Commercial Property Insurance UAE | Business Assets Cover

from AED 1,200+ | Fire · Flood · Theft · Terrorism

Commercial Property Insurance UAE 2026

Protect your buildings, stock, machinery, and fit-outs. eSanad partners with 35+ top-tier insurers to deliver the most competitive PAR and IAR cover across the UAE.

35+

Insurance Partners

1.5 M+

Trusted Customers

1.5 M+

Policies Sold

Proposal Details

2026 Commercial Property Premium Benchmarks

Estimated annual rates based on standard UAE business types. Final pricing depends on location, occupancy, and fire-fighting systems (Civil Defence compliance).

Business Type	Sum Insured (AED)	From AED/Year	Key Perils Covered
Retail shop (mall)	500,000	1,200	Fire, theft, flood
Office (DIFC / ADGM)	1,000,000	1,950	Fire, water, terrorism
F&B restaurant	800,000	3,500	Fire, cold-chain, spoilage
Clinic / dental	1,200,000	2,800	Fire, equipment, liability
Warehouse JAFZA	5,000,000	8,500	All risks + stock fluctuation
Industrial DIC	20,000,000	45,000	IAR + machinery breakdown
Hotel apartment	15,000,000	28,000	All risks + loss of rent

*Indicative rates only. Sum insured includes Fit-out + Stock + Contents. Building owner insurance is separate.

PAR vs Industrial All Risk (IAR)

Choosing the right wording is critical. Property All Risk (PAR) is ideal for commercial assets, while IAR is designed for manufacturing and heavy operations.

Plan Aspect	Property All Risk (PAR)	Industrial All Risk (IAR)
Best For	Offices, shops, warehouses	Factories, plants
Machinery Breakdown	Optional Add-on	Built-in / Core
Sum Insured (Typ.)	Up to AED 100M	AED 50M - AED 500M+
Risk Survey	If SI > AED 5M	Always Required
BI Indemnity Period	12 months typical	18 - 36 months
Price Point	Standard / Competitive	Complex / Technical

What's Covered & Excluded

Policy Inclusions

Fire, lightning, and explosion damage.

Flood, storm, and sandstorm (crucial post-2024).

Burst pipes and sudden water damage.

Theft & burglary (with forced entry).

Malicious damage, riots, and strikes.

Impact damage (vehicles or aircraft).

Terrorism (extension, often landlord mandated).

Business interruption (loss of profits up to 24mo).

Rent payable if premises are uninhabitable.

Public liability up to AED 5M (bundled).

Electronic equipment (computers, POS).

Goods in transit within the UAE.

Key Exclusions

General wear, tear, and gradual deterioration.

Consequential loss beyond declared BI.

Unoccupied premises (beyond 30 days undeclared).

War, nuclear risk, and contamination.

Cyber-attack (requires separate cyber policy).

Defective design or faulty workmanship.

Pollution (unless sudden and accidental).

Free Zone & Lender Compliance

Accepted by all major UAE landlords and financial institutions. Mandatory for trade licence renewals and mortgage approvals.

Major Free Zones

DIFC & ADGM Financial Districts

JAFZA & DAFZA Industrial Hubs

DMCC & Dubai South (DWC)

KIZAD & Masdar City

Sharjah (SAIF Zone / Hamriya)

Legal Authorities

Department of Economy & Tourism

UAE Civil Defence (Fire Safety)

All Major Local Banks (Mortgages)

Federal Tax Authority (FTA)

Mortgage Approved

ADCB / FAB / ENBD

Dubai Islamic Bank

Standard Chartered

HSBC Middle East

Property Insurance — FAQs

Not federally mandatory, but required by most landlords in DIFC, ADGM, JAFZA, and DMCC as a tenancy clause. Banks also require it for mortgaged buildings.

Full replacement value of building + contents at current 2026 costs (AED 1,200-1,800/sqft for fit-out). Under-insurance triggers the average clause.

Yes—eSanad partners include flood and storm perils as standard in 2026 policies. Always confirm the specific wording before purchase.

