Insurance for hotels and holiday homes in the UAE
4 insurance or guarantee rules name this sector, and the rules for every employer apply in each emirate. Abu Dhabi Department of Economic Development open data lists 452 licences for them, 6 October 2026.
Which insurance rules apply to hotels and holiday homes?
These rules name this kind of business or the work it does.
- Dubai. If you run a timeshare establishment in Dubai, each accommodation unit must be insured under a comprehensive policy covering all damage and risks to the unit or the beneficiaries occupying it, unless the unit is in a hotel establishment covered by a comprehensive policy.2
- Dubai. If you run a licensed holiday home in Dubai, you must provide an insurance policy from a licensed insurance company, on conditions set by the Department of Tourism and Commerce Marketing, so that guests are indemnified for any damage they may sustain, valid for the whole licence term.3
- Dubai. If you run a licensed holiday home in Dubai, you must submit a comprehensive insurance policy from an insurance company licensed in the emirate covering any damage guests may sustain, valid for the licence term.4
- Dubai. If you run a licensed holiday home in Dubai and do not keep a valid insurance policy throughout the licence term, the fine is AED 2,000.5
Rules for any employer
- Dubai. 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.6
- Abu Dhabi. Abu Dhabi Law No. 23 of 2005 requires an employer to provide health insurance for its employees and their family members. There is no residence permit, renewal or employment without enrolment.7
- Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah. 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.8
- Every emirate. If your establishment is subject to the federal Labour Law (Federal Decree-Law No. 33 of 2021), you must provide either a bank guarantee of AED 3,000 for each worker or insurance for each worker, under the mechanisms approved by the Ministry of Human Resources and Emiratisation.9
- Every emirate. If you employ staff in the private sector or the federal government, each worker must subscribe to the Unemployment Insurance Scheme by buying a policy that insures them if their service ends in the cases where they are eligible. The duty is on the worker, not on you as the employer, and investors who own and work at the establishment, domestic workers, temporary contract workers, workers under 18 and specified retirees are excluded.10
Each emirate page sets out the rule and the authority. Dubai and Abu Dhabi.
How many hotels and holiday homes are licensed?
| Emirate | Licences | Counted from | As of |
|---|---|---|---|
| Abu Dhabi | 452 | Abu Dhabi Department of Economic Development open data | 6 October 2026 |
A licence counts once, however many activities it holds. Abu Dhabi and Ajman publish licence data by activity as open data.
| ISIC class | Class title | Abu Dhabi licences |
|---|---|---|
| 5510 | Short term accommodation activities | 425 |
| 5520 | Camping grounds, recreational vehicle parks and trailer parks | 27 |
Which types of cover should hotels and holiday homes read about?
The rules in full
Rules for any employer
| Rule | Where it comes from |
|---|---|
| If your establishment is subject to the federal Labour Law (Federal Decree-Law No. 33 of 2021), you must provide either a bank guarantee of AED 3,000 for each worker or insurance for each worker, under the mechanisms approved by the Ministry of Human Resources and Emiratisation. | Cabinet Resolution No. (18) of 2022 Concerning the Classification of Private Sector Establishments, Art 8(1)9 |
| If the Ministry of Human Resources and Emiratisation classifies your establishment as high-risk, you must insure each worker under the mechanisms the Ministry approves, and the bank guarantee option does not apply to you. | Cabinet Resolution No. (18) of 2022, Art 8(2)9 |
| For each employee, your establishment must provide either an insurance policy under the Ministry of Human Resources and Emiratisation guide, or a bank guarantee of at least AED 3,000 from a bank operating in the UAE that is valid for one year, renews automatically and is payable on demand. | Ministerial Resolution No. 318 of 2022 Concerning Bank Guarantees and Employees Protection Insurance Scheme, Art 1 |
| If you employ staff in the private sector or the federal government, each worker must subscribe to the Unemployment Insurance Scheme by buying a policy that insures them if their service ends in the cases where they are eligible. The duty is on the worker, not on you as the employer, and investors who own and work at the establishment, domestic workers, temporary contract workers, workers under 18 and specified retirees are excluded. | Cabinet Resolution No. (97) of 2022 Concerning the Mechanisms and Controls of Implementing the Unemployment Insurance Scheme, Art 210 |
