DIFC · DMCC · ADGM · All-in-One Package
Office Multicover UAE 2026
All-in-one protection for fire, theft, IT gear, and public liability. 35+ insurers compared in 90 seconds with UAE Pass instant quotes.
35+
Insurance Partners
1.5 M+
Trusted Customers
1.5 M+
Policies Sold
Office Details
Office Multicover Rate Table 2026
Estimated annual premiums based on total sum insured (fit-out + contents + equipment). DIFC and ADGM regulated firms may require higher liability limits.
| Office Size | Sum Insured (AED) | From AED/year |
|---|---|---|
| Co-working seat (1–4 desks) | 200,000 | 650 |
| Small office (5–15 desks) | 500,000 | 1,200 |
| Mid (15–50 desks) | 1,500,000 | 3,400 |
| Corporate (50–150 desks) | 5,000,000 | 9,500 |
| Large (150–500 desks) | 15,000,000 | 35,000 |
eSanad vs Traditional Brokers
| Feature | eSanad Advantage | Other Brokers |
|---|---|---|
| Insurer partners | 35 UAE insurers | 5 to 10 typical |
| UAE Pass instant quotes | Yes, 90 seconds | No, 1 to 3 days |
| Document uploads | None required | Always required |
| Processing time | 90 seconds | 13 days average |
| 24/7 AI support | Yes | Call center hours only |
| Average savings | 30% | Baseline |
All-in-One Office Protection
Property & Contents
Fire, Flood, Storm & Sandstorm
IT Equipment (Servers, Laptops)
Furniture, Fixtures & AV
Theft (Forced Entry)
Liability & Money
Public Liability up to AED 25M
Tenant Liability (Landlord Ppty)
Money in Safe / Transit
Plate Glass & Signage
Revenue & Continuity
Business Interruption (BI)
Lost Rent & Fixed Costs
Staff Wages up to 24 Months
Electronic Data Reconstruction
Employees & Crime
Employee Fidelity (Dishonesty)
Money in Petty Cash
Work-from-Home IT Extension
Terrorism / SRCC Extension
Free Zone & Landlord Ready
eSanad policies are pre-vetted for compliance with Dubai and Abu Dhabi’s major commercial landlords and authorities.
DIFC
PL AED 5M+ mandatory
Property certificate for Authority/Landlord
Tower-specific terrorism extension
DMCC / DM
Tenant insurance mandatory for unit occupancy
PL AED 2-5M based on unit size
Paperless filing compatible
ADGM
Property + PL alignment with Al Maryah Island
FSRA compliant firm support
PI separately bundled
JAFZA / Silicon Oasis
Free-zone manual fire & property compliance
Official insurance certificate issuance
Landlord liability inclusion
Office Insurance — FAQs
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Last updated: March 2026 | Compliant with UAE Insurance Authority (CBUAE)