Liability Insurance

Public liability

To cover Insured's legal liability for loss or damage to Third Party Property and / or death / bodily injury to Third Parties arising out of Insured's activities at the premises or within the territorial limits defined under the policy.

Product liability

To cover Insured's legal liability for loss or damage to Third Party Property and / or death / bodily injury to Third Parties arising out of use of products manufactured sold or supplied by the Insured.

Comprehensive General Liability

Comprehensive General Liability policy is an umbrella cover designed to protect the insured against legal liability to third parties arising out of their business activities. It provides coverage against all liability exposures of a business unless specifically excluded e.g. coverage includes Public liability, Product liability, Employer's liability etc.To cover Insured's legal liability for loss or damage to Third Party Property and / or death / bodily injury to Third Parties arising out of use of products manufactured sold or supplied by the Insured.

Product Recall Insurance

Product Recall Liability Insurance indemnifies the insured for those sums that the insured becomes legally obligated to pay as compensatory damages or loss sustained by the Insured arising out of recall, removal, recovery of possession or control, or disposal of the Product that is manufactured, sold, marketed, handled, or distributed by the insured. Product Recall Insurance is typically provided as an add-on to a Product Liability Insurance policy.

Employment Practices Liability

Employers constantly face new challenges and exposures as a result of litigations for racial abuses, sexual harassment, gender discrimination etc. An Employment Practices Liability provides insurance protection for such liabilities.

Product Recall Liability Insurance indemnifies the insured for those sums that the insured becomes legally obligated to pay as compensatory damages or loss sustained by the Insured arising out of recall, removal, recovery of possession or control, or disposal of the Product that is manufactured, sold, marketed, handled, or distributed by the insured. Product Recall Insurance is typically provided as an add-on to a Product Liability Insurance policy.

Directors and Officers Liability

Workmen's Compensation Insurance/ Employer's Liability

To cover work related accidents to 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.

Directors and Officers liability protects the personal assets of a company's directors and officers against catastrophic financial loss. 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.

Professional Indemnity

This cover will provide 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 arranged as an annual policy or on project specific basis.

Protection and Indemnity

Medical Malpractices / Errors & Omission Insurance

Professional Indemnity

A Ship Repairers Legal Liability Policy provides protection against the liabilities caused by negligence.

Key coverages included under this type of policy are:

Liability resulting from negligence arising from:

  • Loss or damage to the vessel in the care custody of the Assured for the purposes of being worked upon.
  • Loss or damage to cargo on or discharged from the vessel being repaired.
  • Loss or damage to third party property as a result of repair operations.
  • Loss or damage to equipment removed from the vessel for the purposes of repair.

This type of insurance protection is taken by vessel owners/ operators. The type of cover provided can in general terms be compared with the Third Party Liability cover on a motor vehicle. Some of the major types of liabilities covered are Third Party Liability, Pollution Liability, Collision Liability, Liability to seamen, etc.

Transport Related Liability

The policy covers Transporters legal liability whilst transporting goods which are under care, custody or control including liability arising out of warehousing activities. Organizations involved in the transport industry like transport operators, cargo handling facilities, port authorities are exposed to a complex variety of risks. This can include exposures like liability for damage to cargo, errors and omissions, liability to authorities, third party liabilities etc.

Environment Liability

Environmental liability insurance provides protection from bodily injury, property damage, and remediation expenses arising out of the release of contaminants into the environment.

Coverage is usually taken by contractors, dry cleaners, petroleum and petrochemical companies, mining companies, manufacturers, chemical companies, real estate companies, medical facilities and many others.

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