Liability Insurance

Public liability covers injury or property damage you accidentally cause to third parties during your business operations. Professional indemnity covers financial losses third parties suffer due to errors, omissions, or negligent advice in your professional services.

Certain professions in the UAE require mandatory liability insurance — including medical professionals (malpractice), legal practitioners, and some licensed contractors. We will advise you on regulatory requirements for your specific sector.

D&O insurance protects company directors and senior managers from personal financial liability arising from claims of mismanagement, breach of duty, or wrongful acts in their roles — covering both legal defence costs and settlements.

No. Public liability covers injuries to third parties (customers, visitors, members of the public). Injury to employees is covered under Employers Liability or Workmen's Compensation — which is a separate and mandatory coverage in UAE.

The appropriate indemnity limit depends on your business size, contract requirements, and the potential financial impact of a worst-case claim. Our commercial team will assess your exposure and recommend a suitable limit to ensure you are not under-insured.

Professional indemnity is typically written on a "claims-made" basis — meaning the policy in force when the claim is notified covers it, not when the error occurred. We can arrange run-off cover to protect you after retirement or business closure.