As 2016 seems set to be a season of fire outbreaks, are you covered?

Aug 26, 2016

According to the ‘World Life Expectancy’ report, Nigeria currently ranks number one globally for deaths by fire.

In 2015, Lagos State recorded 1,898 fire incidences in which 80 people perished, according to BusinessDay report on December 30th, 2015.

Fire disasters are not limited to Lagos State alone. Places like Sapele, Kaduna, Benin, Kano, Sokoto, Minna, Yola, Nasarawa, Ibadan, Ado-Ekiti and Onitsha, have also experienced great losses from fire.


Old house well a blaze as fire men start to put is out.

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According to the Red Cross, once a fire has started, you have only two minutes to make your escape. This statistic is the more shocking, given that many fires start overnight when members of the household are sound asleep, with 60 per cent of these deaths occurring in houses without smoke alarms.

In other words, installing smoke alarms, and testing them regularly to ensure that they are in good working order, usually makes the difference between life and death.

To be protected from fire, one might need to install an effective smoke alarm in the house or office and create a comprehensive floor plan with at least two escape routes, in every room.

Also, fuel for generators and gas cylinders should be placed out of harm’s way.

Fire-fighting equipment such as fire extinguishers and fire blankets must be kept within easy reach.


Having survived the fire, what’s next?

As you look on the smoking ruins of what had once been your home or office, you can at least take solace in the knowledge that Leadway Assurance is at hand to help you rebuild your life.

Leadway Household, Automobile and Personal Accident Policy – L-HAPPy – is a one-premium, multiple-cover policy which provides protection for buildings and their contents against fire, lightning, limited explosion, malicious damage, strikes and riots, and natural disasters.

L-HAPPy reimburses the cost of the property damaged, along with medical expenses for up to six members of a household, notably spouses, children, house-help(s) and even relatives who happen to be staying with you.


insurance concept

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Given the realities of today’s economy, the L-HAPPy cover payment is flexible as it can be made monthly, quarterly, semi-annually or annually by whichever method suits you best: online (e-payment), in cash or by cheque to a certified agent.

Call our customer care service on: (01) 2800 700, or email: to get your cover now.

You can also visit: http://


[1] LeDuc Media, ‘World Life Expectancy’, (World Health Organisation -WHO: May 2014)

[2] Rasak Fadipe, Director of the Lagos State Fire Service; ‘Fire guts Alaba market, kills octogenarian in Ikorodu’, – January 8, 2016

[3] The American National Red Cross, ‘Home Fire Safety” (

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