Insurance Made Simple. Claims Made Fair.
Toksum Consultancy & Services helps businesses and individuals cut through insurance complexity with independent advice, hands-on claims support, and practical risk assessment.
Built on Trust & Expertise
Decades of Experience
Senior expertise across Nigerian insurance and risk management landscapes.
Independent Guidance
Unbiased advice strictly in the client’s best interest, free from insurer conflicts.
Claims Advocacy
End-to-end support from initial notification to final fair resolution.
Fast Response
Clear communication channels and timely action when it matters most.
Comprehensive Insurance Support
From complex claims to strategic risk reviews, we cover every angle of your insurance needs.
Claims Handling
Expert management of the claims process to ensure you receive the full entitlement under your policy without unnecessary delays.
Risk Assessment
Detailed analysis of your business risks to identify gaps in coverage and recommend optimal insurance structures.
Client Representation
Acting as your dedicated liaison with insurers, interpreting policy jargon, and negotiating terms on your behalf.
Marine Superintending
Specialized support for marine cargo and hull issues, ensuring oversight during critical incidents and loading operations.
Results That Matter
Selected examples of the type of work we support.
Corporate Claim Support
Supported complex commercial claims through documentation review, insurer engagement, and resolution support, helping clients reach fair and defensible outcomes.
SME Risk Review
Reviewed insurance structures for growing businesses, clarifying exposures and strengthening protection against high-impact operational risks.
Marine & Cargo Support
Provided specialist oversight and incident support for marine-related risk events, helping preserve evidence and reduce avoidable losses.
Client Feedback
"Toksum brought clarity to our chaotic insurance renewal process. For the first time, we actually understood what we were paying for."
Chioma A.
Logistics Director
"Toksum was responsive and thorough. Their claims guidance brought structure and calm to a stressful situation."
Bello O.
Manufacturing CEO
"Professional, discreet, and highly knowledgeable. They identified risks we hadn't even considered. Highly recommended."
Jimmy K.
Real Estate Developer
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