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Coverage type

Comprehensive TPL Workmen

Choose your category*

Offices

Nursery, Clinics, Shops inside malls, Barber

Restaurants, Coffee shops, Shops outside malls

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Add up to 10 Locations

Property All Risk / Location 1 of 1

Building sum insured*

Building / Leasehold improvements – refers to the building value (if owned) or the value of the renovation/improvement works made by the tenant on the premises (if rented)

Estimated for 12 months, in AED
If you don't want this to be included put 0

Contents*

Furniture, Machineries, Equipment’s & tools, Stock (of Raw Materials, work in progress and finished goods, incidental to the business only)

Estimated for 12 months, in AED
If you don't want this to be included put 0

Loss of profit*

Loss of Profit covers you against financial losses following material damage caused by an insured peril (fire occurs in the premises and your business activities will be interrupted resulting in financial loss)

Estimated for 12 months, in AED
If you don't want this to be included put 0

Loss of rent*

Loss of Rent happens in case of an insured event and the property becomes uninhabitable, this will cover the rent that you already paid to your landlord

Estimated for 12 months, in AED
If you don't want this to be included put 0

Location 1

0 AED

Minimum 1 AED Maximum allowed / location is 20,000,000 AED

Minimum 2 products need to be selected

Third Party Liability

Protects the Client from legal liability to members of the public as a result of accidental bodily injury and property damage occurring within the insured's premises

Workmen's Compensation

Covers the Client for the medical expenses and loss of wages due to accidental bodily injury to their employees arising from their business activities during the employment

Total annual salaries of all employees in AED

Fidelity Guaranty

Covers financial loss directly resulting from the fraudulent act of your employee committing forgery or embezzlement, or larceny.

Money

Covers robbery or theft of money carried by yourself or authorized persons while in transit or within your business premises

You must check at least 2 checkboxes and their coresponding amounts before submitting!

Your quotation

Business Liability - Benefits

A- Property All Risk as per LM7 Wording including:

Additional assets: providing cover for damage to works of art, tapestry, business books, clothing, personal effects and more AED 5,000 per item and AED 25,000 per event and in the aggregate Architects, surveyor's and engineer's fees: 10% of property sum insured up to AED 100,000/-
Fire protection costs: 10% of property sum insured up to AED 75,000/-
Debris removal: 10% of property sum insured up to AED 100,000/-
All other contents clause: up to AED 20,000/- AOC & AAG excluding cash, jewelry and valuables.
Strike, Riots and civil Commotion: included
Temporary removal: Up to AED 100,000/-
Capital additions: limit of 10% of the location sum Insured Up to AED 100,000/-
Workmen's clause: Up to AED 15,000/-
Burglary by forcible entry: included
Locks and keys: Up to AED 2,500 following burglary by forcible entry.
Public authorities: Up to AED 100,000/-
Sprinkler leakage: Up to AED 50,000/-
Impact damage by own vehicles: Up to AED 50,000/-
Trace and access: Up to AED 10,000/-
Loss minimization expenses: Up to AED 50,000/-
Expediting expenses: Up to AED 25,000/-
Temporary repairs: Up to AED 35,000
72 hours clause: included
Automatic Reinstatement of Sum Insured: subject to declaration and pro-rata premium.
Claims Preparation Costs: up to AED 15,000/-
Deterioration of stock following machinery breakdown: limited to AED 100,000/-
Machinery breakdown: following fire only
Payment on Account: 50% Of Sum Insured subject to loss adjusters recommendation.
Fire brigade and extinguishing expenses: 10% of claim amount up to a maximum of AED 100,000/-
Property in the open: covered under Fire and lightning only unless designed to operate in the open. (as per LM7 cover i.e. buildings, structures and plants )
Breakage of fixed glass or sign board: included
Portable Electronic Equipment
Cover includes portable Electronic Equipment declared under contents SI as follows :
- Within the premises up to full declared value
- Outside the premises insured (within the UAE) subject to a sub-limit of AED.25, 000 per item & in the aggregate.

