Group Life
Life cover for employees that pays a benefit to their beneficiaries if the unthinkable happens, arranged under one policy for the whole group.
Learn more →Insurance products
Coverage options at a glance.
Browse the products HAT places across Life, General and Health insurance, and see which covers suit each type of client.
20Products
3Classes
8Insurer partners
All products
Find the right cover
Filter by class, then open a product to see what it typically includes and who it is for.
Credit Life
Cover linked to a borrower’s outstanding loan, settling or reducing the balance following an insured event.
Learn more →Individual Term Life
Life protection for a specified period, giving your family a financial safety net while they depend on you.
Learn more →Savings-linked Life
Life protection combined with a savings component, so you build funds towards future goals while staying covered.
Learn more →Annuity
Regular income in retirement, paid according to the selected annuity terms.
Learn more →Fire & Special Perils
Protection for buildings and contents against fire and a range of specified perils.
Learn more →Burglary & Housebreaking
Cover for loss of or damage to property following theft involving forced entry.
Learn more →Motor Insurance
Cover for private and commercial vehicles, from a single family car to a working fleet.
Learn more →Marine Cargo & Goods-in-Transit
Cover for goods while they move, whether across borders by sea or air, or within the country by road.
Learn more →Property & All Risk
Broad protection for business property against accidental loss or damage, going beyond named perils.
Learn more →Electronic Equipment
Cover for computers, servers, medical devices and office electronics against accidental damage and loss.
Learn more →Contractor & Plant All Risk
Cover for construction works, plant and machinery on site.
Learn more →Oil & Gas and Energy Risks
Specialty energy risks placed through co-broking and reinsurer support.
Learn more →Travel Insurance
Accident and travel cover for local and international journeys.
Learn more →Media Liability
Cover for claims arising from content errors, intellectual property disputes and defamation.
Learn more →Cyber & Data Liability
Cover for the financial impact of cyber incidents and data breaches.
Learn more →Cameras, Production Equipment & Business Property
Cover for the equipment creators and production teams depend on.
Learn more →Corporate HMO
Local HMO cover for employees and dependants. HAT compares providers, supports programme design and monitors service.
Learn more →Private HMO
Individual and family HMO products planned for digital distribution channels, supported by personal advice.
Learn more →Expatriate iPMI
International private medical insurance through APRIL MyHealth International, for expatriates living and working in Nigeria and their families.
Learn more →Cover by client type
What suits you?
A starting point for the conversation. Your broker will tailor cover to your exposures.
| Client type | Cover to consider | How HAT helps |
|---|---|---|
| Individuals & families | Individual Term LifeSavings-linked LifeAnnuityMotor InsuranceTravel InsurancePrivate HMO (planned) | Simple, fast cover for individuals, sold digitally where available. |
| Small businesses (SMEs) | Fire & Special PerilsBurglary & HousebreakingProperty & All RiskElectronic EquipmentGroup LifeCorporate HMO | Diagnostic-led bundles that fit the way a small business operates. |
| Corporate | Group LifeCorporate HMOProperty & All RiskMarine CargoMotor fleetsCyber & Data Liability | Programme design, placement and claims handling for multi-class covers. |
| Public sector | Group LifeMotor InsuranceProperty & All RiskContractor & Plant All Risk | Tender-ready through BPP, NSITF, ITF, PENCOM and tax registrations. |
| Healthcare providers | Professional indemnityGroup health (HMO-backed)Electronic EquipmentProperty & All Risk | Professional indemnity, HMO-backed group health and asset cover for care providers. |
| Education | PropertyLiabilityGroup LifeElectronic Equipment | Property, liability and group life programmes for schools and institutions. |
| Oil & gas | Oil & Gas and Energy RisksMarine CargoContractor & Plant All Risk | Specialty energy risks placed through co-broking and reinsurer support. |
| Creators & digital businesses | Media LiabilityCyber & Data LiabilityCameras & Production Equipment | Cover for content, data and the equipment creators depend on. |
Not sure what you need? Tell us what you want to protect and we will assess your exposures and recommend suitable cover. Policy terms and underwriting apply.
Ready to protect what matters most?
Tell us what you need to protect and a named HAT broker will quote the market and come back with clear terms and pricing.