UAE Products

CONSTRUCTION LIABILITY INSURANCE
Under Article 880 of the Federal Civil Law of 1985, it is obligatory for the main Contractors and Design Consultants to indemnify cost of rectifying structural defects appearing in a building or installation for a period of ten years from completion of the works.  Though Decennial Liability falls outside the scope of standard Contractors' All Risks or Professional Indemnity Insurances, such insurance can be arranged.

DIRECTORS' & OFFICERS' LIABILITY

ENVIRONMENTAL LIABILITY

GENERAL THIRD PARTY LIABILITY INSURANCE
Premium rates are generally low in view of the low claims ratio.  However, the portfolio is profitable though it is small. In some Free Zones, it is obligatory to purchase Public Liability Insurance.

MEDICAL EXPENSES INSURANCE
In the Emirate of Abu Dhabi, it is compulsory that employers arrange Medical Expenses insurance for their expatriate employees.

MOTOR THIRD PARTY LIABILITY
Statutory obligation is imposed for purchasing Motor Third Party Liability Insurance - unlimited for bodily injury and a maximum of AED 250,000 for material damage.

PRODUCTS LIABILITY

PROFESSIONAL INDEMNITY
Statutory obligation is imposed on Insurance Brokers for Professional Liability cover with a minimum limit of AED 1,500,000.

WORKMEN'S COMPENSATION INSURANCE
In some Free Zones, it is compulsory to purchase Workmen's Compensation Insurance.
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