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This policy is designed to protect the employer from their liabilities to their workforce/employees with regards to injuries suffered in the course of their employment as per Labour Law/ Workmen’s Compensation Ordinance.

In the UAE, compensation is governed by Chapter 8 of Federal Law No.1980. The main benefits are:

• Occupational Death
• Permanent Disability
• Loss of wages (cash allowance)
• Medical Expenses

This policy provides an all risk coverage to properties for loss/damage due to any misfortune or accident besides the ones specifically excluded under the policy. When compared to the conventional Fire Policy, the Property All Risks Policy covers accidental damage to insured property in addition to the Fire & Allied Perils and Burglary.

Even though Public and Product Liability Insurance is voluntary for businesses, it is an investment that may save you a lot more money in the future. It covers you against any claims made against your business as well as legal costs associated with defending these claims. An example would be if you were held legally liable for personal injury or damage done to property etc.

Hull and Machinery Insurance covers ocean going as well as coastal vessels such as:

• General Cargo
• Bulk Carriers
• Oil Tanker
• Tugs
• Barges
• Dredgers
• Seismographic Vessels
• Different special purpose vessels
• Fleets

Applying for GLPA provides corporations with two benefits:

• Improves employee benefits
• Caters to workmen’s compensation requirements, both as per the UAE labor law

Health insurance policies are tailor-made to the requirements of clients. We offer local, regional or global coverage and varying levels of provider network and flexible annual limits that can be customized per person. In addition, we also offer direct billing, so there is no need for employees to pay upfront within the provider network for any medical expenses other than the agreed deductible/co-insurance fee.

Like all traders, gold merchants are aware of the risk involved in the commodity that they trade in. Gold and jewellery, in general, attract a lot of attention and the high risk of loss and damage demands extra security. However, no matter what securities are exercised the risk of loss is not completely eliminated. This is where insurance becomes a solution for providing coverage. Under this policy the word “stock” means goods consisting of:

• Gold
• Jewellery
• Platinum goods
• Bullion
• Precious stones
• Pearls

This policy covers all moveable and immoveable items at insured properties at specific locations. They are as follows:

• Buildings
• Plants and Machinery
• Equipment and Accessories
• Stock in Trade
• Other contents such as Furniture, Fixtures, Fittings, Office Equipment etc.

This policy offers comprehensive and adequate protection against all the risks involved:

• The erection of machinery,
• Plant and steel structures of any kind,
• Third-party claims in respect of property damage
• Bodily injury arising in connection with the execution of an erection project.

Clubs, golf balls, ball markers, tees, gloves, shoes. Have all of these in your golf bag? Seems like you’re all set, right? Wrong. As fun as golf is, it can also be an expensive sport if your clubs get stolen or damaged. Not to mention the substantial costs you have to pay when a loose swing causes injury to another player on the course. Your golf bag is definitely incomplete without your copy of Golf Insurance.

This policy is a pay out to the directors and officers of an organization, or to the organization itself to cover losses incurred due to lawsuits for alleged wrongful acts.

Credit insurance provides a business with protection against the failure of a customer to pay their trade credit debts. This can arise as a result of a customer becoming insolvent or because your customer fails to pay within the agreed credit period. These risks are referred to as 'commercial risks'. The protection covers as standard goods or services sold and delivered, but can be tailored to cover many other risks such as work in progress and binding contracts. Companies that export can protect themselves against a range of 'political' risks which may prevent or delay payment.

This offers protection to the contractor against loss or damage during the execution of a construction project. This covers:

• Contract works
• Construction plant
• Equipment
• Machinery
• Third party claims to property damage
• Physical injuries

Aviation Insurance covers all aviation related risks like the following:

• Loss or damage to hulls, spares, etc.
• Third party liability
• Passenger liability
• Other related exposures.

• Smaller aircrafts
• Helicopters
• Privately owned aircrafts
• Commercial activities and fleets
• Clubs and flying schools
• Business jets
• Ground service providers

This policy covers the contractor’s plant and all machinery on an annual basis, however it does not cover internal breakdowns. It covers Unforeseen and sudden loss of or damage to the insured items necessitating their repair or replacement. This policy is not limited to a specific construction site rather also:

• At work
• At rest
• During maintenance operations

We understand that while fires or an insured peril might do very little damage to physical structures and its contents; the disturbance in the business can be stressful and difficult to deal with. The Consequential Loss Policy compensates the insured for:

• Loss of Net Profit
• Standing Charges
• Cost of Working Expenses (which are a result of the accident)
• Expenses should fall under Fire & Allied Perils / Property All Risks Insurance Policy

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