Insurance rules in Ajman Free Zone
Ajman Free Zone is a free zone in Ajman, run by Free Zones Authority of Ajman. Its published texts set out insurance and guarantee rules for companies licensed there.
Who runs Ajman Free Zone?
| Fact | Detail | As of |
|---|---|---|
| Emirate | Ajman | |
| Authority | Free Zones Authority of Ajman5 | |
| Legal basis | Ajman Emiri Decree No. 2 of 20144 | |
| Established | 1988 | |
| Companies | 7,249 active onshore licences and 1,381 active offshore companies | 27 April 2021 |
| Area | Gate 1: 342,746 sq m. Gate 2: 252,529 sq m. | |
| Main sectors | Commercial, service, industrial, general trading, e-commerce, pioneer and freelancer licences | |
| Website | afz.gov.ae | |
What insurance and guarantees do companies in Ajman Free Zone need?
Employee protection scheme
- From 1 September 2019, Ajman Free Zone, with Dubai Insurance Company, replaced bank guarantees with a low-cost labour insurance policy that guarantees workers' rights and entitlements, covering unpaid end of service benefits, wages, airfare, work injury compensation and repatriation of remains. The scheme costs AED 265 per worker, is valid for three years and has a sum assured of up to AED 20,000 per worker.1
Bank guarantee
- Ajman Free Zone keeps the bank guarantee system for non-compliant companies with labour complaints and financial claims that have not been closed, and if you do not repay the insurer, the free zone requires a bank guarantee when you renew existing work permits.1
Visa deposit
- If you are a female investor sponsoring your family, Ajman Free Zone's FAQs say you put down an AED 20,000 guarantee with the free zone if you have a smart office or business centre, and an AED 3,000 guarantee per person with the Federal Authority for Identity and Citizenship. With a normal office or other location, no free zone guarantee is needed.3
Do you need health insurance for your staff in Ajman Free Zone?
- Ajman Free Zone's new residency visa service requires proof that the applicant holds valid health insurance.2
- Ajman Free Zone's FAQs say insurance for a family visa is compulsory in Ajman.3
The rule for employers across Ajman is on the Ajman page.
Sources
5
1Ajman Free Zone (Free Zones Authority of Ajman), AFZ Insurance, Labor benefits. Items 1, 2, 4, 5. Last checked 12 Nov 2026. Source document: AFZ Insurance, Labor benefits
2Ajman Free Zone (Free Zones Authority of Ajman), AFZ service card: Residency Visa Services - New. Required documents item 12. Last checked 12 Nov 2026. Source document: AFZ service card: Residency Visa Services - New
3Ajman Free Zone (Free Zones Authority of Ajman), AFZ FAQs. FAQ on wife's visa renewal. Last checked 12 Nov 2026. Source document: AFZ FAQs
4moet.gov.ae, Ajman Free Zone, legal text. Last checked 12 Nov 2026. Source document: Ajman Free Zone, legal text
5fza.ae, Ajman Free Zone website. Last checked 12 Nov 2026. Source document: Ajman Free Zone website
- Owner
- Quotes.ae research team
- Last review
- Next review due
- 10 Feb 2027
- Status
- Published