(1) Workmen's Compensation Insurance

Chapter 8 of the U.A.E. Federal Labour Law No.8 of 1980 defines the compensation that is payable by an Employer to his 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 Labour 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.

(2) Public Liability Insurance

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 :

a) Accidental bodily injury to Third Party; and

b) 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 in addition will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation.

The cover is subject to standard exclusions specified in the Policy.

(3) Products Liability Insurance

This insurance is intended to provide an indemnity to the insured (upto the limit of liability) in the event of a claim being brought against him 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.

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

The insurance will however not cover the cost of removing, replacing or repairing defective products or loss of use thereof.

The cover is subject to standard exclusions specified in the Policy.

(4) Professional Liability Insurance

The policy covers all sums which the Insured (such as Architects, Engineers, Medical Practitioners, Lawyers, Chartered Accountants etc.) becomes legally liable to pay as damages to third party in respect of any error and/or omission on his/her part committed whilst rendering professional service. Legal cost and expenses incurred in defence of the case, with the prior consent of the insurance company, are also payable, subject to the overall limit of indemnity selected and the standard exclusions specified in the Policy.