Liability Insurance
35+
Insurance Partners
1.5 M+
Trusted Customers
1.5 M+
Policies Sold
Proposal Details
2026 Public Liability Premium Guidance
Estimated annual rates based on standard business occupancy. Limits are typically requested by landlords (AED 5M-10M) or master developers (AED 25M-100M).
| Business Type | Limit Covered (AED) | From AED/Year |
|---|---|---|
| Small office / consultancy | 2,000,000 | 850 |
| Retail shop | 5,000,000 | 1,650 |
| Medical clinic | 5,000,000 | 3,200 |
| Restaurant / café | 10,000,000 | 2,800 |
| Hotel | 25,000,000 | 18,000 |
| School / nursery | 10,000,000 | 8,500 |
| Contractor (MEP / interiors) | 10,000,000 | 8,500 |
| Construction main contractor | 25,000,000 | 28,000 |
| Event organizer (per event) | 25,000,000 | 6,500 |
| Amusement / theme park | 100,000,000 | 120,000 |
*Indicative rates. Standalone PL policies or package extensions. Events are priced per-event duration.
PL vs EL vs Professional Indemnity (PI)
Most UAE commercial enterprises require a combination of these three to form a complete liability stack.
| Insurance Type | What It Insures | Typically Required By |
|---|---|---|
| Public Liability (PL) | Third-party Bodily Injury + Property Damage | Mall landlords, DET, free-zone developers |
| Employer Liability (EL) | Employee injury/death beyond WC statutory | Large projects, banks, government tenders |
| Professional Indemnity (PI) | Errors, omissions, and professional negligence | DED licensing, DFSA, RERA, Consultants |
| Product Liability | Defective products causing user injury | Manufacturers, distributors, retailers |
Scope of Public Liability Protection
Key Inclusions
Bodily Injury: Customers, visitors, and passers-by.
Property Damage: Accidental damage to 3rd party property.
Legal Defence: Lawyer fees and court awarded damages.
Tenant's Liability: Damage to the landlord's premises.
Fire Legal Liability: Spread of fire to neighbours.
Food & Drink Liability: Crucial for restaurants and F&B.
Products Liability: Injury caused by products sold.
Advertising Injury: Libel/slander in marketing materials.
Contingent Liability: Acts of sub-contractors on your behalf.
Sudden & Accidental Pollution: (Common for contractors).
Standard Exclusions
Contractual Liability (Liabilities beyond tort/negligence).
Employee Injuries (Covered by Workmen’s Comp / EL).
Professional Negligence/Advice (Need PI Insurance).
Damage to your OWN property (Need Property Insurance).
Motor Vehicle accidents (Need Motor Insurance).
Aircraft and Watercraft operations.
Asbestos, Nuclear, and War risks.
Fines, Penalties, and Liquidated Damages.
Mandatory Authority Compliance
Our Public Liability policies are approved by DET, DCT, and major UAE landlords for immediate permit issuance.
Mall Tenants
Dubai Mall / MoE: AED 10M Limit
Mall-tenant Package Acceptance
NOC for fit-out works
BOC (Beneficial Occupancy Cert)
Event Organizers
DET (Dubai Tourism) Permits
Abu Dhabi DCT Compliance
Venue NOCs (Coca-Cola Arena, MoE)
AED 5M - 50M+ Limit Scalability
Contractors & Trades
Dubai Municipality Stamped
Trakhees / DMCC Compliant
Main Contractor B2B Contracts
Third-party site injury cover
Public Liability – FAQs
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
12
National Takaful Companies
Sharia-compliant options
35+
eSanad Partners
Available to compare now
35+ insurance companies listed — explore profiles, products & more
See allSecure Your Business Liability Today
Compare PL, EL, and PI quotes from 35+ UAE partners. Compliant certificates for all major malls and authorities issued same-day.