Nigeria Risk Assessment Country Guide 

Expat life in Nigeria

As the most populous country in Africa, Nigeria is home to hundreds of different ethnic groups. According to the UK Foreign & Commonwealth Office (FCO), expats and tourists should avoid Gombe and Bauchi States, among others. In addition, only essential travel is recommended for several regions, including Kano, Kaduna, Jigawa and Katsina States.

On February 5, 2016, the State Department warns those traveling to Nigeria of the risks and recommends that they avoid all travel to Adamawa, Borno, and Yobe states due to attacks in the northeast area by the terrorist group Boko Haram who have killed or wounded thousands in the past four years. The Boko Haram group who recently pledged allegiance to ISISThe State Department also strongly urges citizens in Nigeria to consider their own personal security and to keep personal safety in the forefront of their travel planning.

In May 2013, the Nigerian Government declared a State of Emergency in Borno, Yobe, and Adamawa States, where current military operations and curfews are in effect.

The risk of civil unrest and demonstrations are high throughout the West African nation. Comprehensive insurance policies are suggested while staying within its borders, and individuals on assignment should never go against their employers' security counsel. 

On August 3, 2016, the U.S. Department of State warned against travel to Nigeria based on risks in the areas of Adamawa, Borno, and Yobe. The state of security in these regions is unstable and fluid. Specifically, The Department recommends against all but essential travel to the following due to the risk of kidnappings, robberies, and other armed attacks:  Bauchi, Bayelsa, Delta, Edo, Gombe, Imo, Jigawa, Kaduna, Kano, Katsina, Kebbi, Kogi, Niger, Plateau, Rivers, Sokoto, and Zamfara. Piracy is also common in the Gulf of Guinea. Travelers should be vigilant around government security facilities, churches, mosques, and other places of worship and large gatherings. Separatist groups and militant groups are also active.

  • Health
  • Safety & Security
  • Terrorism

On June 15, 2016, the CDC issued a watch level 1 for Nigeria due to an ongoing measles outbreak. The CDC recommends that each traveler gets vaccinated for measles and washes their hands frequently and thoroughly. 

On April 12, 2016, the CDC issued a Watch Level 1 for Nigeria due to an outbreak of Lassa fever with more than 166 cases reported and nearly 100 deaths. Lassa fever is a disease spread by rats. People get the disease through direct contact with rat droppings or urine, catching and preparing rats as food, breathing in tiny particles in the air that are contaminated with rat droppings or urine, or direct contact with a sick person’s blood or body fluids. Most people who have Lassa fever have mild symptoms, including a slight fever, feeling tired and weak, and headache. Some people have more serious symptoms like bleeding from the mouth or nose; difficulty breathing; vomiting; facial swelling; pain in the chest, back, and abdomen; and shock. Symptoms usually occur 1-3 weeks after a person has been infected.

On November 16, 2015, the CDC issued an alert level 2 for Nigeria due to an increase in the number of reported cases of polio, which is a disease caused by a virus affecting the nervous system. The CDC recommends all travelers receive their polio vaccinations. 

As of June 2015, there have been 20 cases of Ebola including 8 deaths in Lagos, Port Harcourt. The World Health Organization declared Nigeria free of Ebola virus transmission on Oct 20th, 2014.  

On May 15, 2015, the CDC issued a level 1 watch for Nigeria due to the increase of reported cases of meningococcal disease with 1,346 cases and 50 deaths in the states: Kebbi, Sokoto, and Zamfara. While most infections cause meningitis, they can also affect the blood. The CDC recommends that travelers get the meningococcal vaccination.  

While basic medical facilities are present within the country, the wet season between June and October increases the likelihood of water-borne illness, such as Cholera. Recently, the states of Zamfara, Plateau, Lagos, Ogun, Nassarawa and Oyo have dealt with this disease.

Clements Worldwide offers GlobalCare® health insurance coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism. 

In the event of serious injury or illness, medical transport to another location may be needed in order to receive proper levels of care. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Nigeria.

