Group Health Insurance

Your employees are the lifeblood of your business and good healthcare coverage can significantly increase your company’s output. Main Covers for Large Corporates includes:

Comprehensive plans with access to

In-patient, Out-patient, Dental, Optical, Maternity and various other benefits provided by different types of medical providers across the globe including hospitals, clinics, pharmacies, medical centers, radiology, dentists and optical.

Cover for Pre-existing and Chronic conditions

. All plans provide you with cover for any pre-existing conditions (whether chronic or not) from day one.*

Bespoke Benefits extensions.

Flexibility to add benefits in your policy such as; Wellness (Health check-up), Alternative/Complementary treatment, Maternity, Dental, Optical, and Psychiatric treatment.**

Motor Insurance

Ensure your business wheels are always turning!

If your business operations depend on being on the road, motor Insurance provides you with tailored plans to suit your business needs. No matter how large your business is, or how many vehicles you need to insure, our Motor Insurance makes it easy to cover all vehicle types.

Key Benefits
• Mixed vehicle type station, 4X4, vans, trucks, etc
• Various options and extensions, e.g. breakdown recovery, road assistance, hire car benefit.
• Driver and passengers
• Large network of approved garages
• Tailored claims handling solutions
• Agency repair
• Fire and Theft and natural catastrophes, etc.
• Oman Cover
• Personal Accident Benefits

Indemnity Insurance

Professional Indemnity insurance covers the day-to-day activities that bring in the revenue. For some of these, solicitors, accountants and architects, lawyers, doctors it is a requirement of their professional authorization. But it can be a very useful cover for lots of fields where your clients are depending on your expert guidance, i.e. protecting your business against claims from third parties for financial loss. Key benefits:

• Professional Liability cover
• Payment of damages or settlements
• Covers legal defense costs
• Defamation coverage
• Infringement of Intellectual Property Rights protection
• Fraud/ Dishonesty committed by an employee that results in legal liability to the Policyholder.
• Protects the company, subsidiaries, employees and sub-contractors working under the direction of the Insured.
• Cover is on a ‘Claims made’ basis.

Property and business interruption insurance

If a risk becomes a reality, a well-prepared business can minimize the impact on earnings, lost time and productivity, and negative impact on customers. The ability to identify risks is a key part of strategic business planning. Property all risk insurance provides coverage to any given property against:

• Accidental damages
• Burglary
• Fire
• Natural disasters
• and other unexpected events and mishaps

Public Liability Insurance

If you interact with the general public as part of running your business, there is always a risk that an accident could happen.
If a customer trips on an item at your business premises, or an employee damages customer property, you could be legally liable to cover the costs. This could include the cost of third-party compensation or expenses, in addition to the cost of funding your own legal defense. Covers include:

• Compensation to third parties in the event of Physical Injury or Property Damage due to your business activities within the policy territory.
• Your legal defense and court costs incurred by defending a claim made against your business.
• Legal Liability toward your landlord /Tenant as applicable
• Cross Liability
• Work way Risks
• Liability due to Food & Drink served at your Premises.
• Cover is extended Worldwide whilst on Non-Manual Business Trip for Employees of the Company.

Event Insurance

Event liability insurance can help protect you from financial loss if you are held legally responsible for property damage to the venue or bodily injury to someone injured at your event. Key Coverage.

• Bodily injury and property damage liability.
• Venues can be named as “additional insured” on the certificate of insurance for no additional cost.
• Can be availed as package with Event cancellation being the primary coverage.

Event cancellation insurance provides coverage for financial losses (venue costs, ticket sales, advertising and sponsorship revenues, travel expenses) arising out of an event being cancelled, abandoned, postponed, interrupted, curtailed or relocated because of any of the following reasons.

