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Personal / Group Accident

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THE COVER           
The policy protects the Insured against loss or damage as a result of death or bodily injury casued by accident, violence, external and visible means independent of any other cause. It is a benefit policy and is not subject to the principle of indemnity. (An insured may not be compensated by the insurance company in an amount exceeding the insured's economic loss.)


Under this policy we have: -
1.    Personal accident
2.    Group personal accident

The distinction between the two is that whereas the Personal Accident Policy is issued to an individual, Group Personal Accident Policy is issued to a number of persons, normally the employees of a business. The policy is taken by the organization which is the umbrella person on behalf of its employees.

For the Insurer to be liable under this policy, the injury must be accidental and the accident must be:

  • Violent: The smallest degree of violence is sufficient to satisfy the requirement of the contract.
  • External: The cause must arise from outside the body, but internal injury is sufficient to give rise to a valid claim if caused by external means.
  • Visible: The triggering cause of injury must be visible, if this were constrained in its popular sense it would exclude the inhalation of an invisible gas, however if a man who was running for a bus dropped dead from heart failure, the insurer will not be liable because no injury was caused by external and visible means.


  1. Death: Death must be as a result of the above. Benefits could be fixed or based on multiples of annual salary.
  2. Permanent Disablement: Regarding total paralysis or injuries resulting in being permanently bedridden and any other injury causing total disablement. It should be noted that for a person to be regarded as being permanently disable, the injury must not only be permanent i.e. without chance of recovery but must also involve a total loss of ability to earn income.
  3. Medical Expenses: This is to cover medical, surgical and hospital expenses (including operation fees, cost of medicine, surgical appliances and hospital or nursing home charges) necessarily incurred and expended in connection with any injury by accident within the meaning of the policy. The medical expenses limit to be covered is to be selected by the insured.
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SIR EMEKA OFFOR ( Chairman )

Sir Emeka Offor is the Group Executive Vice Chairman of Chrome Group. A dynamic and articulate entrepreneur with nearly three decades of business experience, he has built a vast business empire with interests in oil and gas, insurance, power sector, telecommunications and logistics, both in Nigeria and overseas.

Our Chairman is a member of the board of directors of many blue-chip companies among which are Chrome Oil Services Limited, Chrome Engineering and Environmental Services Limited, Choffan Communications Limited and Nimek Investments Limited, Kaztec Engineering Limited, Global Scansystems Nigeria Limited.

Until recently Sir Emeka Offor was the chairman of the board of ERHC Energy Inc., USA; a Houston, United States of America based independent Oil and Gas Company focused on oil and gas exploration, and production in the Gulf of Guinea. He has been honoured by many corporate bodies, nongovernmental organisations, governments and countries. He was honoured a few years ago by the Romanian Consulate in Nigeria for his invaluable contribution towards the development and enhancement of bilateral relations between Nigeria and Romania.

This benevolent and amiable billionaire businessman established the Sir Emeka Offor Foundation – a nongovernmental organisation, a couple of years ago. The Foundation seeks to alleviate the suffering of the less privileged in society through philanthropy, but focusing primarily on giving succour and hope to the hopeless.

He is a member of the governing board of Books for Africa worldwide.
He is happily married with children.


MR. FRED NNAMDI UDECHUKWU ( Alternate Chairman )

Mr. Fred Udechukwu is a well respected Nigerian. He holds a B Sc. in Economics from the University of Ife in 1980 and an M Sc. in Economics from the University of Lagos in 2001.

His work experience spans over 24 years in the banking sector. He was Commissioner of Finance Anambra state from 2000 to 2001. Currently, Mr. Udechukwu is on the Board of many blue chip companies including Niger Insurance Plc. He brings his acute analytical mind of a distinguished economist to bear on the quality of debate of the Board.

Mr. Udechukwu is a highly traveled, Administrator and a stickler for best practices in corporate governance. He has made invaluable contributions to the development of Guinea Insurance Plc.


