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Professional indemnity insurance in the UAE

No single UAE rule sets professional indemnity cover. The regulator or ministry that licenses your profession sets the duty and the minimum. Insurance agents must hold AED 2,000,000, brokers AED 2,000,000 or AED 3,000,000, and loss adjusters and actuaries AED 1,000,000.

Updated 6 min read

Who must hold professional indemnity insurance, and for how much?

You hold it if your own regulator or licensing ministry requires it. These groups have an amount in the text.

Minimum professional indemnity amounts stated in UAE rules, as of 12 November 2026
WhoMinimumInstrument and articleText
Insurance agentsAED 2,000,000 sum insured. Deductible no more than AED 100,000Insurance Authority Board Resolution 8 of 2011, Art 11(1)(1)Open source
Insurance brokersAED 2,000,000 if UAE-incorporated. AED 3,000,000 for a foreign branch or financial free zone brokerInsurance Brokers Regulation, Art 2-11Open source
Insurance consultantsAED 1.5 million for a natural person or sole proprietorship. AED 3 million for a corporate person. Deductible no more than AED 30,000Insurance Authority Decision 12 of 2018, Art 8 to 10Open source
Surveyors and loss adjustersAED 1,000,000 sum insuredInsurance Authority Board Resolution 6 of 2010, Art 9(1)(2)Open source
ActuariesAt least AED 1,000,000 sum insured. Deductible no more than AED 30,000 for each accidentInsurance Authority Board Decision 9 of 2017, Art 11(5)Open source
Registered auditorsFirst time, AED 1,000,000 a year, or AED 500,000 for sole establishments. Then 100% of annual audit fees up to AED 20,000,000, and 120% aboveCabinet Resolution 48 of 2022, Art 16. Ministerial Resolution 111 of 2022, Art 2Open source
DFSA firms in Category 3B (only if operating or administering an Employee Money Purchase Scheme) and Category 4 (other than a Money Services Provider)US$1 million a year. US$800,000 for insurance intermediation or insurance management onlyDFSA PIB 6.1.1(c), 6.12Open source
FSRA Third Party ProvidersUS$150,000FSRA PRU 6.12A.1Open source
ADGM licensed company service providersUS$1,000,000 any single claim. US$1,500,000 aggregate in any one year. Legal costs not less than 20%Registration Authority Conditions of Licence, Condition 3Open source
ADGM licensed tax service providersUS$1,000,000 any single claimRegistration Authority Conditions of Licence, Condition 1Open source

All of these are insurance policies, not bank guarantees. Insurance brokers name the Central Bank as the beneficiary. Deductible caps apply to brokers, agents, consultants and actuaries.

Which groups must hold it when the text states no amount?

The groups below must hold cover, and the text you apply under does not give a minimum.

Professional indemnity duties with no minimum stated, as of 12 November 2026
WhoInstrument and articleWhat the text saysText
LawyersDecree-Law 34 of 2022, Art 13(9)Not needed where the law firm's policy covers the lawyerOpen source
Lawyers on the roll, legal researchers and consultants, law firms and legal consultation firmsCabinet Resolution 8 of 2025, Art 12(9), 37(6), 53(4)Firms must cover the whole licence term. The annual amount is left to a Minister's resolutionOpen source
Experts and expert firms registered with the Ministry of JusticeDecree-Law 21 of 2022, Art 6(9), Art 7(1)(e), Art 7(2)(g)Detail is in Decision 211 of 2024. A law firm reports amounts, shown in the small printOpen source
Private notariesDecree-Law 20 of 2022, Art 30(f)Detail is in Decision 208 of 2024Open source
Translators and translation housesDecree-Law 22 of 2022, Art 5(i), Art 6(d)Not needed where the house covers the translator. Detail is in Decision 215 of 2024Open source
Persons registering as tax agentsCabinet Resolution 74 of 2023, Art 12(1)(f), 12(2)(b)Hold cover or be covered under such a contract. Commensurate with the nature and business volume of the tax agentOpen source
Payment initiation and payment account information providersRetail Payment Services and Card Schemes Regulation, Art 10(14) to (16)The Central Bank decides the amount. Ask the Central BankOpen source
VARA licensed virtual asset service providersVARA Company Rulebook, Rule VI.DAdequate to the size and complexity of the business. Insurer must be regulated. Cover may sit with a group entity if the policy names the provider and its coverOpen source
FSRA Domestic Firms in Category 3B, 3C or 4FSRA PRU 6.12.1, 6.12.2Minimum standards, with no amount. Institutional Fund Managers and Institutional Fund Asset Managers are excluded from the PRU application tableOpen source
Auditors applying for DIFC registrationDIFC Operating Regulations, Reg 6.1.2(b)Adequate cover for work undertaken in the DIFC. No amountOpen source
Companies applying for an Abu Dhabi real estate broker, appraiser, surveyor or owners' association manager licenceAdministrative Decision 251 of 2015, Art 4 and Art 5Professional risks insurance accepted by the Department. No amountOpen source
ADGM real property professionals: association managers, brokers, surveyors, engineering auditors, valuers, property managers, property inspectorsOff-Plan and Real Property Professionals Regulations 2024, s 4(1)(d)Commensurate with the services, or at any minimum the Registrar setsOpen source
Private mediation centres and branches of foreign mediation centresCabinet Resolution 56 of 2025, Art 7(5)Valid policy for the licence term from an insurer licensed in the State. No amount in this textOpen source
Allied health professionals, such as nurses and techniciansCabinet Resolution 176 of 2025, Art 8(2)(a)Policy against professional errors, unless the employing health facility's policy covers themOpen source
Audit firms registering to audit public shareholding companies and mutual fundsCapital Market Authority Board Resolution 25/R of 2015, Art 3, First (5)Proof of the professional indemnity certificate required for the Ministry's list of practising auditors. The limits are those in the auditor row aboveOpen source