It pays lost profits and fixed overheads if a fire or flood forces a shutdown. Indemnity periods are typically 12, 18, or 24 months.

Not federally, but most free-zone landlords require it. It usually adds about 10-15% to the premium.

Yes, you must declare the fit-out value separately. This is crucial for high-spec interiors in DIFC and ADGM offices.

Unoccupancy beyond 30 days must be declared; otherwise, cover may be restricted to limited perils like fire and lightning.

Yes, via 'money cover' extension: typically up to AED 100K in a safe and AED 50K in transit.

Yes, through a 'stock declaration policy' with monthly declarations and specialist rates for jewellers.

Optional add-on covering servers, AC units, and POS systems against internal mechanical or electrical failure.

Notify within 7 days, get a police report for theft, and a surveyor is usually appointed within 48 hours. Settlement takes 14-30 days.

Yes, multi-location schedules are available with a single master policy for easier management and renewal.

Yes, plate glass cover with rapid 24-hour replacement is available in most emirates.

Yes, on F&B and pharma tiers, covering deterioration due to refrigeration breakdown up to AED 250K.

If you insure for less than 85% of replacement value, the insurer pays only a proportionate share. Always declare the full value.

Yes, eSanad onboards new companies immediately with just a valid trade licence.

Typically up to AED 50K; however, you should declare higher-value backlit or neon signs separately.

It's often bundled up to AED 5M on most PAR policies; higher limits require a separate Public Liability policy.

Under 24 hours for sums insured up to AED 5M via UAE Pass. Larger risks may require a 3-5 day survey.

Yes—via Tabby 4-installments, or quarterly financing through eSanad partners with a small surcharge.

UAE Insurance Market

Explore All UAE-Licensed Insurance Companies

Browse profiles of every insurer operating in the UAE — products,strengths, TPAs and regulatory standing, all in one place.

54+

Licensed Insurers

Operating in the UAE

National Takaful Companies

Sharia-compliant options

35+

eSanad Partners

Available to compare now

Arabia Insurance

Dubai, United Arab Emirates · Retail, SME, Corporate

Commercial Property Insurance UAE 2026

Proposal Details

Property Insurance — FAQs

Q1Is commercial property insurance mandatory in UAE?

Q2How much commercial property cover do I need?

Q3Does it cover the April 2024 Dubai floods?

Q4What is business interruption cover?

Q5Is terrorism cover mandatory?

Q6Does the policy cover tenant improvements?

Q7What if my premises are unoccupied?

Q8Can I insure cash on premises?

Q9Are valuable stock items like jewellery covered?

Q10Does it cover electronic equipment breakdown?

Q11What's the claim process?

Q12Can I insure multiple branches under one policy?

Q13Does it cover glass shopfronts?

Q14Is spoilage of frozen stock covered?

Q15What’s co-insurance / average clause?

Q16Can startups with short history get cover?

Q17Does cover extend to signage outside building?

Q18Is public liability included or separate?

Q19How long to issue the policy?

Q20Can I pay monthly?

Explore All UAE-Licensed Insurance Companies

Commercial Property Insurance UAE 2026

Proposal Details

Property Insurance — FAQs

Q1Is commercial property insurance mandatory in UAE?

Q2How much commercial property cover do I need?

Q3Does it cover the April 2024 Dubai floods?

Q4What is business interruption cover?

Q5Is terrorism cover mandatory?

Q6Does the policy cover tenant improvements?

Q7What if my premises are unoccupied?

Q8Can I insure cash on premises?

Q9Are valuable stock items like jewellery covered?

Q10Does it cover electronic equipment breakdown?

Q11What's the claim process?

Q12Can I insure multiple branches under one policy?

Q13Does it cover glass shopfronts?

Q14Is spoilage of frozen stock covered?

Q15What’s co-insurance / average clause?

Q16Can startups with short history get cover?

Q17Does cover extend to signage outside building?

Q18Is public liability included or separate?

Q19How long to issue the policy?

Q20Can I pay monthly?

Explore All UAE-Licensed Insurance Companies