Cover for UAE companies: property, liability, and the people you employ.
Business insurance in the UAE bundles the cover a company needs: property and contents, public and product liability, professional indemnity, and employee benefits like group medical and workmen's compensation. Some covers are legally required, like employee health and workmen's cover; others protect the business from claims. Compare what each policy includes against your actual risks.
The points that decide whether the cover is worth it.
Premises, stock and equipment against fire, theft and damage.
Public, product and employer's liability for claims against you.
Group medical and workmen's compensation, often legally required.
Lost income if you cannot trade after an insured event.
Some parts are. Employers must provide compliant health cover for staff in Dubai and Abu Dhabi, and workmen's compensation is required. Property and liability cover are not legally required for most firms but are often demanded by landlords, lenders and clients.
Public liability covers claims from third parties for injury or property damage linked to your business, for example a customer hurt on your premises. Limits and exclusions vary, so check the policy schedule.
Yes. Many UAE insurers offer SME packages that bundle property, liability and sometimes employee cover into one policy. Compare the bundled limits against buying each cover separately.
A packaged SME policy is convenient, but the limits matter. Compare what each bundle actually covers.
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