and third-party liability War, hijacking, and allied perils Spare parts and equipment Ground handling liability Loss of licence (crew) Personal accident for crew Hangarkeepers liability

Which covers does the institution currently hold?

Property all-risks Public liability Professional indemnity (for educators) Student personal accident (group) Motor fleet (school transport) Cyber liability Group life for staff Directors and officers (if private)

Which covers does your business currently hold?

Property all-risks Public liability Product liability (food, drink) Business interruption Money in safe and in transit Group personal accident for staff Fidelity guarantee (for cash handlers) Cyber liability

Which covers does your firm currently maintain?

Professional indemnity / errors & omissions Directors and officers (D&O) Fidelity guarantee or banker's blanket bond Cyber liability Property and contents Business interruption Group life for staff None or limited cover

Which covers do you currently maintain?

Contractors All-Risks (CAR) Erection All-Risks (EAR) Plant and machinery (CPM) Public liability Workmen's compensation or group personal accident Performance bonds or advance payment bonds Professional indemnity (for design-build) Goods in transit

Which covers do you currently hold?

Property or shop insurance Public liability Motor insurance (business use) Group life or group personal accident Health insurance for staff Goods in transit Cyber liability None — that's why I'm here

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

Fire or damage to premises and stock Theft, burglary, or armed robbery Injury to staff, customers, or visitors A lawsuit from a customer or third party Cyber attack or data breach Loss of a major client, contract, or revenue stream Equipment or system breakdown halting operations Loss of a key person or specialist knowledge

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.

Today or tomorrow — this is urgent Within the next week Within the next month Just exploring for now, no rush

Question 14 of 14

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?

None Minor incidents only — no claims paid One significant loss or claim Multiple losses or claims Prefer to discuss confidentially

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.

Property all-risks (fire, theft, etc.) Public liability Professional indemnity or errors & omissions Motor or fleet insurance Group life or personal accident for staff Cyber liability Business interruption None or unsure of scope

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