Occupiers’ Liability

The law provides that every public building must be insured against liability in the case of loss, damage to property, death or bodily injury that may be caused by collapse, fire, earthquake, storm or flood. A public building refers to any building accessible to people for educational, medical, recreational or commercial purposes.

By virtue of Section 65 of Insurance Act 2003, public buildings include hospitals, schools, hotels, recreation centers, offices and are to be insured by their owners or occupiers against the hazards of collapse, fire, earthquake, storm and flood.

Penalty for default is a fine not more than N100,000 or one-year imprisonment or both.