General Accident Insurance for UAE Businesses

General accident is a group of covers that protect a business and its employees against everyday risks outside the main property and liability policies. At Al Berwaz, this includes money insurance, fidelity guarantee, group personal accident and group travel insurance.

Money insurance covers loss of cash, cheques and other money through theft or robbery, both while it's on your premises, such as in a safe or till, and while it's being carried to or from the bank. Many policies also cover damage to safes and injury to employees during a robbery.

Fidelity guarantee covers financial losses caused by employee dishonesty, such as theft, fraud or embezzlement of money or goods. It can cover named employees, specific positions like cashiers and accountants, or your whole workforce.

Group personal accident (GPA) pays fixed benefits to employees who suffer accidental death, permanent disability or temporary disablement. Cover can apply during working hours only, or 24 hours a day worldwide, and it's a valued employee benefit alongside medical insurance.

No. Workmen's compensation covers your legal liability as an employer when employees are injured at work under UAE labour law. Group personal accident pays agreed benefits for accidents whether or not anyone is at fault, and can cover accidents outside work too. Many employers carry both.

Group travel insurance covers employees travelling on business under one annual policy, instead of buying cover for every trip. It typically includes emergency medical treatment and evacuation abroad, trip cancellation and disruption, and lost baggage.

It depends on the cover. For money insurance, insurers look at the amounts held and carried and your security measures. For fidelity guarantee, the number of employees, their roles and your internal controls. For group personal accident, headcount, occupations and benefit levels. For group travel, how often employees travel and where.