Employer guide: NSITF, group life & business insurance 2026
For employers in Nigeria: registering with NSITF and paying 1% of payroll, the group life cover the Pension Reform Act requires, and the other covers a business must hold.
No sign-up, no form: nothing about you is collected.
Who this guide is for
- You employ staff in Nigeria
- A client or tender asks for your NSITF certificate
- You need to buy or renew group life cover
What is inside: table of contents
The PDF puts together 4 guides of Tulinde Nigeria, word for word: each chapter opens with its short answer, then the full sections, the frequently asked questions and the date it was last reviewed. All 12 sources — the laws, the regulator and the official documents each fact comes from — are listed at the end, with their links.
- Business insurance in Nigeria: the covers the law requires
The employer checklist · Builders' and occupiers' liability · Buying cover for the business
Reviewed 31 October 2026 · 2 questions · 8 sources
- NSITF registration and the Employees' Compensation Scheme
Employers: register and pay · Workers: what the scheme pays and how to claim · Contact NSITF
Reviewed 31 October 2026 · 4 questions · 4 sources
- Group life insurance in Nigeria: what every employer must buy
The rules, point by point · When an employee dies
Reviewed 31 October 2026 · 3 questions · 3 sources
- NSITF contribution and group life minimum calculator (Nigeria)
The rules the calculator uses
Reviewed 31 October 2026 · 2 questions · 3 sources
Look inside
Two pages of the PDF exactly as you will get it: the contents page and the first page of chapter 1.
Who writes it
Tulinde is an independent guide run by Takat AI. It is not an insurer, a broker or an agent, and it does not rank or rate insurers. Every fact comes from a primary source listed in the guide. Read how we check facts.