Construction insurance rules in the UAE
Dubai ties a policy to the construction permit.
- Dubai alteration or addition threshold
- 300 square metres
- Dubai policy period, building works
- Permit date to 1 year after completion
- Engineering, construction and energy premium, 2025
- AED 4,284.1 million
Read the rules for Construction →Logistics and freight insurance rules in the UAE
Rules attach to an international land route, a vehicle or a vessel.
- Marine and aviation premium, 2025
- AED 2,258.6 million
- UAE non-oil foreign trade, 2025
- About AED 3.8 trillion
- Carrier liability cap for sea cargo
- 835 SDR per package or 2.5 SDR per kilogram
Read the rules for Logistics and freight →Tourism and leisure insurance rules in the UAE
Each rule attaches to a fact, such as organising tours, a sports permit, a vessel licence, a timeshare unit or an Abu Dhabi event permit.
- Dubai fine for no valid tour policy
- AED 5,000 to 20,000
- Dubai tour policy period
- Licence term plus 1 month
- Dubai vessel policy period
- Licence term plus 30 days
Read the rules for Tourism and leisure →Business insurance rules in Dubai
Dubai's insurance rules attach to staff, permits and named activities.
- Gross written premium in Dubai, 2025
- AED 43.78 billion
- Property and liability premium in Dubai, 2025
- AED 15.72 billion
- Licences issued, H1 2026
- 58,337
Read the rules for Dubai →Business insurance in Abu Dhabi
Employers in Abu Dhabi must provide health insurance under Law 23 of 2005.
Read the rules for Abu Dhabi →ADGM insurance requirements
ADGM's Employment Regulations 2024 require employee health cover.
- Competent authority for health insurance
- Department of Health, Abu Dhabi
- Matches for workers' compensation or workmen in the guidance
- 0
- Compensation on death where the employer was negligent
- At least 24 months' Wages
Read the rules for ADGM →DIFC insurance requirements
DIFC Employment Law requires health cover as other law requires it.
- Fine for failing to provide health cover
- $2,000
- Matches for workmen or workers' compensation in the Employment Law
- 0
- Negligence damages for work injury or death
- Up to 2 years' Annual Wage
Read the rules for DIFC →DMCC insurance requirements
DMCC asks for third party liability and workmen's compensation through its FAQ, guideline and renewal checks.
- Third party liability minimum
- AED 1,000,000
- Mentions of insurance in the Licensing Rules and Company Regulations 2024
- 0
- Member companies claimed by DMCC
- 26,000+
Read the rules for DMCC →DWTC free zone insurance requirements
The DWTC Free Zone Rules require licensees to hold third party liability, banded at AED 500,000 or AED 1,000,000 by employee count, and workmen's compensation.
- Third party liability, up to 19 employees
- AED 500,000
- Third party liability, 20 employees or above
- AED 1,000,000
Read the rules for DWTC →Insurance rules at Jafza
Jafza's own rules set annual third party liability and workmen's compensation for every customer with employees, all-risks cover for premises, and a guarantee or insurance scheme for each sponsored employee.
Read the rules for Jafza →Masdar City Free Zone insurance requirements
Masdar City's Employment Regulations of March 2026 require licensees to take out third party liability and worker's compensation, and a DoH health card for each sponsored employee.
- Regulation version
- Version 2.0, March 2026
- Mentions of insurance in the Business Licensing Regulations 2026
- 0
Read the rules for Masdar City →RAKEZ insurance requirements
RAKEZ Operating Rules of 2023 require worker's compensation for employees, construction cover before Building Works and contents cover after an Operation Fitness Certificate.
- Visa deposit the programme replaces
- AED 2,000
- Workers Protection Insurance premium, 1-year visa
- AED 130 or AED 160
Read the rules for RAKEZ →Shams free zone insurance requirements
Sharjah Media City's Employment Regulations 2017 require every company or branch to hold health cover for employees, plus third party liability and worker's compensation.
- Regulation
- Employment Regulations 2017
Read the rules for Shams →
