Insurance rules in Dubai South Free Zone

Who runs Dubai South?

What insurance and guarantees do companies in Dubai South need?

From the Dubai South Free Zone Rules, Second Edition, May 2025.

Property all risks

• In Dubai South Free Zone, if you hold a lease you must hold and maintain a valid all risks insurance policy for it, including fire and perils, subject to the terms of your lease, while fitted offices are insured by the Development Control Department.¹
• If you construct your own facility in Dubai South Free Zone, you are responsible for arranging third party liability insurance, covering clearance and replacement costs, in the joint names of your company and the Corporation, Dubai World Central Corporation or both.¹

Contents

• In Dubai South Free Zone, you must maintain and pay for insurance of the contents of your premises.¹

Contractors' all risks

• In Dubai South Free Zone, sub-contractors and any other legal or beneficial owners of plots of land under development must hold valid contractor's all risks insurance policies and third party insurance policies.¹

Third party liability

• If you have a physical office, warehouse, plot, development land or any lease in Dubai South Free Zone from which you operate, you must hold and maintain valid third party liability or public liability insurance for your business operations at an adequate level and as your lease requires, renew it each year and give evidence to Free Zone Management.¹

Workmen's compensation

• If you have employees in Dubai South Free Zone, you must hold and maintain valid workmen's compensation insurance for them covering death, permanent injury, disability and medical expenses, at the limits Free Zone Management advises from time to time.¹

Employee protection scheme

• In Dubai South Free Zone, you must enrol your employees in the employee protection insurance scheme, which covers unpaid wages, end-of-service benefits and repatriation at a prescribed premium that varies, and which does not apply to shareholders, management, freelancers or students.¹

Do you need health insurance for your staff in Dubai South?

• In Dubai South Free Zone, you must procure and maintain medical insurance for your employees to the extent the UAE Labour Laws require it.¹

The rule for employers across Dubai is on the Dubai page.