Coverage for natural disasters under business insurance in the UAE depends on the specific policy and terms. While basic policies may exclude such events, specialized coverage can be obtained. Here's what you should know:

• Property insurance coverage can cover damages to your business property from specific perils. Still, it may exclude or limit coverage for certain natural disasters.
• Business interruption insurance: This can help cover a certain percentage of income loss and operational expenses and fixed expenses if the business has been disrupted due to a certain covered peril as per the policy, including some natural disasters (depending on the policy).
• Additional coverage: You can often purchase additional or separate policies to cover specific natural disasters, such as floods, earthquakes, or storms.
• Review policy wording: It is important to review the coverage for natural disasters and any limitations or exclusions.
• Geographic location: Your business's location can influence the availability and cost of natural disaster coverage.

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