01
Group medical
Mandatory health cover for employees. Requirements and minimum benefits vary by emirate.
Service
Business insurance.
The cover you're legally required to hold, the cover your clients will demand, and the cover you'll wish you'd had — sorted at the same time as your licence.
What businesses typically need
Some is mandatory, some is contractual, and some is just sensible.
02
Workmen's compensation
Statutory cover for employee injury — required across the UAE for most employers.
03
Public & product liability
Third-party injury and damage. Often a contractual requirement before a client will sign.
04
Professional indemnity
For consultancies, agencies and any business selling advice or professional services.
05
Property & contents
Office, stock, equipment and fit-out against fire, theft and water damage.
06
Cyber liability
Breach response, data liability and business interruption — increasingly demanded by enterprise clients.
How we work
We're brokers, not a single insurer, so we compare across the market rather than selling you one provider's product. For most young companies the useful conversation isn't 'what's cheapest' — it's 'what's actually required, what will our clients demand in twelve months, and what would genuinely hurt if it happened'.
Bundling cover with company setup means it's in place from day one, rather than being the thing you sort out after a client asks for a certificate you don't have.
- Whole-of-market comparison rather than a single insurer's book
- Bundled with setup so cover starts when the company does
- Member rates across every policy type
- Claims support — we handle the process when something goes wrong
- Annual review so cover scales with headcount and revenue
Insurance questions
What's legally mandatory?
Employee health cover and workmen's compensation apply to most employers, with specific requirements varying by emirate and free zone. Some activities and licences carry additional mandatory cover — we check yours against the requirements at setup.
When do clients start asking for certificates?
Sooner than most founders expect. Public liability and professional indemnity certificates are routinely required before enterprise or government clients will sign — often at contract stage, when you don't have time to arrange it.
Can I insure before I have employees?
Yes, and for liability cover it usually makes sense. Medical and workmen's compensation only become relevant once you're hiring.
How much does it cost?
It depends entirely on activity, headcount, revenue and cover limits. We quote across the market so you can see the actual range rather than a single number.