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    PUBLIC LIABILITY INSURANCE TO SAVE YOU TIME AND MONEY

    A public liability insurance will protect your business in the event a third party person is injured or their property is damaged as a result of your business activities or on your business premises.
    Public liability insurance becomes a must for businesses which involve:

    • Leasing or owning a premises
    • ​Frequent visits by customers and guests
    • Carrying out work at client’s premises
    • Regular interaction with the public

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    OUR PUBLIC LIABILITY INSURANCE PARTNERS

    One size does not fit all. We work with Leading Public Liability Insurance companies in the UAE to tailor the right policy for you and your employees.

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    AXA
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    ORIENTAL
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    TYPICAL SCOPE OF PUBLIC LIABILITY INSURANCE

    Accidental_death

    Accidental death of third parties due to negligence

    bodily_injury

    Bodily injury of third parties due to negligence

    damage_property

    Loss or damage to property of third party due to negligence

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    Legal costs and expenses

    DO I NEED PUBLIC LIABILITY INSURANCE?

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    Do you own or rent a property such as a building, warehouse or an office?
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    Does your business involve work in public areas or visits to a client’s premises?
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    Does your business involve manufacture or distribution of any products?
    If your answer is yes to any of the above, you have some level of exposure towards third parties and it is highly recommended to have a public liability insurance to cover these risks. You may additionally be required by contract to provide proof of such an insurance cover to your clients.

    HOW DOES THE COVER WORK?

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    Public liability insurance offers cover against claims from third parties and clients for negligent damage to their property or bodily injury up to the limit specified in the policy. The limits would include costs of legal defense and damages awarded by a court.
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    Limits can be offered from as low as AED 500,000 up to AED 100m any one occurrence. Obviously the limits required may depend on a requirement from a free zone or as contractually required for a project.
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    Insurers maintain the right to defend claims and insured’s aren’t allowed to offer any remedy or accept liability without written consent of the insurers.
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    Cover is usually offered on an “occurrence basis”. This means that as long as a covered event has “occurred” within the period of insurance, the policy will respond. So it doesn’t matter if the claim was made after the policy expired.

    What types of claims are NOT covered?

    PREMISES LIABILITY VS WORK AWAY LIABILITY?

    Two types of Public Liability Insurance are typically sold in the UAE.
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    Cover for Premises Risks only

    Cover is provided only in respect of any third party claims arising out of your premises. This could be a visitor slipping on a wet floor in your office or a Fire starting at your office and spreading to a neighbor
    Accidental_death

    Cover for All Business Activities (Including Work Away)

    Cover is provided in respect of any third party claims arising out of your business activities. This could be from damage to a client’s property while you carry out some work there or injury to general public while carrying out your business in a public area

    HOW DOES IT WORK?

    1

    Get in touch with us

    2-1

    We understand your business requirements and have you fill up a proposal form

    3

    We work with underwriters to procure the most suitable terms for you

    4

    We send you detailed quotations and help you compare

    5

    We obtain your necessary documents

    6

    We collect your payment

    7

    We send you your certificate of insurance and policy documents

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    WE'LL COMPARE PUBLIC LIABILITY INSURANCE FOR YOU!

    WHY CUSTOMERS LOVE INSURANCEMARKET.AE

    PAYMENT OPTIONS FOR PUBLIC LIABILITY INSURANCE

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    Credit Card

    Bank_transfer

    Bank Transfer

    cash

    Cash

    bank_cheque

    Cheque