POLYCARP DIDAM(Managing Director /CEO)

Polycarp started his Insurance career with Valid Assurance Co. Limited (then United Trust Ins. Co. Limited) in 1987 as Underwriting Officer and then moved on to Commercial Insurance Brokers and Afribank Insurance Brokers in different capacities before joining Industrial & General Insurance Co Limited in 1993 where he worked for ten years as the Head of Northern Operations.

His last employment was with Mansard Insurance Plc. where he was the Asst. General Manager in charge of Infrastructure & Public Sector Group. He served this organization for 9 years and helped in transforming the company to the Position of a leader in the Insurance industry.

He has over 20 years' experience in the Insurance Marketing, Underwriting and Insurance Broking. Polycarp is an alumnus of the prestigious Lagos Business School. He is an Associate of the Chartered Insurance Institute of Nigeria and London, Member- Nigeria Institute of Management and holds MBA in General Management from ATBU, Bauchi.

The Board appointed him as the MD/CEO in August 2013 to help turn around the fortunes of Guinea Insurance and reposition the company for growth and profitability.



HRH Nze E. O. Smart Nze is an industrialists whose business empire transverses Construction, Cosmetics, Industrial Plastic Manufacturing etc. Today, HRH Smart Nze is the Chairman/CEO of Edysmart Nigeria Limited, Dallas Cosmetic Industries, Afritech Construction Co. Ltd.

HRH is an alumnus of the National school, Stockport, England where he obtained a diploma in Sales and Marketing

HRH Smart Nze was installed Traditional Ruler of Amakohia-Ubi Autonomous Community in Owerri West Local Government Area of Imo State in 2004, crowned the Mayegun of Imobi Land in Ijebu East Local Government Area Ogun State in 1996 for his commitment to the development of our nation and his Scholarship foundation awards scholarship to the less privileged from every part of the country.



Engineer Agusiobo Emeka is enjoying an illustrious career in Surveying Engineering as the Principal Partner Valenz Holdings Limited (Engineering Consultants and Contractors).

It is this strong spirit of entrepreneurship he has brought to bear on the collective effort of the Board to move Guinea Insurance Plc to the world stage in provision of excellent insurance services.



He is a Graduate of University of Ibadan, (1971-1975) B.Sc.(Forestry) 2nd Class Hons, Upper Division, University of Washington, Seattle W. A. (1977-1978) and (1979-1981), M.S. Forest Resources (1978 specializing in Pulp and Paper Technology), Ph.D. Forest Resources (March 1981 specializing in Wood Utilization Technology)

Prof. Nnabuife is unarguably a top-drawer intellect who has been Consultant of International Agencies and Universities across the globe. He is an erudite scholar and has authored many papers and books. He is currently Dean of the faculty of Agriculture, Nnamdi Azikiwe University Awka.


ALHAJI A.O. KADIRI ( Director )

Alhaji A.O Kadiri obtained his HND (Accounts) 1983, FCA 1990, FCTI 1999, MBA UNIBEN 1998. His work experience spans over 30 years post graduate and 20 years post professional experience.

He was the Audit Manager Uthman Audu Ekhar & Co(Chartered Accountants) , Asst. Chief & Head internal Audit UBTH and to date he is the Principal Managing Partner Abdukerim Kadiri & Co ( Chartered Accountants)


ISIOMA OMOSHIE ( AGM, Regional Director, Legal & Corporate Services )

Isioma Omoshie is our Company Secretary/Legal Adviser. She studied law from the University of Benin (UNIBEN) where she bagged an LLB in 1988 and received her BL from theNigerian Law School in 1989. She is one of the professionals who has passed through the crucible of private practice and company secretarial duties for well over 21 years.

She started out her legal practice in 1989 and moved to UBA Plc in 1997. She ventured to private legal practice from 2002 and in 2009, resumed in Guinea Insurance Plc as her Company Secretary.

A great team player, Isioma's erudition has brought fresh perspective and unique quality to Guinea's management team.