Additional assets: providing cover for damage to works of art, tapestry, business books, clothing, personal effects and more AED 5,000 per item and AED 25,000 per event and in the aggregate Architects, surveyor's and engineer's fees: 10% of property sum insured up to AED 100,000/-
Fire protection costs: 10% of property sum insured up to AED 75,000/-
Debris removal: 10% of property sum insured up to AED 100,000/-
All other contents clause: up to AED 20,000/- AOC & AAG excluding cash, jewelry and valuables.
Strike, Riots and civil Commotion: Covered
Temporary removal: Up to AED 100,000/-
Capital additions: limit of 10% of the location sum Insured Up to AED 100,000/-
Workmen's clause: Up to AED 15,000/-
Burglary by forcible entry: Covered
Locks and keys: Up to AED 2,500 following burglary by forcible entry.
Public authorities: Up to AED 100,000/-
Sprinkler leakage: Up to AED 50,000/-
Impact damage by own vehicles: Up to AED 50,000/-
Trace and access: Up to AED 10,000/-
Loss minimization expenses: Up to AED 50,000/-
Expediting expenses: Up to AED 25,000/-
Temporary repairs: Up to AED 35,000
72 hours clause: Covered
Automatic Reinstatement of Sum Insured: subject to declaration and pro-rata premium.
Claims Preparation Costs: up to AED 15,000/-
Deterioration of stock following machinery breakdown: limited to AED 100,000/-
Machinery breakdown: following fire only
Payment on Account: 50% Of Sum Insured subject to loss adjusters recommendation.
Fire brigade and extinguishing expenses: 10% of claim amount up to a maximum of AED 100,000/-
Property in the open: covered under Fire and lightning only unless designed to operate in the open. (as per LM7 cover i.e. buildings, structures and plants)
Breakage of fixed glass or sign board: Portable Electronic Equipment
Cover includes portable Electronic Equipment declared under contents SI:
Within the premises up to full declared value
Outside the premises insured (within the UAE) subject to a sub-limit of AED.25, 000 per item & in the aggregate.
Third Party Liability Covers
Public Liability: Covered
Tenant's Liability: Covered
First Aid Facilities (first aid treatment): Covered
Neon & advertising signs: Covered
Outdoor antennas/satellite dish for fire and lightning: Covered
Ownership of passengers lifts or elevators: Covered
Accidental and Sudden Pollution: Covered
Liability arising from bursting of boilers or pressure vessels: Covered
Neighbor's Liability: Covered
Claims Preparation Costs: up to AED 15,000/-
Cancellation Clause: - 30 Days
Defective sanitary arrangement, water pollution, chemicals effluent fumes or other noxious gas, liquid or substance due to sudden and unforeseen incident: Covered
Bursting of pipes and overflowing of water tanks: up to AED 100,000/-
Errors and omission clause: up to AED 25,000/-
Including Liability arising out of Fire & Explosion: Covered
Cross Liability: Covered
Primary Insurance Clause: Covered
Waiver of Subrogation: Covered
Food Poisoning: Covered (for restaurants and cafes only)
Premises risk only: Covered
Work away risk: not covered (to be referred back)
Delivery Risk: Limited to AED 250,000/- (Deliveries are done by motorcycles or sometimes by car)
Workmen's Compensation
Medical Expenses: up to a limit of AED 35,000.- per person per year
Repatriation Expenses: AED 35,000.- anyone person including cost of accompanying person
Employer's Liability: Up to AED. 3,672,500.- AOO/ aggregate
Employee to Employee: Liability while in course of employment only
Extended to Cover 24 Hours: Non-Occupational Personal Accident cover Extension (Accidental Death and Permanent Total Disability only)
Sun Stroke and Hernia as Industrial Disease: Covered
Insured's employees whilst on flights and/or commuting from/to country of work provided they are not part of the flight as aircraft crew: Covered
New employees on employment visas whilst on incoming flights from their country of origin to country of work: Covered
Employees on temporary hire for whom the insured is responsible and on the insured's payroll but not under their sponsorship provided all the legal formalities are finalized prior to start of work: Covered
Automatic addition and deletion subject to premium adjustment at expiry: Covered
Cancelation clause: 30 days
Funeral Expenses: for a limit of AED 5,000 per person, only when repatriation is not possible
Fidelity Guaranty
Discovery Period 3 month from date of loss (loss occurring during the policy period): Covered
Employee dishonesty: Covered
Limit chosen is per person: Covered
Mysterious disappearance: not covered
Money Insurance
Cash in premises during business hours: up to full limit
Cash in locked safe out of business hours: up to full limit
Cash in transit (Single carrying Limit): up to full limit
Estimated Annual Carryings: Up to AED 5,000,000/-
Cover for damage to Insured's Safe due to theft or attempted theft: Limit: AED 5,000/- per occurrence
Keys Clause: Cover under this insurance includes reasonable expenses incurred necessarily in replacing locks to the safe or strong room for which the Insured is responsible consequent upon the loss of keys from the premises or from the residence of any employees of the Insured who are authorized to keep custody of the keys
Hold-up cover: Covered
Personal Assault extension - limit: AED 7,500/- per employee
Automatic addition of location clause in the policy subject to declaration on a monthly basis: location limit up to AED 10,000/- for money in premise at additional premium
Money in locked drawer after office hours: limited to AED 5,000/-
Portable equipment's in transit: up to AED 25,000/-