from AED 950 | DED & Mall Compliant | eSanad
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Insurance UAE 2026
Protect your retail business with the UAE’s most flexible insurance. From luxury boutiques to local convenience stores, we compare 35+ underwriters to secure your stock, glass, and public liability.
35+
Partners
1.5 M+
Customers
1.5 M+
Policies
Proposal Details
Rate Matrix 2026 Benchmarks
UAE retail insurance benchmarks based on retail format and sum insured. Fully compliant with major mall requirements (Emaar, MAF, Aldar).
| Retail Format | Sum Insured (AED) | From AED/year |
|---|---|---|
| Kiosk (mall) | 150,000 | 550 |
| Fashion boutique (60 sqm) | 500,000 | 1,200 |
| Mid-size fashion (150 sqm) | 1,500,000 | 3,200 |
| Electronics shop | 2,500,000 | 5,800 |
| Cosmetics/beauty | 1,200,000 | 2,600 |
| Supermarket (small) | 3,500,000 | 7,400 |
| Hypermarket | 30,000,000 | 55,000 |
| Luxury fashion flagship | 15,000,000 | 18,000 |
| Mobile phone store | 2,000,000 | 4,500 |
| Bookstore / stationery | 800,000 | 1,650 |
Retail Package Inclusions
Comprehensive protection for your shop, inventory, and liability in a single policy.
Stock & Inventory
Stock in trade fire & theft.
Flood & malicious damage.
Window display damage.
Goods in transit extension.
Seasonal peak stock adjustments.
Fit-out & Property
Fixtures, fittings & joinery.
Plate glass & shop front.
POS & Electronic equipment.
Signage (illuminated/static).
Rent payable coverage.
Liability & Money
Public liability (AED 5-10M).
Employer liability & WC.
Money in till, safe & transit.
Fidelity employee dishonesty.
Terrorism / SRCC extension.
Business Continuity
Business interruption (12-24m).
Lost profits protection.
Mall closure extensions.
Alternative premises costs.
Fixed overheads coverage.
Mall Landlord Compliance
Dubai Mall (Emaar)
Public Liability AED 10M minimum, Terrorism extension mandatory, and Mall Management named as additional insured.
MoE / City Centre (MAF)
PL AED 5M-10M, fit-out insurance during works, and full property coverage for glass and storefront.
Yas / Marina (Aldar)
PL AED 5M+ and Property All Risk, including liability for adjacent mall common areas.
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