NRI Personal Accident &

Overseas Medical Insurance


Liability Insurance

Package Policies (for small business and Professional Service organizations)

  • Office Package – This policy covers various risks faced by an office establishment in one single policy.
  • Jeweler’s Block – This is a specialized policy meant for Jewelers and takes care of the various risks to which they are exposed.
  • Banker’s Blanket Bond – If you are a Bank, financial institute, investment manager or a Money Exchange House, this is the correct insurance policy for you. It is specifically designed to cover risks associated these business segments. Other Package Policies – We offer similar packages specially designed for specific segments like Hotels, Restaurants, Shops, Spas, Saloons etc.
  • Covers Tenant’s / Landlord’s liability.
  • Coverage for specific premises or within the territorial limits defined under the policy.

Product liability

  • Covers your legal liability for loss or damage to Third Party Property and / or death / bodily injury to Third Parties arising out of use of products.
  • The products could be manufactured, handled, sold or supplied by you.

Comprehensive General Liability

  • A broader form of a Liability Insurance policy covering Public Liability, Product Liability and Employer’s Liability.

Workmen's Compensation Insurance and Employer's Liability

  • This insurance policy covers work related accidents to your employees.
  • Extension is also available to cover non-work related Accidental Death and Permanent Total Disability.
  • The compensation will be as per UAE Labour Law benefits.
  • Policy can be extended to include Employer's Liability to cover common law liability of the employer towards employees.

Professional Indemnity

  • Provides indemnity against legal liability for negligent acts, errors, breach of duty or omission arising out of professional activities.
  • Legal Costs and expenses incurred are also covered.
  • This policy can be taken by firms or professionals rendering professional services like Architects, consultants, Chartered accountants, Engineers, Software companies, Lawyers etc.
  • This policy can be arranged as an annual policy or for specific projects

Medical Malpractices

  • This insurance policy is taken by Medical professionals (doctors, nurses, paramedical staff, technicians etc) and Medical institutions (hospitals, clinics, diagnostic centers etc).
  • Covers legal liabilities arising out of death, bodily injury or mental injury to patients due to any errors or omission or negligence during treatment.
  • This policy helps medical professionals to comply with regulatory requirements

Directors and Officers Liability

Directors and Officers of organizations can be held liable for alleged wrongful acts while performing their duties. This can lead to financial liability.

  • Directors & Officers Liability Insurance (D&O) indemnifies the directors for financial liabilities due to wrongful acts.
  • The policy can also provide reimbursement to the organization when it is required or permitted by law to indemnify the directors or officers for their losses.
  • This policy can also be extended to cover liabilities due to wrongful Employment practices. This cover is popularly called EPLI (Employment Practices Liability Insurance).

Transport Related Liability

  • This is for organizations involved in the transport industry like Freight forwarders, Hauliers, transport operators, cargo handling facilities, NVOCC etc
  • They are exposed to various risks like liability for damage to cargo, errors and omissions, liability to authorities, third party liabilities etc.
  • We can offer specialized insurance policies to cover such liability risks related to transport and cargo handling.
  • We can arrange for Freight Forwarder’s Liability insurance & Haulier’s Liability Insurance policies.
  • Third Party Liability & Errors and Omission can be also be added on to the basic cover.
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Why a Broker?

  • Globally, insurance regulatory authorities (including Ministry of Economy in the UAE) recognize the value added service provided by Insurance brokers.
  • The insurance policy is a fairly complicated legal document and an understanding of the insurance and legal complications in the fine print of the policy is essential.
  • Individuals, Businesses and Organizations are exposed to various physical and financial hazards.
  • Insurance covers and policies evolve continuously. A professional broker would help you in getting access to upto date insurance products and services.
  • In a competitive and sensitive market, the quality of products and services are often compromised.
  • A professional broker can, should you so desire, provide guidelines in establishing the right Sum Insured, Values for insurance, Limit of indemnity etc.
  • A professional broker scrutinizes the policy document to ensure its accuracy with regard to cover, specification, extensions, etc.
  • In the event of a claim, it is important to present the same in a detailed and professional manner.