Insurance rules in Hamriyah Free Zone

Who runs Hamriyah?

What insurance and guarantees do companies in Hamriyah need?

Contents

• Under a Hamriyah Free Zone office lease, you are responsible for insuring all personal belongings and effects you bring into the premises against loss, theft or damage, and the landlord takes no responsibility for their loss, theft or damage, however caused, including through the neglect, fault or misconduct of its staff or agents.¹

Property all risks

• Under a Hamriyah Free Zone warehouse lease, the landlord insures the premises at full reinstatement cost and you pay the insurance charge, which is the sums the landlord pays from time to time to insure the premises and the other items in the lease's insurance clause.²
• Under a Hamriyah Free Zone warehouse lease, you must insure any plate glass in the premises against breakage, in the joint names of you and the landlord, for at least its full replacement value at the time, with an insurer or underwriters and through an agency the landlord approves from time to time.²

Lease deposit

• Under a Hamriyah Free Zone office lease, you must pay a deposit to the landlord as security for meeting your lease obligations, if the landlord requires it. The standard terms leave the amount blank.¹

Other

• Hamriyah Free Zone's Engineering, Environment, Health and Safety investor information kit lists a refundable contractor deposit of AED 5,000 for each building permit and a refundable deposit of AED 5,000 for each set of warehouse modification works, and AED 2,500 for each pipe road cross cutting.³

Do you need health insurance for your staff in Hamriyah?

From 1 January 2025 an employer buys a health insurance policy as a condition of the residence permit for private sector employees and domestic workers. The UAE Government portal names the Ministry of Human Resources and Emiratisation as the source and describes the rule as extending to Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah.

The authority and the penalties are on the Sharjah page.