General Insurance

Our general insurance covers all assets other than human life. It covers probable financial loss that may arise due to loss of or damage to those assets. These policies include buildings, equipment, vehicles, business, data, art, events, jewelry, or anything of value to its owner. We also cover the legal liability that may arise due to the ownership of the asset in addition to loss of or damage to an asset.

Products of General Insurance

Property/Engineering
  • Property All Risk (PAR)
  • Fire & Allied Perils Including Burglary
  • Office Multicover
  • Jewellers' Block Insurance
  • Money Insurance
  • Home Insurance
  • Consequential Loss Insurance/ Loss of Profit/ Business Interruption
  • Fidelity Guarantee
  • Erection All Risk
  • Contractor's Plant & Machinery
  • Electronic Equipment Insurance
  • Cyber Crime Insurance
  • Commercial Crime Insurance
  • Banker's Blanket Bond
  • Machinery Breakdown
  • Contractors' All Risk

Liabilities
  • Workmen's Compensation
  • Employer's Liability
  • Public Liability
  • Product Liability
  • Keyman Insurance
  • Medical Malpractice
  • Professional Indemnity
  • Ship Repairer's Legal Liability
  • Comprehensive General Liability
  • Freight Forwarder's Liability
  • Hauliers Liability

Miscellaneous
  • Group Life Insurance
  • Group Personal Accident
  • Travel Insurance
  • Pleasure Craft Insurance
  • Event Insurance/ Event Cancellation Insurance
  • Credit Insurance
  • Pet Secure Insurance
  • Live Stock Insurance
  • Marine Cargo Insurance
  • Individual Marine Insurance
  • Marine Open Cover

Documents Required for General Insurance

You need to submit certain essential documents to buy general insurance:

  • Identification Proof (Emirates ID for residents or passport copy for non-residents)
  • Visa Copy (for resident)
  • Vehicle Registration Card (for motor insurance)
  • Property Documents (for home insurance)
  • Trade License (for business insurance)

Inclusions in General Insurance

You need to submit certain essential documents to buy general insurance:

  • Property/Engineering
  • Liabilities
  • Miscellaneous

Exclusions in General Insurance

  • Pre-existing conditions
  • War and terrorism
  • Nuclear risks
  • Illegal activities
  • Wear and tear
  • Negligence
  • Unspecified risks

Who Needs A General Insurance Policy?

A general insurance policy is essential for various individuals and businesses to protect their assets and mitigate financial risks. Homeowners, vehicle owners, business owners, event organizers, marine cargo owners, contractors, etc. are just a few examples and the necessity of general insurance coverage can change based on the needs and circumstances of each individual.

Factors Affecting the Cost of General Insurance

Your employees' finances are protected by group medical insurance since it lowers their out-of-pocket expenses and guarantees they will receive necessary medical care. In the competitive labor market of the UAE, attracting and retaining talented people is a genuine issue. Providing group medical insurance with comprehensive coverage could help set your company apart. Improved job satisfaction and loyalty are a result of employees feeling respected and cared for. Increased productivity, solutions at low cost, personalization and adaptability, and compliance with regulations are some other major advantages.

  • The type of general insurance coverage
  • Risk factors
  • Your previous claim history
  • The location of the insured property
  • Value of insured property
  • Deductibles
  • Your credit score
  • Age and condition of the property
  • Coverage limits you choose
  • Additional coverage

The Importance of General Insurance in the UAE

General insurance is essential because of the periodical risks like a high rate of traffic accidents, a developing economy, and severe weather. Purchasing this policy will definitely help you with financial security against unexpected occurrences like natural disasters, thefts, and accidents, promising both people and organizations recovery without facing severe financial loss. General insurance also facilitates complying with legal obligations, such as requiring people to have health insurance. Now, understand that it's crucial to lessen any financial troubles, especially given the nation's dynamic environment and rapid expansion.

Benefits of Purchasing General Insurance

  • Financial Protection

    General insurance ensures that people and organizations recover without suffering major financial loss by offering financial protection against unexpected events including accidents, theft, natural disasters, and liability claims.

  • Legal Compliance

    Some general insurance policies, like health insurance for residents, are mandatory by law, ensuring adherence to regulations and preventing potential legal issues.

  • Risk Management

    By shifting the financial burden of unexpected events to us, this insurance helps people and businesses manage risk by lessening the impact on their own finances or business operations.

  • Peace of Mind

    General insurance provides peace of mind, making you focus on your personal or professional activities with peace of mind knowing that you have insurance against threats, and are not worried about potential financial losses.

  • Coverage Flexibility

    Our plans can be customized to meet the needs of an individual or a business, providing a variety of coverage options and limitations to guarantee sufficient protection.

  • Support and Assistance

    In order to make difficult situations simpler to handle, we frequently offer support services like emergency assistance, claims assistance, and access to networks of healthcare professionals.

  • Business Continuity

    Our policies support recovering and rapidly restarting functions after facing an unexpected event, just by covering liability claims, business interruption, and property damage.

Features of General Insurance in the UAE

  • A wide range of coverage options including comprehensive protection against various risks.
  • Customizable policies to suit the specific needs of individuals and businesses.
  • Competitively priced insurance plans.
  • Best support and assistance during the claims process.
  • Risk management services to help customers identify and mitigate potential risks.
  • Renewable policies allow for continuous coverage for customers.
  • Optional add-ons.

FAQs

In order to satisfy the wide range of needs of our clients, we provide a broad selection of general insurance products. Our offerings include property/engineering plans, liability plans, and miscellaneous. You can check our complete product list section for further information.

We provide customized insurance coverage because we recognize that each person and company is different. By choosing the coverage options and limits that best meet your needs, you can customize your insurance and make sure you have the right level of protection.

Yes, we work hard to provide insurance policies at competitive prices so that you may afford coverage without sacrificing quality or service. Our team strives to maintain our premiums' competitiveness in the market, and we are open and honest about our pricing.

Since we recognize that submitting a claim can be a stressful experience, we provide comprehensive claims support to help you through the procedure. Our committed claims team is here to help you at every stage, making sure that your claim is processed quickly.

Yes, in order to assist you in identifying and reducing any risks, we provide risk management services. To reduce the impact on your personal or professional life, our team of experts assesses your risk exposure and offers customized solutions.

Yes, it's simple and hassle-free to renew your coverage. Our plans are made to be easily renewed, giving you continuous coverage. Either online or through our customer support team, you can renew your policy.

Yes, we offer optional add-ons at no cost to customers who wish to expand their coverage. We provide several more coverage options, so you can select whether you need coverage for valuables, special events, or particular risks. This allows you the freedom to customize your coverage to meet your specific needs.

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