Source: UK Foreign & Commonwealth Office, World Health Organization, and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

On May 29, 2016, a tricycle taxi triggered an old IED, killing 4 civilians and one soldier who died of his injuries. Two were wounded.

On November 17, 2015, a bombing took place in a farmer's market near a major road in Yola, Nigeria. Red Cross and National Emergency Management Agency (NEMA) have reported 32 dead and 80 wounded. No group has claimed responsibility but Boko Haram is suspected.

The risk of car-jacking while stopped in traffic is high. Public transport is also dangerous, and many taxis and buses lack needed maintenance. With Clements, you could have an international car insurance policy. This level of coverage includes Physical Damage, Third Party Liability, and Excess Liability. Your policy is effective whether you are on the road or parked.

Ships are often targeted for armed robberies and kidnappings in Nigerian waters. In order to guarantee financial protection in the event of piracy, Clements provides a best-in-class Maritime Security insurance, and a dedicated advisor can work with shipping companies right away to obtain the necessary protection.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Nigeria.

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

Nigeria is under constant threat from terrorism. In part due to the uncertain political environment, attacks often pinpoint government, security and educational locations. Incidents have also been reported in areas frequented by foreigners, like restaurants, hotels and marketplaces. 

On October 29, 2016 the Boko Haram carried out two suicide bombings in Maiduguri, Nigeria. The attacks killed 8 individuals and wounding 11 others.

On October 18, 2016 the Fulani Herdsmen were attacked by a mob. In the attack, 14 people were killed and burned to death in the Nigerian state of Kaduna.

On October 17, 2016 Boko Haram claimed that its members had killed 20 soldiers in northeastern Nigeria. Under the name Islamic State West African Province (ISWAP), the group stormed Nigerian and Niger’s soldier’s positions and began fierce clashes. In addition to the 20 killed, 12 others were wounded.

On October 12, 2016 the Nigerian National Emergency Management Agency reported that 18 people had been killed in an explosion in the city of Maiduguri. Fifteen others were injured in the blast.

On October 11, 2016 gunmen suspected of being affiliated with Boko Haram carried out an attack on the Nigerian village of Kwashebe. Five people were killed in the attack and the perpetrators set fire to various structures and livestock during the brief invasion.

On September 26, 2016, several soldiers were killed in Borno and Kaduna as terrorists and gunmen launched renewed attacks related to the Boko Haram Insurgency in the country. In a separate but related event, a Nigerian army officer and 3 soldiers were killed in Maiduguri by Boko Haram militants.

On September 25, 2016, Boko Haram militants carried out a roadside bomb attack in Kaduna State, killing 4 people and injuring 19 others.

On September 19, 2016, gunfire shootouts perpetrated by Boko Haram killed approximately 40 individuals in Malam Fatori.

On September 18, 2016, a suicide car bombing was responsible for the deaths of nine individuals located in Kwamjilari.

On August 22, 2016, Gunmen in the Fulani herdsmen killed 5 people near Godogodo in the Jema'a Local Government Area of Kaduna State.

On August 20, 2016, Boko Haram abducted dozens of people and killed 7 others in the village of Kuruburu.

On August 18, 2016, 10 people were killed in a Christian-majority area of Kaduna state, Nigeria.

On August 13, 2016, Fulani herdsmen killed at least 13 Christians and displaced church members during an attack on a cluster of villages in Kaduna state.

On August 2, 2016, 5 villagers were killed in an attack by Fulani herdsmen in Nigeria's northern state of Kaduna.

On July 12, 2016, a Boko Haram attack in Borno State was repelled by the Nigerian Army resulting in the deaths of 25 militants. Two soldiers were killed during the attack.

On July 10, 2016, militants associated with the Fulani Herdsman, a terrorist organization, killed at least 81 people in Benue.

On July 9, 2016, Muslim extremists attacked and killed a Christian preacher in Abuja.

On July 8, 2016, at least 9 people were killed and dozens were injured after a suicide bombing targeted a Mosque in Borno.

On June 17, 2016, at least 24 people were killed and at least 10 injured after Boko Haram militants attacked a funeral.

