The Federal Fire Service has announced plans to enforce mandatory insurance for buildings nationwide, a move aimed at improving fire safety and mitigating the financial impact of fire incidents on property owners. This initiative seeks to ensure compliance with existing fire safety regulations while providing a safety net for individuals and businesses in the event of fire-related disasters.
Speaking at a recent press conference, the Controller General of the Federal Fire Service, Abdulganiyu Jaji, emphasized the importance of proactive measures in addressing fire risks. “Mandatory building insurance is not just about compliance; it’s about creating a culture of accountability and preparedness,” Jaji stated.
The proposed policy will apply to both residential and commercial properties, requiring owners to obtain fire insurance coverage as part of their building registration and annual certifications. The initiative is expected to complement the Fire Service’s efforts to reduce fire outbreaks and their devastating effects through stricter enforcement of fire codes and regulations.

Industry experts have applauded the move, noting that it aligns with global best practices. Mandatory fire insurance is commonplace in many developed countries, where it serves as a critical tool for managing fire risks and ensuring rapid recovery after incidents.
However, the proposal has also sparked concerns among property owners and stakeholders. Some have raised questions about the affordability and accessibility of fire insurance, particularly for low-income households and small business owners. Others have expressed reservations about the efficiency of enforcement and potential bureaucratic hurdles.
To address these concerns, the Fire Service plans to collaborate with insurance companies, policymakers, and other stakeholders to develop affordable and flexible insurance packages. Jaji noted that public awareness campaigns will be launched to educate property owners on the benefits of fire insurance and the importance of compliance.
The initiative is expected to boost the insurance sector while enhancing public safety. By ensuring widespread adoption of fire insurance, the government aims to reduce the financial burden on victims of fire disasters and promote a more resilient built environment.
As the proposal moves forward, stakeholders are calling for transparent implementation and robust oversight to ensure that the policy achieves its intended objectives without imposing undue strain on property owners. If successfully executed, mandatory building insurance could mark a significant step toward improving fire safety standards and fostering a culture of risk management in Nigeria.
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