Lagos Tests the Waters with Mandatory Building Insurance
With Lagos introducing compulsory building insurance, attention is on whether the law can curb recurring building collapses, writesEbere Nwoji The Lagos State Government has taken a decisive step towards strengthening
Lagos State has introduced a mandatory building insurance scheme as part of the Nigerian Insurance Industry Reform Act (NIIRA) 2025, aiming to curb recurrent building collapses. This is the first comprehensive state-level implementation of such provisions in Nigeria. The initiative targets roughly 500,000 buildings across the state's 20 local government areas, beginning with public buildings, commercial structures, hotels, schools, and multi-story buildings.
Compliance will be managed through the Lagos State Building Control Agency (LASBCA) using digital tools and geospatial technologies. This move signals a shift from ineffective enforcement under the repealed Insurance Act 2003, which failed to achieve compliance despite numerous building collapses.
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