| If you employ staff in Dubai, including in its free zones and special development zones, you must enrol your employees in health insurance, pay its cost, keep it valid for their whole period of service, and produce the policy when their residence permits are issued or renewed. | Law No. (11) of 2013 Concerning Health Insurance in the Emirate of Dubai, Art 10(1), (2), (3), (6)6 |
| If you are an employer or sponsor in Dubai and do not enrol your employees or sponsored persons in health insurance with at least the basic cover by the deadline, the fine is AED 500 for each month of delay, with part of a month counted as a full month, and charging the cost to a beneficiary brings a fine of AED 10,000 per beneficiary plus a refund. Fines double for a repeat within one year, up to AED 500,000. | Executive Council Resolution No. (7) of 2016 Approving Health Insurance Fees and Fines in the Emirate of Dubai, Schedule (2), rows 6 and 8 |
| If you employ expatriate residents in Abu Dhabi, you must provide health insurance for all your employees and their family members, including the employee's wife and three children under 18, unless your category is exempt under the law, and a non-UAE national's residence permit and employment depend on that enrolment. | Law No. (23) of 2005 Concerning Health Insurance in the Emirate of Abu Dhabi, Art 57 |
Sources
10
1Abu Dhabi Department of Economic Development, Economic Activities Dataset with Licensing Information (DL00-Activities.xlsx). Last checked 6 Oct 2026. Source document: Economic Activities Dataset with Licensing Information (DL00-Activities.xlsx)
2Department of Economy and Tourism, via Dubai Legal Portal, Administrative Resolution No. (74) of 2023 Issuing the Implementing Bylaw of Law No. (14) of 2020 Concerning Timeshare Schemes. Art 5(a), 5(b). Last checked 4 Nov 2026. Source document: Administrative Resolution No. (74) of 2023 Issuing the Implementing Bylaw of Law No. (14) of 2020 Concerning Timeshare Schemes
3dlp.dubai.gov.ae, Decree No. (41) of 2013 Regulating the Activity of Leasing out Holiday Homes in the Emirate of Dubai. Art 8(3). Last checked 12 Nov 2026. Source document: Decree No. (41) of 2013 Regulating the Activity of Leasing out Holiday Homes in the Emirate of Dubai
4dlp.dubai.gov.ae, Administrative Resolution No. (1) of 2020 Issuing the Implementing Bylaw of Decree No. (41) of 2013. Art 14(2). Last checked 12 Nov 2026. Source document: Administrative Resolution No. (1) of 2020 Issuing the Implementing Bylaw of Decree No. (41) of 2013
5dlp.dubai.gov.ae, Executive Council Resolution No. (49) of 2014 Approving the Fees and Fines Related to the Activity of Leasing out Holiday Homes. Art 6, fines table item 9. Last checked 12 Nov 2026. Source document: Executive Council Resolution No. (49) of 2014 Approving the Fees and Fines Related to the Activity of Leasing out Holiday Homes
6isahd.ae, Dubai Law No. 11 of 2013, Articles 4 and 10, and Executive Council Resolution No. 7 of 2016, Schedule 2. Last checked 4 Nov 2026. Source document: Dubai Law No. 11 of 2013, Articles 4 and 10, and Executive Council Resolution No. 7 of 2016, Schedule 2
7doh.gov.ae, Abu Dhabi Law No. 23 of 2005, Articles 5 and 24, as compiled by the Department of Health to 2010. Last checked 4 Nov 2026. Source document: Abu Dhabi Law No. 23 of 2005, Articles 5 and 24, as compiled by the Department of Health to 2010
8u.ae, UAE Government portal page on getting health insurance, updated 8 September 2026. Ministerial Resolution 504 of 2026 is listed on the Ministry site.. Last checked 4 Nov 2026. Source document: UAE Government portal page on getting health insurance, updated 8 September 2026. Ministerial Resolution 504 of 2026 is listed on the Ministry site.
9UAE Federal Government (uaelegislation.gov.ae), Cabinet Resolution No. (18) of 2022 Concerning the Classification of Private Sector Establishments. Art 8(1). Last checked 4 Nov 2026. Source document: Cabinet Resolution No. (18) of 2022 Concerning the Classification of Private Sector Establishments
10UAE Federal Government, Cabinet Resolution No. (97) of 2022 Concerning the Mechanisms and Controls of Implementing the Unemployment Insurance Scheme. Art 2. Last checked 4 Nov 2026. Source document: Cabinet Resolution No. (97) of 2022 Concerning the Mechanisms and Controls of Implementing the Unemployment Insurance Scheme
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