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Liability Insurance

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Every business is vulnerable to liability risks regardless of its size. You cannot avoid these risks, but you can surely manage them with a proper liability insurance policy.

Continue your business operations, stress-free, knowing that your business and income stream are protected.

What Can Al Sagr Offer You?

  • Workmen's Compensation and Employer's Liability.
  • General Third Party Liability.
  • Comprehensive General Liability Insurance (Public, Product & Pollution).
  • Professional Indemnity (Project Cover and Annual Cover).

Interested in our Liability Insurance Covers?

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Workmen’s Compensation Insurance

Chapter 8 of the U.A.E. Federal Labor Law No.8 of 1980 defines the compensation as that payable by an employer to their employees following injuries caused by work related accidents.

Workmen's Compensation Insurance is designed to protect the employer against their liabilities to employees in respect of injuries suffered by them arising out of and in the course of their employment as per Labor Law/Workmen's Compensation Ordinance.

The coverage under this Policy may be extended to include Employer’s Liability, which will cover liability under Common Law and/or Sharia Law.

General Third Party Liability Insurance (GTPL)

The Policy will indemnify the insured against all claims upto the limits specified, for which the Insured shall become legally liable to pay as compensation for:

  • Accidental bodily injury to Third Party.
  • Accidental loss or damage to Third Party property.

For any accidents happening during the period of insurance at or about the premises specified in the Policy and caused by the Insured and/or their employees whilst performing their normal business activities.

The Company will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation.

Comprehensive General Liability Insurance (Public, Product & Pollution) – CGL

In addition to GTPL Cover CGL insurance is intended to provide an indemnity to the insured (up to the limit of liability) in the event of a claim being brought against him/her for bodily injury/property damage to third party caused by any commodity or good sold supplied installed erected repaired altered or treated by the insured in connection with the business specified and occurring during the Policy period elsewhere than on the Insured’s premises. Cover can be extended to include Sudden & Accidental Pollution Liability.

The Company will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation.

Professional Indemnity

This Policy covers the insured such as Architects, Engineers, Medical Practitioners, Lawyers, Chartered Accountants and Miscellaneous Professionals against their legal liability for breach of duty of any profession by reason of any negligent act, error or omission during the policy period (and retroactive period, if any) by themselves or their employees in their professional capacity. The policy will also cover the costs and expenses incurred with the Company’s written prior consent in the defense and/or settlement of any claim.

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