Calculate Your Estimate
▾| Cover Type | Premium Range |
|---|---|
| Fire Insurance | — |
| Burglary / Theft | — |
| Public Liability | — |
| Professional Indemnity | — |
| Goods in Transit | — |
| Total | — |
Ghana Business Insurance Estimator — What You Need to Know
Estimate business insurance costs in Ghana. Calculate fire, theft, public liability, and goods in transit premiums for your SME. Use this free calculator to get a quick estimate before contacting insurance providers.
Ghana mandatory third-party motor insurance was raised to GHS 530/year for private saloon cars (taxis GHS 637) in 2025. NHIA (formerly NHIS) is funded through 2.5% VAT levy plus 2.5% of SSNIT contributions. Major insurers: Enterprise Insurance, SIC, Star Assurance, Hollard Ghana. The market is regulated by NIC (National Insurance Commission), with insurance penetration at 1.2% of GDP.
Disclaimer: These are estimates based on market data and published rates. Actual premiums depend on individual circumstances, insurer assessment, and negotiation. Always get formal quotes from licensed providers.