Deductible:

Category 1: AED 500.- EEL
Category 2: AED 1,000.- EEL
First three days for business Interruption

B- Third Party Liability Covers:

Public Liability: included

Tenant's Liability: included

First Aid Facilities (first aid treatment): included

Neon & advertising signs: included

Outdoor antennas/satellite dish: for fire and lightning

Ownership of passengers lifts or elevators: included

Accidental and Sudden Pollution: included

Liability arising from bursting of boilers or pressure vessels: included

Neighbor's Liability: included

Claims Preparation Costs: up to AED 15,000/-

Cancellation Clause: - 30 Days

Defective sanitary arrangement, water pollution, chemicals effluent fumes or other noxious gas, liquid or substance due to sudden and unforeseen incident: included

Bursting of pipes and overflowing of water tanks: up to AED 100,000/-

Errors and omission clause: up to AED 25,000/-

Including Liability arising out of Fire & Explosion: included

Cross Liability: included

Primary Insurance Clause: included

Waiver of Subrogation: included

Food Poisoning: included (for restaurants and cafes only)

Premises risk only: included

Work away risk: not included (to be referred back)

Delivery Risk: Limited to AED 250,000/- (Deliveries are done by motorcycles or sometimes by car)

Deductible:

AED 1,000/- EEL in respect of third party property damage

C- Workmen's Compensation:

Medical Expenses: up to a limit of AED 35,000.- per person per year

Repatriation Expenses: AED 35,000.- anyone person including cost of accompanying person

Employer's Liability: Up to AED. 3,672,500.- AOO/ aggregate

Employee to Employee: Liability while in course of employment only

Extended to Cover 24 Hours: Non-Occupational Personal Accident cover Extension (Accidental Death and Permanent Total Disability only)

Sun Stroke and Hernia as Industrial Disease: included

Insured's employees whilst on flights and/or commuting from/to country of work provided they are not part of the flight as aircraft crew: included

New employees on employment visas whilst on incoming flights from their country of origin to country of work: included

Employees on temporary hire for whom the insured is responsible and on the insured's payroll but not under their sponsorship provided all the legal formalities are finalized prior to start of work: included

Automatic addition and deletion subject to premium adjustment at expiry: included

Cancelation clause: 30 days

Funeral Expenses: for a limit of AED 5,000 per person, only when repatriation is not possible

D- Fidelity Guaranty:

Discovery Period 3 month from date of loss (loss occurring during the policy period): included

Employee dishonesty: included

Limit chosen is per person: included

Mysterious disappearance: not included

Coverages:Maximum Limit Per Employee/Aggregate : AED 200,000.- with below Options:

Option 1: AED 25,000.-

Option 2: AED 50,000.-

Option 3: AED 100,000.-

Option 4: AED 150,000.-

Option 5: AED 200,000.-

E- Money Insurance:

Cash in premises during business hours: up to full limit

Cash in locked safe out of business hours: up to full limit

Cash in transit (Single carrying Limit): up to full limit

Estimated Annual Carryings: Up to AED 5,000,000/-

Cover for damage to Insured's Safe due to theft or attempted theft: Limit: AED 5,000/- per occurrence

Keys Clause: Cover under this insurance includes reasonable expenses incurred necessarily in replacing locks to the safe or strong room for which the Insured is responsible consequent upon the loss of keys from the premises or from the residence of any employees of the Insured who are authorized to keep custody of the keys

Hold-up cover: included

Personal Assault extension - limit: AED 7,500/- per employee

Automatic addition of location clause in the policy subject to declaration on a monthly basis: location limit up to AED 10,000/- for money in premise at additional premium

Money in locked drawer after office hours: limited to AED 5,000/-

Portable equipment's in transit : up to AED 25,000/-

Mysterious disappearance: excluded

Coverages:Maximum Limit Per Employee/Aggregate : AED 200,000.- with below Options:

Option 1: AED 25,000.-

Option 2: AED 50,000.-

Option 3: AED 100,000.-

Option 4: AED 150,000.-

Option 5: AED 200,000.-

Subjectivities:

The insured premises are constructed 100% from Reinforced Cement Concrete (RCC) or 100% of bricks/tile/concrete

Nil Claims for the past 4 years

The insured has never had a proposal for insurance declined by an insurance company

The location/s being insured is not occupied for manufacturing or as a warehouse

Risks with previous history of claims should always be reported to AIAW for review and approval

CDC & AMC are Mandatory for Restaurants only “Annual Maintenance contract for cleaning Kitchen, Hood, and chimneys”

Annual Turnover should not exceed AED 36,000,000/-

Detailed inventory of all Electronic Equipment's including values and serial numbers is required prior binding cover for values above AED 25,000/-

Quotes issued are valid for 30 days from issuance date

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