Insurance rules in International Humanitarian City

Who runs International Humanitarian City?

What insurance and guarantees do companies in International Humanitarian City need?

Third party liability

• If you are a humanitarian organisation or commercial entity in International Humanitarian City, you must obtain third party liability or public liability insurance against third party claims for death, personal injury or damage to property for which the landlord is liable under applicable law. You must give evidence of it within 60 working days of your first licence issue date or first lease or sponsorship agreement, and again at each renewal.¹

Property all risks

• If you occupy property in International Humanitarian City, you must obtain all risks insurance covering the property's internal fixtures and fittings and all your other assets at the property at replacement value, while all risks insurance of the property's contents is at your discretion.¹

Workmen's compensation

• If you have employees under an International Humanitarian City sponsorship agreement, you must hold workmen's compensation insurance against claims arising under that agreement of AED 500,000 per employee, per single occurrence with no limit on the number of occurrences, covering every employee for injury and disability compensation and related medical expenses in line with the Labour Law and the sponsorship agreement.¹

Bank guarantee

• The International Humanitarian City regulations say that if you are a commercial entity sponsoring employees, a bank guarantee or company cheque is to be provided to the authority in line with the sponsorship agreement.¹

Other

• Dubai Humanitarian's membership FAQs say that to renew your licence you renew your property all risks, public liability or third party liability and, if applicable, workmen's compensation insurance policies and submit copies with your other renewal documents.²

Do you need health insurance for your staff in International Humanitarian City?

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.