There are two types of insurance cover that are compulsory in Ghana:
(a) Motor third party insurance and
(b) insurance of private commercial buildings.
The Motor Vehicle (Third Party Insurance) Act, 1958 (Act 42) makes it a crime to drive a motor vehicle on a public road without insurance covering third party liabilities.
Section 183 and 184 of the Insurance Act, 2006 (Act 724) make the insurance of commercial buildings – both completed and under construction – compulsory.