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CBUAE – Insurance Authority Licensed Broker · No. 281

Business / SME Insurance

Group medical, liability, cyber, marine, property and more — tailored for UAE businesses.

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What's covered

Business Insurance in the UAE — What You Need to Know

Group medical

Mandatory health cover for all employees — fully UAE-compliant across all seven emirates.

Workmen's compensation

Legally required in all emirates. Covers employee injuries, disability and repatriation.

Property & fire

Office, warehouse or retail premises — contents, stock and building structure.

Cyber liability

Data breaches, ransomware and cyber incidents — a growing risk for UAE businesses.

Marine cargo

Goods in transit — import/export, Fujairah Port and cross-border shipments.

Motor fleet

Multiple vehicles under one policy — cars, vans, trucks and commercial fleets.

Common questions

Frequently Asked Questions

Is workmen's compensation mandatory for all UAE businesses?

Yes — WC is legally required for all employers in the UAE under Federal Law. Non-compliance carries fines and legal liability.

What is the Northern Emirates health mandate?

Employers in Fujairah, RAK, Ajman, UAQ and Sharjah must provide group health insurance. Fines reach AED 50,000 and possible imprisonment for non-compliance.

Can I get all my business covers under one policy?

Yes — bundled SME packages are available. We compare across 30+ insurers to find the best combination and price.

How quickly can a new employee be added?

Mid-term additions are standard on group health policies. We handle the insurer notification — usually processed within 2–3 business days.

Related cover

Fire & Accident Insurance →Marine Insurance →Group Insurance →

Related reading

Business Insurance in the UAE: What Every SME Needs to Know →

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