Casualty Insurance

Commercial General Liability & Products Liability
Commercial General and Products liability insurance protects businesses against the costs of compensating individuals and companies if they suffer bodily injury or damage to their property. This does not include employees, who are protected under Employers Liability Insurance. This type of cover pays for the claimants' legal costs and the costs of defending the action.

Commercial General Liability & Products Liability
Commercial General and Products liability insurance protects businesses against the costs of compensating individuals and companies if they suffer bodily injury or damage to their property. This does not include employees, who are protected under Employers Liability Insurance. This type of cover pays for the claimants' legal costs and the costs of defending the action.

Commercial Auto Fleet Liability
Commercial Automobile Insurance protects businesses financially from compensation claims from third parties as a result of a motor accident or from the theft of a vehicle. These third party claims could be in the form of financial compensation for injury or property damage for a third party. Businesses must insure their own vehicles Third Party Only as a legal minimum requirement and covers area available up to fully comprehensive.

Workmen's Compensation
Workmen's Compensation insurance protects businesses against employee death, bodily injury and illness arising out of work related exposures in accordance with the U.A.E. Labor Laws. In addition, the policy provides coverage for accidental medical benefits in private hospitals and clinics and repatriation expenses. It also covers associated costs such as claimants' legal fees and the costs of defending the action. This insurance will normally provide protection against the cost of defending prosecutions of the insured under health and safety legislation with regard to incidents relating to employees. Sometimes statutory limits may not be enough in which case Companies with a large number of employees can buy larger limits of cover (excess liability). Also, coverage can offered for employees working offshore.

Employer's Liability
Employer's liability insurance protects businesses against the costs of compensating employees who are injured in the work place as a result of an employers negligence. It also covers associated costs such as claimants' legal fees and the costs of defending the action. This insurance will normally provide protection against the cost of defending prosecutions of the insured under health and safety legislation with regard to incidents relating to employees. We can offer local, worldwide and worldwide excluding Canada & USA territories and jurisdictions. Also, coverage can offered for employees working offshore.

Defense Based Act (DBA)
The Defense Base Act ("DBA") was established in 1941. The primary goal of the Act was to extend the benefits of the US Longshore and Harbor Workers' Compensation Act ("USL&H") to workers on military bases outside the United States. The Act was amended to include public works contracts with the government for the building of non-military projects such as dams, schools, harbors and roads abroad. A further amendment added a vast array of enterprises revolving around the national security of the U.S. and its allies. Today, almost any contract with an agency of the U.S. government, for work outside the continental U.S.A., whether military in nature or not, usually requires Defense Base Act coverage.

All U.S. Citizens, third country nationals ("TCN") and local nationals employed on the job site are covered under the DBA policy. In addition, all employees of all sub-contractors employed on the job site, regardless of their nationality or country of hire are covered under the DBA policy.

Environmental Liability

Pollution Legal Liability
Pollution legal Liability is a site-specific environmental insurance policy that allows the insured to design a program suitable for the insurable risk of the facility. It includes on and off-site coverage for property damage, bodily injury and clean-up costs triggered by sudden and gradual pollution conditions. It also makes enhanced non-owned disposal site coverage available to generators of waste materials.

Contractors Pollution Liability
Contractors Pollution Liability protects environmental and industrial contractors against claims of third party bodily injury and property damage arising from pollution conditions caused while working at customers' sites. It covers both sudden and gradual pollution, on and off-site clean up costs and completed operations.