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Company name

Company name*

Coverage type

SME Multicover

Third Party Liability - Offices

Workmen’s Compensation

Choose your category*

Start adding location(s)

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)

Contents*

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

-- Furniture

-- Improvement and betterments

-- On stock of raw materials and finished goods

-- Machinery equipment and tools

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

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

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

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: Covered
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: Covered
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: Covered
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: Portable Electronic Equipment
Cover includes portable Electronic Equipment declared under contents SI:
- 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.

Third Party Liability Covers

Public Liability: Covered
Tenant's Liability: Covered
First Aid Facilities (first aid treatment): Covered
Neon & advertising signs: Covered
Outdoor antennas/satellite dish for fire and lightning: Covered
Ownership of passengers lifts or elevators: Covered
Accidental and Sudden Pollution: Covered
Liability arising from bursting of boilers or pressure vessels: Covered
Neighbor's Liability: Covered
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: Covered
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: Covered
Cross Liability: Covered
Primary Insurance Clause: Covered
Waiver of Subrogation: Covered
Food Poisoning: Covered (for restaurants and cafes only)
Premises risk only: Covered
Work away risk: not covered (to be referred back)
Delivery Risk: Limited to AED 250,000/- (Deliveries are done by motorcycles or sometimes by car)