On June 15, 2016, at least 4 females were killed and several abducted after many Boko Haram militants attacked a village. Many houses were shot at and burned down. Vigilantes followed the attackers and rescued one of the kidnapped victims after a gun battle, one vigilante was injured.

On March 16, 2016, two female suicide bombers detonate their explosives at a mosque during morning prayer on the outskirts of Maiduguri, Nigeria, killing 22 and injuring 18.

On February 9, 2016, two female suicide bombers kill more than 60 people and another 78 were injured at a camp for displaced people in Dikwa, a city in Borno State, Nigeria.

On January 30, 2016, Boko Haram raided the village of Dalori in Nigeria and killed as many as 100 people in the attack. During the raid, children were abducted and the entire village was burned.

On December 28, 2015 in Maiduguri, 14 female suicide bombers aged 12-18 attempted to simultaneously attack the city. Seven of the bombers were shot dead by Nigerian forces while three managed to escape and detonate themselves in Baderi general area and near a Mosque, killing 26 people and wounding another 85. One of the surviving attackers was apprehended.

On December 12, 2015 in Borno, Boko Haram Islamists, at least some using machetes, attacked residents of the villages of Warwara, Mangari, and Bura-Shika, according to a civilian helping the Nigerian military in its fight against Boko Haram. Thirty were killed, an additional twenty were wounded, and the villages were set on fire, as reported by the vigilante.

On November 18, 2015, two girls, aged 11 and 18, detonated themselves in a busy mobile phone market in Kano, Nigeria, killing at least 15 and injuring at least 123. Boko Haram is suspected. The attack is thought to have been revenge for an earlier call by the Emir of Kano, a traditional leader, for citizens to take up arms against the Islamist militants.

On October 2, 2015, two male and female suicide bombers attacked a police station and bus stop in Abuja, the Nigerian capital killing 18 people and wounding 41 others.

On October 14, 2015, a suicide bomber detonated his bomb in a mosque around Molai area of Maiduguri.

On July 27, 2015, due to a fluid and unpredictable nature of the Adamawa, Borno, and Yobe states in Nigeria, the State Department warns of travel to the region. Risks of kidnappings and piracy remain a high threat. If travel to the area is required, avoid government buildings, churches, mosques, and other places where large groups of people gather like hotels, markets, clubs, and shopping malls.

From July 1-2, 2015, terrorists from Boko Haram, extremist organization, attacked several mosques and homes in Kukawa, Nigeria. The first attack left 48 men and boys dead with 17 injured while the second attack killed more than 100 men, women, and children and countless others injured. 

On September 20, 2015, Boko Haram executed a series of attacks in the north eastern city of Maiduguri. The four car bombings and suicide attacks targeting market places and mosques killed at least 54 people and injured 90 others. 

in April and May 2014, Boko Haram Boko Haram, was responsible for the two improvised explosive device attacks, resulting in over 100 deaths.

In 2013, Boko Haram reportedly kidnapped 7 foreign nationals, with one British construction worker killed. In 2011, Boko Haram claimed responsibility for an attack on the United Nations building in Abuja, resulting in the death of 23 people. The Ansaru group, a loose Al Qaeda affiliate, has often targeted Europeans. As a result, the organization has kidnapped 8 hostages since 2012, and might be responsible for the deaths of others.  

Kidnapping of women, children, and foreigners is common in Nigeria. In the northern states, over 200 school girls were kidnapped and women are forced into marriage as "slave brides". Since 2007, hundreds of foreign nationals have been kidnapped near the Niger Delta region resulting in deaths. In 2013, U.S. citizen missionaries and foreign nationals involved in polio vaccination efforts received threats. 

Oil and gas industries may be ideal targets for armed attacks. Clements provides comprehensive Kidnap and Ransom coverage. These policies include financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

In addition to Clements' Kidnap and Ransom solution, we provide a War and Terrorism extension for a number of policies. This offers the right coverage against the risks of civil unrest, war, riots, looting, and acts of terrorism. 

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in Nigeria.

Source: UK Foreign & Commonwealth Office, U.S. Dept of State, and Clements Worldwide

Contact a Clements Representative for Insurance Solutions