Liability Insurance

Who is this for?

All establishments facing risk of legal liability arising out of law, contracts and other duties

What does it cover?

Amounts payable due to liability at law for death or bodily injury and/or property damage caused to third parties and arising out of the establishment

What are the typical perils?

Negligence, nuisance, trespass and other torts

What are the typical extensions?

Liability arising in relation to acts of a person in his/her Personal capacity, or to a product feature that does not perform as expected, resulting in loss/damage to a third party, or even to a decision made by a person in his capacity as a CEO.

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Public Liability

Public Liability policy also known as General Third Party Liability policy protects businesses’ legal liability against the costs of compensating individuals and companies if they suffer accidental bodily injury or damage to their property caused by the Insured in the course of business.

This does not include employees, who are protected under Workmen Compensation and Employers Liability Insurance. This policy pays for the claimants’ legal costs and the agreed costs of defending the action. Due to the potential high costs and higher exposure, this is a risk that must be covered. The Work Away Risk exposure can also be covered under the Policy.

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Product Liability

Product Liability policy insures the legal liability for claims against you raised by third parties during the period of insurance due to injury or damage caused by a product made by or sold by you.

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Comprehensive General Liability

Commercial General Liability (CGL) insurance protects your business against claims of liability for bodily injury, property damage arising from the business operations, be it premises, products and completed operations, advertising and personal injury, or even supplementary payments. Without a commercial general liability insurance policy, a business is vulnerable to lawsuits that could have a devastating impact on its business. As such, it is important to protect your business with Commercial General Liability insurance.

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Workmens Compensation

Workmen’s Compensation insurance protects businesses against death, bodily injury and illness of an employee arising out of work related exposures in accordance with the U.A.E. Labor Laws. In addition, the policy provides coverage for the medical benefits in private hospitals and clinics arising from accidents and also repatriation expenses in case of mortality. It also covers associated costs such as claimants’ legal fees and the costs of defending the action.

This insurance will normally provide protection against the cost of defending prosecutions of the insured under health and safety legislation with regard to incidents relating to employees.

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Employers Liability

An Employers Liability policy covers your statutory liability as an employer for the death of or bodily injuries or occupational diseases sustained by your workmen arising out of and in course of employment. This policy also covers legal costs and expenses in addition to the compensation awarded by the competent court.

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Professional Indemnity

This Policy covers Architects and Engineers against their legal liability for breach of duty of any profession by reason of any negligent act, error or omission during the policy period (and retroactive period, if any) by themselves or their employees in their professional capacity. The policy will also cover the costs and expenses incurred with the Company’s written prior consent in the defense and/or settlement of any claim.

Download the Professional Indemnity – (Project) proposal form here.Download the Professional Indemnity – Architects and engineers – Annual proposal form here.Professional Indemnity (Misc)Download the proposal form here.Contact Us for More Information

Hauliers Liability

This insurance provides cover to Road Transporters against legal liability whilst transporting goods which are under their care, custody or control including liability arising out of warehousing activities.

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Event Liability

Event liability insurance provides coverage for damages for which you, as event organizers are held legally liable if there is an accident at the event that causes injury or property damage.

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Freight Forwarders Liability

Freight Liability Insurance is an essential safeguard for you if your business is involved in the overseas transportation and warehousing of goods. This includes third party logistics, freight forwarders and full supply chain management companies, and the policy covers their legal liability for loss or damage to goods carried or stored as defined by contract conditions or applicable International Conventions.

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Medical Malpractice

Medical Malpractice Insurance protects both professionals and establishments in the fields of medical and allied health fields from claims for financial loss, bodily injury or property damage arising from acts, errors or omissions in the provision of health care services. With healthcare becoming increasingly complex and with a clear trend towards greater regulation and litigation, the right level of tailored medical professional liability insurance is more essential than ever before.

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