Liability Insurance for UAE Businesses
✓ Since 1995 · ✓ Central Bank of the UAE Reg. No. 081 · ✓ Compared across leading UAE insurers
Protection against third-party claims and legal costs
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- Medical Malpractice Insurance
- Products Liability Insurance
- Public Liability Insurance
- Workmen's Compensation & Employer's Liability
What's Covered
Liability Insurance protects your business against claims from third parties for injury, property damage, or professional error. Public Liability covers claims arising from your business premises or operations. Products Liability covers harm caused by something you manufactured or sold. Workmen's Compensation and Employer's Liability cover injury to your own staff, and Medical Malpractice covers claims against healthcare professionals for treatment errors.
Who Needs It
Any UAE business that interacts with the public, employs staff, manufactures or sells products, or provides professional or medical services carries liability exposure. Under UAE Labour Law, every employer is liable for work-related injuries to its staff, so Workmen's Compensation cover is strongly recommended, and many commercial contracts require proof of public liability cover before work can begin.
Why Go Through Al Berwaz
Al Berwaz compares liability cover across leading UAE insurers to match your policy limits and terms to your actual business risk. We help you meet contractual insurance requirements and support you through claims if a third party brings a case against your business.
Employ staff in the UAE? Read our employer guide to workmen's compensation and what the labour law requires →
Got questions? We've got answers
Straight answers to what business owners and contractors ask us most about liability and workmen's compensation insurance in the UAE.
Ask Us a QuestionIs workmen's compensation insurance mandatory in the UAE?
No, the insurance itself isn't legally mandatory. Under UAE Labour Law, every employer is liable to compensate employees who are injured, fall ill or die because of their work, whether or not they're insured. Without insurance, the employer pays these costs directly, so cover is strongly recommended. It's also often required by clients when signing contracts or bidding for tenders.
What's the difference between workmen's compensation and employer's liability?
Workmen's compensation covers the compensation employers must pay under UAE labour law for work-related injury, illness or death. Employer's liability covers claims beyond that, such as when an injured employee sues the company for negligence. The two are usually combined in one policy.
What's the difference between public liability and workmen's compensation?
Workmen's compensation covers your own employees. Public liability covers everyone else, such as customers, visitors or members of the public, if your business activities injure them or damage their property. Most businesses need both.
What does products liability insurance cover?
Products liability covers claims if a product you make, supply or sell causes injury or property damage. It's important for manufacturers, importers, distributors and retailers, since the liability can follow the product long after it's sold.
Do tenders and contracts require liability insurance?
Very often, yes. Government entities, developers and large companies usually require contractors and suppliers to hold public liability and workmen's compensation cover before signing a contract or awarding a tender. There's no standard limit of indemnity: the limits required depend on the principal (the client awarding the contract) and the project. We review the contract wording and arrange cover that matches it.
What is medical malpractice insurance?
Medical malpractice insurance covers doctors, clinics and hospitals against claims that their treatment caused a patient harm through error or negligence. It pays legal defence costs and compensation, and healthcare regulators in the UAE generally require licensed professionals to hold it.
How is the premium for liability insurance calculated?
For workmen's compensation, the premium is calculated on your employees' wages, with the rate depending on the type of work your business does and the employer's liability limit you choose. Public and products liability are usually priced on your turnover, business activity and the limit of cover. Your claims history also affects the price.
✓ Serving Abu Dhabi businesses since 1995
✓ Licensed by the Central Bank of the UAE (Reg. No. 081)