Liability Insurance | Third Party Liability

This insurance indemnifies the insured against legal liabilities arising as an occupier of premises due to accidents causing property damage or bodily injury (fatal or non-fatal) to third parties during the course of business.

Liability Insurance Products

Product Liability

Provides indemnity for claims made against the insured by third parties arising from products manufactured or sold by the insured.

Director’s and Officer’s Liability

Directors and Officers Liability Insurance protects directors and officers against claims made while serving on a board or as an officer. It covers acts such as errors, misstatements, misleading statements, neglect or breach of duty while performing their managerial responsibilities.

Employees Liability

This policy protects employers for their legal liability under UAE law for damages and expenses arising from lawsuits filed by employees.

Medical Malpractice

This policy protects medical professionals and healthcare facilities against legal liability for bodily injury, death, or mental injury caused to patients due to negligence, errors, or omissions while providing professional services. It also covers litigation expenses.

Professional Indemnity

Professional Indemnity Insurance protects professionals against claims arising from negligent acts, errors or omissions committed during the course of their professional services.

Worker’s Compensation

This policy covers occupational sickness or accidents occurring during employment, including medical expenses and wage loss compensation for bodily injury or death of employees.

Employer’s liability provides additional compensation beyond workers' compensation benefits if negligence by the employer is proven in court.

Public Liability

Public liability insurance protects businesses against legal liability caused by negligence of employees, defects in premises, machinery or plant. Coverage includes bodily injury, property damage, medical expenses and legal defense costs.

About Liability Insurance in UAE

Liability insurance protects businesses and individuals against financial losses arising from legal claims due to bodily injury, property damage or personal injury caused to third parties.

Coverage

Coverage includes legal liabilities, defense costs, court fees, attorney fees and settlement expenses arising from claims. The level of coverage depends on the business type, risk exposure and policy conditions.

Premium

Insurance premiums depend on the nature of the business, coverage limits, risk factors and claims history. Different insurers may offer varying pricing structures based on policy conditions.

Exclusions

Common exclusions include intentional damage, fraud, war or political risks, normal wear and tear, and activities outside the scope of the insured business.

Benefits

Liability insurance protects businesses from unexpected legal claims, reduces financial risks, and strengthens credibility with clients by demonstrating responsible risk management.

Conclusion

Liability insurance is essential for businesses in the UAE. Choosing the right policy helps protect against legal liabilities and ensures financial stability in the event of unforeseen claims. Al Buhaira Insurance offers reliable liability insurance solutions tailored to various business needs.