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CBUAE – Insurance Authority Licensed Broker · No. 281

Fire & Accident Insurance

Property, fire perils and personal accident cover for UAE businesses and individuals.

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+971 9 222 1133
What's covered

Fire & Accident Insurance in the UAE — What You Need to Know

Fire & special perils

Building and contents against fire, explosion, lightning, smoke damage and more.

Natural calamities

Storm, flood, earthquake, subsidence — a requirement in UAE high-risk zones.

Business interruption

Loss of income and additional expenses while your premises are being rebuilt or repaired.

Personal accident

Lump-sum payout or weekly benefits for employees injured at work — on or off-site.

Burglary & theft

Forced entry, robbery of stock, cash and equipment from commercial premises.

Machinery breakdown

Electrical and mechanical breakdown of plant, machinery and equipment.

Common questions

Frequently Asked Questions

Is fire insurance mandatory for businesses in the UAE?

Civil Defence in several emirates (Dubai, Abu Dhabi, Sharjah) require fire insurance as part of trade licence renewal. Confirm with your municipality.

What is the difference between fire insurance and all-risks?

Fire insurance covers named perils only (fire, explosion, etc.). All-risks covers everything except what is specifically excluded — broader and generally recommended.

Can I combine fire and personal accident on one policy?

Yes — this is a "Fire & Accident" package, very common for SMEs. You get both perils on one policy, often cheaper than buying separately.

What documents do I need to get a quote?

A description of your premises, sum insured estimate, number of employees (for PA), and your previous policy if applicable. We handle the rest.

Related cover

Business / SME Insurance →Marine Insurance →

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