Insurance rules in Dubai Airport Free Zone

Who runs DAFZ?

What insurance and guarantees do companies in DAFZ need?

Property all risks

• Under the Dubai Airport Free Zone 2025 lease terms, as a tenant you must obtain and maintain, at your own cost and for the whole lease period, all risks insurance satisfactory to the landlord covering the premises and all your assets in them at replacement value.¹

Third party liability

• Under the Dubai Airport Free Zone 2025 lease terms, as a tenant you must hold third party liability insurance in the joint names of the landlord and your company.¹

Contractors' all risks

• Under the Dubai Airport Free Zone 2025 lease terms, if you or your contractors carry out works on the premises, you must hold contractor's all risks insurance and workmen's compensation insurance in the joint names of the landlord and your company, in line with statutory and regulatory requirements.¹
• Under the Dubai Airport Free Zone 2025 lease terms for packages, the landlord insures the building, and if you carry out works you must hold contractor's all risks insurance and your own workmen's compensation insurance in the joint names of the Dubai Airport Free Zone Authority and your company, in line with statutory and regulatory requirements.¹

Lease deposit

• Under the Dubai Airport Free Zone 2025 lease terms, the security deposit is 10% of the annual rent, paid in UAE dirhams.¹

Employee protection scheme

• The Dubai Airport Free Zone package page lists employee protection insurance as a cost outside the package price, alongside the visa cost of AED 4,200 per sponsored person or AED 1,000 for a non-sponsored work permit, and does not say whether the insurance is mandatory.²

Do you need health insurance for your staff in DAFZ?

Dubai Law No. 11 of 2013 requires employers to enrol employees in health insurance, bear the cost and keep it valid for the whole service period. It applies across the emirate, including special development zones and free zones such as DIFC.

The authority and the penalties are on the Dubai page.