Cover Ghanaians have trusted since 1981

Provident was incorporated in February 1981 and opened for business in October 1982 with a starting capital of just GHS 5,000. The ambition was simple and Ghanaian: build an insurer people could actually rely on when things went wrong.

Four decades of disciplined underwriting later, that GHS 5,000 has grown into GHS 122 million in stated capital, a Capital Adequacy Ratio of 389% — more than two-and-a-half times the National Insurance Commission’s 150% minimum — and zero bank debt. In plain terms: the money to pay your claim is there, and then some.

We are a non-life insurer. We cover your car, your home, your goods, your premises, your projects and your people — motor, fire, marine, engineering, liability, bonds and more — through a network of 11 branches from Ring Road Central in Accra to Tamale in the north. We do not sell life or health cover; we do general insurance, and we do it well.

The padlock in our logo and the line beneath it say the same thing our balance sheet does: With Provident, Man You’re Covered.