A single blanket policy that covers all major commercial risks facing small and medium businesses — fire, burglary, liability, money, and more — under one premium, with no coverage gaps.
The SME Blanket policy bundles every major commercial risk into a single, affordable annual premium — no juggling multiple policies, no coverage gaps.
Covers fire and allied perils including lightning, explosion, and impact damage on your business premises, stock, and contents.
Protects against loss or damage to property resulting from forcible or violent entry to your business premises by persons unknown.
Covers your legal liability for bodily injury sustained by an employee during the course of their employment at your premises.
Indemnifies you against claims from third parties for accidental bodily injury or property damage occurring at or around your business premises.
Covers loss of cash, cheques, and other negotiable instruments both in transit and on your premises, including money in a safe overnight.
Covers accidental breakage of plate glass windows, shop-fronts, and fixed signage — ensuring your business appearance is always restored.
The SME Blanket policy is designed for any small or medium-sized enterprise operating from a fixed location in Nigeria. If you serve customers, hold stock, employ staff, or handle cash — you need this cover.
Whether you run a single outlet or a small chain, a single annual premium locks in comprehensive protection across all major commercial risk categories.
One policy, one renewal date, one insurer. The SME Blanket is engineered to give growing Nigerian businesses complete peace of mind at every stage.
Pay once for all six covers under one consolidated annual premium. No separate policies to track, no overlapping renewal dates to miss.
Customise the sum insured for each cover section — fire, burglary, money, and glass — to match the exact value of your assets and risk exposure.
Bundled cover eliminates the dangerous gaps that occur when separate policies have different exclusions, sub-limits, and definitions.
The following circumstances are generally excluded from SME Blanket cover. Always review your full policy document for the complete list.
Loss or damage deliberately caused by the insured, their employees, or any person acting with the insured's knowledge or consent.
Loss, damage, or liability directly or indirectly attributable to war, invasion, rebellion, revolution, military coup, or civil commotion.
Any loss, destruction, or liability arising from nuclear reaction, nuclear radiation, or radioactive contamination of any nature.
Damage attributable to inherent defects, poor workmanship, or structural deficiencies existing in the building prior to policy inception.
Wear and tear, gradual deterioration, rust, corrosion, vermin, or any process of cleaning or repairing that causes damage over time.
Any liability or loss arising from business activities not disclosed at proposal stage or carried out without a valid regulatory licence.
Speak with a Prestige commercial insurance specialist and secure every major business risk under one affordable annual premium.