A licensed Nigerian insurance broking firm: risk advice, market placement and claims advocacy for corporate, public sector, SME and private clients.
Your lifestyle partner
NAICOM licensed and NCRIB registered
Independent of every insurer we quote
Terms quoted across the insurer market
We drive every claim through to payment
HAT Insurance Brokers Limited is a NAICOM-licensed insurance broker operating from Lagos and serving clients nationwide. A small, senior team led by the Managing Director gives you named contacts and responsive support from quotation to renewal.
Risk advice and market placement across Life, General and Health insurance.
Life cover for employees, borrowers and individuals, with savings-linked options and annuities for retirement income.
Cover options for business assets, transport and specialist risks, including local and international travel.
Local healthcare options for employees and families, alongside international medical cover for expatriates.
Cover before uncertainty
Duty to the client
Advice you can act on
Standing in the market
The markets we serve — each with the same discipline: understand the exposure, quote the market and stand behind the claim.
Tender-ready through BPP, NSITF, ITF, PENCOM and tax registrations
Programme design, placement and claims handling for multi-class covers
Simple, fast cover for individuals and small businesses, sold digitally
Specialty energy risks placed through co-broking and reinsurer support
Professional indemnity, HMO-backed group health and asset cover for care providers
Property, liability and group life programmes for schools and institutions
Protection built around you — independent advice, technical expertise and personal service.
We compare cover across the market and explain the options. Our independence from insurers, banks and groups keeps your interests at the centre.
A small, senior team gives you named contacts and responsive support from quotation to renewal.
We assess risks and review policy wording and documentation, focusing on cover that responds when you need it.
We negotiate and pursue settlement, staying with each claim until payment or proper resolution.
We help clients secure relevant protection, with personal support throughout the insurance journey.
Eligibility and geographical cover, policy limits and exclusions, provider access and claims requirements.
Brokerage agreements with leading Nigerian insurers.
Relationships with international brokers and reinsurers.
MyHealth International: iPMI for expatriates in Nigeria and their families, subject to the selected plan.
Essential for large-ticket and specialty placements.
Insurance is a promise. We pursue claims from notification through to settlement, advocating for fair, timely outcomes.
How claims work
Practical insurance education and updates from the HAT team.
LifeWhat employers should know about group life cover and how it supports beneficiaries.
Read article →GeneralA simple guide to fire, burglary, all-risk and equipment cover for growing businesses.
Read article →HealthHow independent comparison and programme design improve employee healthcare.
Read article →Tell us what you need to protect and a named HAT broker will quote the market and come back with clear terms and pricing.