from AED 65/yr | MOHRE Compliant | eSanad
Premier Workmen's
Compensation UAE 2026
Protect your workforce and your business from statutory liabilities. In compliance with Federal Decree-Law 33/2021, we compare 35+ underwriters to secure MOHRE-aligned compensation programs.
35+
Partners
1.5 M+
Customers
1.5 M+
Policies
Proposal Details
Rate Matrix 2026 Benchmarks
Workmen's compensation rating benchmarks based on risk classification and profession. Indicative annual benchmarks per employee for 2026.
| Risk Class | Profession / Sector | AED / Employee / yr |
|---|---|---|
| Class I | Office administrative | 65 |
| Class II | Retail, hospitality floor | 185 |
| Class III | Drivers, warehouse, security | 280 |
| Class IV | Construction labour, scaffolder | 850 |
| Class V | Steel erector, electrician at height | 1,200 |
| Class VI | Oilfield workers, divers, offshore | 1,800 |
| Class VII | Emergency services, mining | 2,400 |
Total Workforce Protection
MOHRE-aligned workmen's compensation programs covering all statutory obligations under UAE Labour Law.
Statutory Benefits
Medical expenses (Hospital, Surgery).
Temp Disability (100% wage for 6m).
Permanent total disability (24x wage).
Death benefit (24x monthly wage).
Repatriation of mortal remains.
Employer Liability (EL)
Common-law claims protection.
Third-party over recovery.
Legal defense costs protection.
Injury to contracted agency labour.
Limits from AED 5M to 100M.
Essential Extensions
24-hour cover (Off-duty injuries).
Occupational diseases protection.
Terrorism / SRCC coverage.
EOSB coverage on death.
Funeral expenses (AED 5K-10K).
Safety & Compliance
MOHRE / DOL registered contracts.
OHS standards compliance.
48-hour injury reporting support.
PPE negligence protection via EL.
Business suspension avoidance.
WC vs Health vs Personal Accident
| Aspect | Workmen's Comp | Health Insurance | Personal Accident |
|---|---|---|---|
| Trigger | Work injury | Any medical need | Any accident |
| Who pays | Employer | Employer (mandatory) | Individual/employer |
| Legal basis | Labour Law | PDPA DHA/DOH | Voluntary |
| Wage replacement | (if added) | ||
| Repatriation | |||
| EOSB on death |
Workmen's Compensation FAQ
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Last updated: April 2026 | Compliant with Federal Decree-Law 33/2021 & MOHRE regulations