CHAPTER ONE
1.1    INTRODUCTION
For quite sometimes, organization have been reaping low profits, the reason for this is not for fetch. They failed to appreciate the significance of an effective communication in an organization, which is the tool or instrument of efficient and effective operation in an organization.
         However, Communication is a crucial element to every organization. Communication is an organization is a primary binder, it binds every department together i.e. marketing department, purchasing department together etc.
    In an organization setting where communication is not effective, it is regarded as wine of the dead”.
    Who can communicate efficiently so as to meet their pre-determine goals and objectives.
    Communication is an exchange of fact, ideals, opinions, information or emotion by two or more people with the sole intention of creation better understanding in an organization. Communication is a process which involves the transmission of accurate information, for the organization.
    More especially, a modern business organization communicate with their customers as well as staffs or employers of their organization in order to bring some gaps and disseminate vital information’s.
       It is necessary for an organization to consider carefully, the nature of and forms of communication that is most appreciate to the customers and employees communication begins with a source from a persons group and organization. A source encodes his or her thought or message in symbols, letter or calls to the receiver. Message is transmitted through telephones, e-mail, notice board etc. receiver is the person who decodes i.e. assign meaning to the symbols which is received. Response is the reaction on the part of the receiver.
Sources: The communication process (pride ferell)
1.1    HISTORICAL BACKGROUND
Niger Insurance Plc was incorporated in 1969 as a private liability company, which was fully owned by British companies, then operating in Nigeria.
      By the indigenization decree of 1973, the company become an investment of the federal government, derived all her interest in the company under the privatization  and commercialization decree. The company is now fully privatized, composite insurance company quoted on the flow of Nigerian stock exchange.
    Currently, Niger Insurance Plc is among the BIG FIVE in terms of total gross premium income.
    Furthermore, this company on an authorized shared capital of #3 billion with a very strong financial reserves to meets its claim.
    Over the years, the company has developed a formidable work force comprising of highly qualified experienced, and well motivated staff both at the top and middle low management cadre. This make it possible to handle most difficult insurance portfolio with ease.
    In recognition of the fact that a person in financial distress, following a loss required immediate support, so the company gives prior attention to prompt settlement of claims. This is made possible due to huge presence and strong asset they have.
     In realization of the need to be flexible, they are often very competitive rate culminating in reasonable and affordable premium. Also, there are numerous discount such as No Claims Discount, voluntary excess discount and plurality discount etc. applicable to specific polices which they offer all in bid to maximized people financial overlays.
    In summary, Niger Insurance plc is committed to offering qualified insurance services.
    Niger Insurance plc writes the following insurance polices, oil and gas, engineering, contractors, all risk aviation, amine, five special peril, wakens compensation, group, personnel accident, goods – in – transit policy, House hold policy and introducing polices to suit the special  needs of their clients.
    The company excellence performance history is been felt and recognized in all facts of the economy.
    To mention just a few, between 1884 – 1996 Niger Insurance plc won the following awards to her credits.
1.    August, 1994 award of excellence from Nigeria stock exchange (NSE) from  being the best company in the insurance sector
2.    December, 1995 Award of excellence from Nigeria stock exchange (NSE) for being the best company in the insurance company institute (WAIT) Banjuli Gambia in recognition of the company’s role in developing  west African sub – region.
3.    April 1996 – Award of excellence from Akwa – Ibom broadcasting cooperation Uyo in recognition of its contribution in social welfare scheme in Nigeria.