Liability Insurance for UAE Businesses

Protect your business against eligible legal liabilities arising from third-party claims, professional services, employees and other business risks.

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Liability Insurance in the UAE

Liability Insurance helps protect businesses against eligible financial losses arising from legal liability claims. Depending on the policy, coverage may apply to third-party bodily injury, property damage, professional negligence, employee-related liabilities and other business exposures.

Al Buhaira provides a range of Liability Insurance solutions for businesses and professionals across the UAE. The appropriate cover depends on your business activities, services, employees, customers and contractual requirements.

Liability Insurance Solutions for UAE Businesses

Different businesses face different liability risks. Explore our specialist liability insurance solutions:

Which Liability Insurance Does Your Business Need?

The type of Liability Insurance you may need depends on the risks associated with your business:

Customers or visitors – Public Liability Insurance
Products manufactured or supplied – Product Liability Insurance
Professional advice or services – Professional Indemnity Insurance
Employees and workplace risks – Workers' Compensation & Employers' Liability
Healthcare professionals – Medical Malpractice Insurance
Directors and senior management – Directors & Officers Liability

What May Liability Insurance Cover?

Coverage varies according to the type of Liability Insurance selected. Depending on the issued policy, protection may include:

Third-party bodily injury
Third-party property damage
Professional negligence claims
Employee-related legal liabilities
Approved legal defence costs
Eligible compensation and settlements

Coverage is subject to the applicable policy terms, conditions, exclusions, deductibles and limits of liability.

Public Liability Insurance

Public Liability Insurance may protect a business against eligible legal liability arising from accidental bodily injury or property damage suffered by customers, visitors, contractors or other third parties in connection with insured business activities.

Businesses requiring more information can explore our dedicated Public and Product Liability Insurance solution.

Professional Indemnity Insurance

Professional Indemnity Insurance may protect professionals and businesses against eligible claims arising from professional negligence, errors or omissions while providing declared professional services.

This type of insurance may be relevant for engineers, architects, consultants and other professional service providers.

Workers' Compensation and Employers' Liability

Workers' Compensation and Employers' Liability insurance may provide protection in connection with eligible occupational injuries, illnesses and employer liability exposures, subject to applicable UAE requirements and policy terms.

Is Liability Insurance Mandatory in the UAE?

Liability Insurance requirements vary depending on the business, profession and activity involved. Certain types of cover may be required under UAE regulations, licensing conditions, contracts, tenders, leases or client requirements.

Businesses should review their specific legal, licensing and contractual requirements when determining the appropriate type and level of liability insurance.

Why Choose Al Buhaira for Liability Insurance?

Liability insurance solutions for different UAE businesses
Public, Product and Professional Liability options
Employers' Liability and Workers' Compensation solutions
Coverage based on individual business requirements
Support for businesses and professionals across the UAE
Online Liability Insurance quotation request

Frequently Asked Questions About Liability Insurance

Ans: Liability Insurance helps protect businesses and professionals against eligible financial losses arising from legal liability claims, subject to the type of policy, coverage limits, terms and exclusions.
Ans: Liability Insurance can include Public Liability, Product Liability, Professional Indemnity, Employers' Liability, Medical Malpractice and Directors & Officers Liability, depending on the business and its risks.
Ans: Businesses and professionals that interact with customers, employ staff, provide professional services, manufacture or supply products, or face other legal liability exposures may require appropriate Liability Insurance.
Ans: Requirements depend on the business activity and type of insurance. Certain liability covers may be required by regulation, licensing requirements, contracts, tenders, landlords or clients.
Ans: Premiums may depend on factors such as the type of business, annual turnover, activities, number of employees, claims history, required coverage and limits of liability.
Ans: Businesses can submit their details through Al Buhaira's Liability Insurance quotation page for review based on their activities and insurance requirements.
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