• Damage or destruction of the venue
• National mourning
• Adverse weather conditions
• An outbreak of infectious disease
• Terrorist activities
• Non-appearance of artist/performer

Director and Officers liability insurance

D&O insurance (Directors and Officers insurance) functions as a critical safeguard for company executives and board members.
This specialized insurance coverage offers protection against legal claims that may arise from their decisions and actions taken in the course of their duties.
D&O insurance works by reimbursing defense costs, settlements, and awards resulting from claims made by shareholders, third parties, or regulators for alleged wrongful acts.
It also extends coverage to the company itself if it faces litigation. Understanding how D&O insurance works is vital for companies to mitigate risks and provide assurance to their leadership team. Cover includes.
• Advancement of defense costs
• Legal fees and expenses for attendance at any investigation
• Pre-investigation cost
• Outside directorship cover
• Prosecution expenses
• Risk management extension
• Assets & Liberty expenses

Cyber insurance

Risks range from loss of information on a single station to the threats posed by cloud computing. Businesses may also face issues regarding denial of service or defacement and disruption to their web presence.
Data leaks and data losses can lead to regulatory fines and PR nightmares. Cyber-attacks could lead to shut-down servers, loss of confidence or loss of profits. Cyber insurance is the solution. Cover includes:
• Security & Privacy Liability Insurance
• Event Management Insurance
• Network Business Interruption Insurance
• Cyber Extortion Insurance

Drone Insurance

Welcome to the dynamic world of drones in the UAE! In the ever-evolving landscape of drone technology, enthusiasts and professionals alike find themselves navigating the skies with cutting-edge devices capable of capturing stunning aerial perspectives. While the thrill of flying a drone is undeniable whether for work or leisure, understanding the importance of drone insurance is paramount since it is mandatory by the UAE law. Insurance coverage might have certain restrictions or exclusions based on flight zones or specific risk area. Cover includes.

• Accidental damage or loss of the policyholder’s drone or any cargo it may convey.
• Inadvertent damage or loss of drone replacement parts or accessories, as well as repairs
• Coverage against third-party liability against personal injury or property damage triggered by the policyholder’s UAV.
• coverage for accessories and payloads
• Coverage for third-party liability if the policyholder’s UAV causes noise disturbances and privacy violations.
• Personal accident insurance for harm or losses incurred when using the drone.
• Drone replacement in the instance of damage or loss.

Workmens Compensation Insurance

The Workmen's Compensation Insurance policy provides cover for the potential risk of employees getting injured at work.

Cargo Insurance

Cargo insurance is important to protect shipments from physical damage or theft. In fact, it ensures that the value of goods is protected against potential losses which may occur during air, sea or land transportation. The movement of goods across the world comes with a certain risk. Scope of cover:

Accidental Loss or Damage to Goods During Transit
• Natural Perils
• Theft & Pilferage
• Fire
• Collision, overturning of carrying vehicles.
• War, Riots, Strikes and Civil Commotion

Contractors All Risks / Erection All Risks

This type of policy covers any unforeseen and sudden physical loss or damage, from any cause, in a manner necessitating repair or replacement to contract works, construction plant, equipment and machinery. Furthermore, it covers legal liability to third parties in respect of: Accidental injury accidental loss of or damage to property.

Jewellers Block Policy

Jewellers Block insurance is designed for jewellers, auction houses, pawnshops, antique dealers and art galleries. A burglary, theft, or accident that results in the loss of your stock can be hugely damaging to your bottom line, while the loss of your clients’ items can damage your reputation beyond repair. Our specialist policies cover your stock and your clients’ possessions while in your care.

Our policies cover you for:
• Buildings, Contents and Stock
• Transits and deliveries
• Shipping via armoured services, airfreight and couriers
• Safe deposit boxes
• Fidelity guarantee (theft or fraud by employees)
• Private jewelry

Group Life Insurance

All companies and businesses owners are offering their employees life insurance because of their recognition in the competitive marketplace in attracting and rating good employees. There are many plans to choose from when selecting a program for your company.

• Accidental Death Benefit
• Permanent Total and Partial Disability (Accident and/or Sickness)
• Temporary Total Disability (Accident and/or Sickness). Sickness component can be added to this benefit. However, it cannot be offered on a stand-alone basis.
• Accidental Medical Expenses
• Repatriation Expenses
• Critical Illness (Additional or Accelerated option)