HAT Insurance Brokers
About HAT

Protection built around you.

HAT Insurance Brokers Limited is a licensed Nigerian insurance broking firm: risk advice, market placement and claims advocacy for corporate, public sector, SME and private clients.

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HAT hat beside two glass towers
Full name
HAT Insurance Brokers LimitedA Nigerian insurance broking company licensed by the National Insurance Commission to transact all classes of life and general insurance business.
Regulation
NAICOM licensed, NCRIB memberAuthorised and regulated by NAICOM, registered with the Nigerian Council of Registered Insurance Brokers and covered by professional indemnity insurance.
Head office
Lagos, Nigeria2, Oluwole Philips Avenue, off Awolowo Way, Ikeja, Lagos. Serving clients nationwide, including the public sector.
Governance
Board and managementThe Board sets strategy, policy and oversight, and the Managing Director runs the firm day to day with the management team.
What we do
Broking and risk advisoryRisk assessment, market placement, premium administration, policy issuance, claims advocacy and renewal management across every class of insurance.
HAT INSURANCE BROKERS LIMITED – authorised and regulated by the National Insurance Commission (NAICOM).

Who we are and how we work

The firm

  • A NAICOM licensed insurance broker operating from Lagos
  • A small, senior team led by the Managing Director
  • Board sets policy and oversight; the Managing Director owns execution
  • Independent of any insurer, bank or group — we quote the whole market

What we do for clients

  • Assess the risk, design the cover and place it with the right insurer
  • Negotiate terms and pricing on the client’s behalf, not the insurer’s
  • Administer policies, premiums, endorsements and renewals
  • Pursue claims from notification through to settlement
Our brand story

The HAT story

Protection

Cover before uncertainty

Responsibility

Duty to the client

Confidence

Advice you can act on

Status

Standing in the market

Why a hat

  • A hat sits above all else
  • It covers the head — the centre of thought, vision and leadership
  • Hats symbolise protection, responsibility, confidence and status
  • At HAT, the same principle applies to risk

What it means for you

  • Families, businesses, homes and health deserve protection before uncertainty strikes
  • We stand between clients and risk with advice and the right cover
  • What a hat does for the head, HAT does for what you value
Professional wearing a hat in a modern office
What a hat does for the head, HAT does for what you value.
Who we are

Mission, vision
and philosophy

01

Our mission

To provide tailored insurance and risk solutions with integrity, technical expertise and personal service — giving our clients peace of mind and financial security.

02

Our vision

To be Nigeria’s foremost insurance broker: personalised, technology-led solutions that lift insurance awareness and penetration across the market.

03

Our philosophy

The client comes first. We are transparent about terms and pricing, independent in our advice, and judged on how we perform when a claim is made.

04

Our promise

Named contacts, quick responses and the whole market quoted — supported by disciplined compliance with NAICOM, NCRIB and statutory obligations.

Insurance is a promise. Our job is to make sure that promise is written correctly, priced fairly and honoured when it is needed.
Our HAT values
H

Honesty

We act with integrity and explain terms and pricing clearly. Our advice remains independent of insurers, banks and groups.

A

Advocacy

We put clients first, with named contacts and responsive service. We represent their interests and pursue claims through to resolution.

T

Technical Excellence

We assess risks carefully and recommend suitable cover, supported by accurate wording and disciplined documentation.

A firm handshake
Our ambition

Our strategic direction

To be Nigeria’s foremost insurance broker: personalised, technology-led solutions that lift insurance awareness and penetration.

Our priorities

Where we are heading

  • Tailored insurance for SMEs, health and specialty risks
  • Wider access through trusted distribution partners
  • Personal advice supported by simple digital service
  • Proactive renewal guidance and claims support
Our strengths

What we bring

  • Technical expertise and hands-on claims management
  • An experienced management team and Board
  • A comprehensive offering across all classes
  • Independence from any insurer or group
Client value

What you get

  • A named contact who understands your needs
  • Technical advice on complex and specialty risks
  • Convenient digital access to policies and service
  • Claims advocacy through to resolution
Our direction: relevant protection, easier access and personal support throughout the insurance journey.

Let’s talk about your cover

Speak to a named HAT broker about your insurance needs.

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