Business Insurance
A programme of cover that protects your premises, your people, your income, and your liability to customers, built around how your business actually operates.
No single policy covers a business. We build a programme that fits yours.
A trading company, a clinic, and a contractor face very different risks. We start by understanding your operations, contracts, assets, and people, then recommend the combination of covers that protects them without paying for what you do not need.
Many contracts, landlords, and licensing authorities also require specific insurance. We check those obligations so your cover meets them from day one.
The building blocks of business protection.
Property all risks
Buildings, fit-out, machinery, and stock against fire, flood, theft, and accidental damage.
Business interruption
Replaces lost gross profit and pays increased operating costs while you recover from insured damage.
Public and products liability
Claims from third parties injured, or whose property is damaged, by your business or the products you supply.
Professional indemnity
Claims alleging negligent advice, errors, or omissions in professional services.
Workmen's compensation and employer's liability
Your obligations under UAE labour law when employees are injured or fall ill because of their work.
Money and fidelity guarantee
Cash on premises and in transit, and losses caused by employee dishonesty.
Marine cargo and goods in transit
Goods you buy, sell, or move by sea, air, and road.
What different businesses usually need.
| Business type | Essential cover | Often added |
|---|---|---|
| Office and professional services | Property, public liability, professional indemnity, workmen's compensation | Cyber liability, group medical |
| Retail and showrooms | Property including stock, public and products liability, money | Business interruption, fidelity guarantee |
| Trading and distribution | Marine cargo, warehouse property, products liability | Goods in transit, trade credit |
| Contracting and engineering | Contractors' all risks, third-party liability, workmen's compensation | Plant and machinery, professional indemnity |
| Restaurants and hospitality | Property, public liability, workmen's compensation | Business interruption, food contamination |
From review to renewal.
- 01
Risk review
We discuss your operations, visit your premises where useful, and review the contracts that set insurance requirements.
- 02
Market presentation
We prepare a clear submission so insurers price your risk accurately.
- 03
Recommendation
You receive a side-by-side comparison of cover, exclusions, and premiums, with our advice.
- 04
Placement and certificates
We bind cover and issue the certificates your landlord, clients, and authorities ask for.
- 05
Mid-term changes and renewal
We update cover as your business changes and review the whole programme before each renewal.
Is workmen's compensation compulsory?
UAE labour law makes employers liable for compensation when employees are injured at work. Insurance is the usual way to fund that liability, and some emirates and free zones require it.
How is business interruption cover calculated?
It is based on your gross profit and the time it would realistically take to recover. Choosing too short an indemnity period is a common mistake.
Can you insure a newly licensed company?
Yes. New businesses can be insured on projected figures, with the premium adjusted once actual figures are known.
Do you provide insurance certificates?
Yes. We issue certificates of insurance for landlords, clients, and tender submissions.
Need protection for your future?
Global coverage, trusted assurance. Our advisors are available Mon – Sun 9:00 AM – 6:00 PM.