What Does Activ’Lady Insurance Cover in Ghana? A Guide to Fire, Flood, Burglary and Accident Protection

The programme was designed around the risks that Ghanaian women entrepreneurs actually face. Here is exactly what the policy protects, and what it does not.

The Core Coverages: What Is Protected

Activ’Lady provides insurance protection across four primary risk categories, tailored to the needs of women entrepreneurs, traders, and business owners .

Fire and Allied Perils

Fire is one of the most devastating risks for any business. A single outbreak can destroy stock, equipment, and premises in hours. The Activ’Lady packages cover damage caused by fire and allied perils—which typically includes explosions, lightning, and storms .

This coverage applies to your business premises, whether that is a market stall, a workshop, a shop, or an office. It protects the physical structure and the contents within it, including inventory and equipment.

Flood Protection

Accra’s recurring floods are a well-documented risk, and Activ’Lady explicitly includes flood cover in its packages . This is significant because many standard commercial insurance policies in Ghana either exclude flood or require it as a costly add-on.

For a trader whose stock is stored at ground level in a flood-prone market, or a business owner whose premises sit in a low-lying area, this coverage is not theoretical. It is practical protection against a risk that materialises every rainy season.

Burglary and Theft

The programme covers losses from burglary and theft . This includes break-ins at business premises, market stalls, workshops, and offices.

One client of the programme, Ann Asem, who runs Blessed Queens and Kings Academy, received a payout after burglars broke into her school and stole computers, cameras, and other items . The coverage is designed to respond to real incidents like this.

Personal Accident

Activ’Lady includes personal accident cover for the business owner and, in the more comprehensive packages, for employees .

This coverage responds when the insured person suffers accidental injury, providing financial support for medical costs, recovery, or loss of income. For a self-employed woman who is the primary driver of her business, a personal accident can be as disruptive as damage to the business itself.

The Two Packages: Boom and Biz

Activ’Lady is not a single product. It is a programme with tiered packages designed for different segments of women .

Activ’Lady Boom

This is the entry-level package, designed for traders and market women. It covers :

• Fire

• Burglary

• Personal accidents

• Damage to home contents

The inclusion of home contents coverage reflects the reality that for many market traders, the boundary between home and business is thin. Goods stored at home are part of the business inventory.

Activ’Lady Biz

This is the comprehensive package for women who own or lead small and medium-sized enterprises. In addition to everything in Boom, it includes :

• Goods and cash in transit – protection when goods or money are being moved between locations

• Employer liability – coverage if an employee is injured or becomes ill as a result of work

• Public liability – coverage if a member of the public is injured or their property is damaged in connection with your business

The Biz package is designed for businesses with premises, employees, and operations that extend beyond a single market stall.

The Embedded Value Additions

What distinguishes Activ’Lady from standard commercial insurance is not just what it covers, but what comes bundled with the policy. These embedded benefits address the personal and family disruptions that can derail a woman’s business .

Maternity Leave Stipend – The insured woman receives the equivalent of two months’ allowance for maternity leave. This is not a medical benefit. It is working capital—recognition that a business owner who takes time off to give birth still has rent to pay, stock to replace, and staff to pay.

Bereavement Support – A similar two-month stipend is provided in the event of the loss of a spouse. This acknowledges the financial disruption that follows a death in the family, particularly for women who may shoulder additional responsibilities.

Health Insurance Cards – The insured woman and two beneficiaries of her choice receive National Health Insurance cards. This extends the protection beyond the business to the family.

Legal and Financial Services Access – Through a partnership with AXA Partners, Activ’Lady clients gain access to a legal platform with document templates and legal assistance for business and personal matters .

What to Verify Before You Buy

The exact coverage limits and exclusions. The programme summary describes the categories of risk covered, but individual policies will specify sums insured, deductibles, and exclusions. Ask your Activ’Lady adviser for the policy wording and confirm what is and is not included.

Whether your specific business type qualifies. The programme is designed for women entrepreneurs, traders, and professionals. Some high-risk business categories may have different terms.

The claims process. Understand how to file a claim, what documentation is required, and how long settlement typically takes which it is best to go through a brokerage company like Oxbridge Insurance Brokers Ltd

The adviser’s credentials. Activ’Lady Advisers are recruited and trained specifically for the programme . Confirm your adviser is authorised to sell Activ’Lady products

Quick Facts

Frequently Asked Questions

1. What does Activ’Lady insurance cover?
Activ’Lady covers fire, flood, burglary, and personal accidents. The Biz package also includes goods in transit, employer liability, and public liability .

2. What is the difference between Activ’Lady Boom and Activ’Lady Biz?
Boom is the entry-level package for traders and market women, covering fire, burglary, personal accidents, and home contents. Biz is the comprehensive package for SME owners, adding goods and cash in transit, employer liability, and public liability .

3. Does Activ’Lady cover flood damage?
Yes. Flood cover is explicitly included in the Activ’Lady packages .

4. Does Activ’Lady cover burglary and theft?
Yes. Burglary and theft are among the core coverages .

5. What is the maternity benefit in Activ’Lady?
The insured woman receives the equivalent of two months’ allowance for maternity leave. This is working capital support, not a medical benefit .

6. Does Activ’Lady include health insurance?
Yes. The insured woman and two beneficiaries of her choice receive National Health Insurance cards .

7. Does Activ’Lady cover goods in transit?
Yes, but only in the Activ’Lady Biz package. The Boom package does not include goods in transit coverage .

8. How do I sign up for Activ’Lady insurance?
You can contact Activa International Insurance Ghana at 050 128 2184 or 0302 686 352, or via WhatsApp at 025 737 0377. You can also dial *713*313# for some products.

9. Is Activ’Lady available to women outside Accra?
The programme is distributed through Activ’Lady Advisers and partnerships with organisations like the Makola Foundation and market trader associations . Coverage is available nationwide through Activa’s distribution channels.

10. What is Lady Drive?
Lady Drive is a motor insurance package launched in 2025 as an extension of Activ’Lady. It is designed specifically for women drivers and includes free towing, coverage for domestic accidents, and an expanded third-party property damage limit

Source: Accra Street Journal

Last Updated on September 30, 2026 by Samuel Kwame Boadu

Samuel Kwame Boadu

Samuel Kwame Boadu is a Ghanaian media entrepreneur and storyteller with a passion for amplifying urban voices and uncovering everyday truths. He is the Editor-in-Chief and Founder of Accra Street Journal, a dynamic digital platform dedicated to capturing the pulse of Ghana’s capital—its people, culture, challenges, business, sports and innovations.

accrastreetjournal.com/