Public Liability Insurance in the UAE
Public Liability Insurance helps protect businesses in the UAE against
eligible legal liabilities arising from accidental bodily injury or
property damage suffered by customers, visitors, contractors or other
third parties.
Coverage may apply to incidents arising from your business premises,
operations or insured activities. Businesses that manufacture, sell,
supply or distribute products may also require Product Liability Insurance.
All coverage is subject to the issued policy terms, limits, conditions
and exclusions.
What Does Public Liability Insurance Cover?
Public Liability Insurance may provide protection when your business is
legally liable for accidental injury or damage involving a third party.
Third-party bodily injury
Third-party property damage
Accidents at business premises
Accidental damage while carrying out insured work
Approved legal defence costs
Eligible compensation and settlements
Examples of Public Liability Claims
Depending on the circumstances and policy coverage, examples may include:
-
Customer or Visitor Injury:
A visitor is accidentally injured at your business premises.
-
Property Damage:
An employee accidentally damages a customer's property while carrying
out insured work.
-
Events and Exhibitions:
A third party suffers accidental injury or property damage during an
insured event or business activity.
-
Contracting Operations:
Insured work at a project location accidentally causes injury or
damage to third-party property.
Who Needs Public Liability Insurance in the UAE?
Public Liability Insurance may be suitable for businesses that interact
with customers, visitors, contractors or members of the public.
Retail Shops and Shopping Businesses
Hotels and Hospitality Businesses
Contractors and Maintenance Companies
Commercial Property Operators
Manufacturers and Distributors
Product Liability Insurance in the UAE
Product Liability Insurance may protect businesses against eligible
third-party bodily injury or property damage claims arising from products
they manufacture, sell, supply, install, repair or distribute.
This type of insurance may be particularly relevant for manufacturers,
wholesalers, retailers, importers, exporters and distributors.
Public Liability vs Product Liability Insurance
Public Liability Insurance generally relates to eligible
third-party injury or property damage arising from your business premises
or operations.
Product Liability Insurance generally relates to eligible
third-party injury or property damage caused by a product supplied,
manufactured, sold or distributed by your business.
Depending on your business activities, you may require Public Liability,
Product Liability or a combination of both.
Is Public Liability Insurance Mandatory in the UAE?
Public Liability Insurance is not universally mandatory for every business
in the UAE. However, it may be required under a client contract, lease,
tender, event agreement, free-zone requirement or other business condition.
Businesses should review their contractual and licensing requirements to
determine the appropriate level of liability insurance.
What Is Commonly Not Covered?
Exclusions depend on the issued policy. Common examples may include:
Professional advice or design errors
Intentional or illegal acts
Repair or replacement of your own defective product
Product recall unless specifically covered
Documents Required for Public Liability Insurance
Requirements may vary depending on your business activities. The insurer
may request:
Trade licence and company information
Description of business activities
Estimated annual turnover
Details of business premises or locations
Previous insurance information
Why Choose Al Buhaira for Public Liability Insurance?
Al Buhaira provides liability insurance solutions for eligible businesses
across the UAE. Coverage can be considered based on your business
activities, premises, products, contractual requirements and liability
exposures.
Public Liability Insurance for different business activities
Product Liability Insurance options
Combined Public and Product Liability enquiries
Coverage options based on individual business requirements
Frequently Asked Questions About Public Liability Insurance
Ans: Public Liability Insurance may cover eligible legal liability when a third party suffers accidental bodily injury or property damage arising from the insured business operations or premises.
Ans: Businesses that interact with customers, visitors, contractors or members of the public may benefit from Public Liability Insurance. This can include retailers, restaurants, contractors, hotels, event organisers and service providers.
Ans: It is not universally mandatory for every UAE business. However, it may be required by contracts, landlords, tenders, event organisers, free zones or other business requirements.
Ans: Public Liability generally relates to eligible third-party injury or property damage arising from business operations or premises, while Product Liability relates to eligible claims caused by products manufactured, sold, supplied or distributed by the insured.
Ans: Premiums may depend on factors such as the type of business, annual turnover, business activities, premises, claims history, required liability limits and other underwriting considerations.
Ans: Businesses can submit their details through Al Buhaira's Public and Product Liability quotation page for review.
