Workmen's Compensation Insurance

Yes. UAE Labour Law (Federal Law No. 8 of 1980 and subsequent amendments) requires employers to compensate workers for work-related injuries, disability, and death. Most employers fulfill this through a Workmen's Compensation insurance policy, which is also typically required for MOHRE work permit issuance.

UAE Labour Law provides for a fixed compensation schedule — typically a multiple of the deceased worker's monthly salary up to a defined maximum. The exact formula depends on the circumstances and applicable law. Our team will explain the current schedule.

Standard WC policies cover your direct employees. Sub-contractors are typically responsible for arranging their own WC insurance. However, principal contractors can request evidence of sub-contractor insurance and, in some cases, arrange wrapping cover. Ask our team.

WC insurance covers statutory obligations under UAE Labour Law for work-related injuries only. Group Personal Accident (PA) provides a broader voluntary benefit covering accidents both at and away from work, 24 hours a day. Many employers carry both.

Premiums are calculated based on total wage roll, industry risk classification (construction is highest), number of employees, and prior claims experience. We negotiate the best rates by positioning your risk profile favorably with insurers.

Immediately provide first aid and arrange medical treatment. Notify our claims hotline and complete an accident report. Submit to the relevant authority (MOHRE, DHA, or municipality) as required. Our claims team will guide you through the full process.