Check the licence conditions for your profession before you apply.

What else do DFSA and FSRA firms need besides the amount?

DFSA firms in scope send the DFSA a copy of the cover at least once a year and notify material changes. The insurer needs a Credit Quality Grade of 3 or above, or an equivalent rating. The contract must cover the conduct of the firm, its Directors, Employees and agents, appropriate legal defence costs, and continuous cover for the shorter of the period since the firm became subject to the section or the last four years. A group-wide policy can satisfy the section if it meets those conditions.1 A compliance firm reports amendments effective 1 July 2026.2

FSRA firms give the Regulator an annual statement approved by the Governing Body confirming cover for the next 12 months. The standards require an insurer mapped to Credit Quality Grade 3 or better, cover from the date of authorisation, and legal defence costs.3 Third Party Providers also face a transaction-linked coverage test under PRU 6.12A.2.

Ask the DFSA or FSRA to confirm the current wording before you buy.

Do real estate agents, valuers and engineers need it?

In Abu Dhabi, a company applying for a real estate broker, appraiser or surveyor licence must hold professional risks insurance. In the ADGM, real property professionals must hold it. For Dubai, the Dubai Land Department’s English legislation compilation does not mention professional indemnity insurance for real estate brokers.

One broker’s table lists a minimum of AED 1 million for real estate brokers under RERA. One broker page says engineering consultants typically need an AED 5 million minimum, naming the Society of Engineers. No law or regulation text matching either claim has been found. Dubai Law 14 of 2025 on engineering consultancy has no insurance term in its Arabic text. One business setup guide of 18 September 2026 says there is no general professional indemnity requirement for Dubai professional licences, and could not confirm the engineering example.

Ask RERA, the Dubai Land Department or your engineering licence authority before you assume a minimum.

Is an engineer liable for collapse, and can a contract limit it?

An engineer who only prepares the design is liable for design defects, and not for defects in the method of execution. An engineer who only supervises is jointly liable with the contractor for execution defects under that supervision (Art 822). Where the engineer designs and supervises, Art 821 makes engineer and contractor jointly liable for total or partial collapse within 10 years. A clause exempting or limiting the liability of the engineer or contractor is void (Art 823). A warranty claim is not admissible 3 years after the collapse or discovery of the defect (Art 824).4

One law firm says professional indemnity in construction runs on a claims-made basis, so cover responds when the claim is made, and that fitness for purpose warranties are commonly excluded.5 It suggests cover for design should last about 10 years.

Ask your insurer how long cover continues after the policy ends.

When can you claim on a liability policy?

Three Civil Transactions Law articles apply to claims on a liability policy.

  • Art 965: the insurer’s obligation under civil liability insurance arises only when the injured party asserts a claim against the beneficiary.
  • Art 959: a policy may exempt the insurer if the beneficiary admits liability or pays the injured party without the insurer’s consent. That does not apply if the admission is limited to a material fact, or the payment served the insurer.
  • Art 966: claims under an insurance contract are not admissible after 3 years. Where the claim stems from third-party recourse, the period runs from when the third party sues or recovers.

Check the admission and payment terms in your policy before you speak to a client or claimant.

Does a contract ask for professional indemnity?

A contract can require it. One purchase-terms document, Air Products UAE, names professional indemnity among seller covers during the contract and for 12 months after (clause 10.1).6 Construction commentary lists it among contractor covers.7 It is not known how common such clauses are.

Check the insurance clause in your contract before you sign.

Does a standard policy satisfy a healthcare licence?

One law firm says a standard professional indemnity policy excludes bodily injury and does not meet a healthcare licence, which calls for medical malpractice cover.8 See medical malpractice.

The small print

Amounts reported by a law firm. For experts, a law firm reports AED 1 million for individuals and AED 5 million for local expertise houses under Decision 211 of 2024.9 That is the firm’s summary of the decision.

Auditor limits. The limits rest on the Ministerial Resolution text, which comes from a Ministry knowledge page rather than the gazetted text.10 Art 16 of the Cabinet Resolution sets the policy conditions: issued by an insurer licensed in the State and valid throughout registration.11 A juristic auditor’s renewal is refused if the limits are short (Art 2(9)).

Delegated detail. The lawyer,12 notary13 and translator14 laws each leave the detail to controls set by the Minister. The ADGM tax service condition applies from publication to new applications and 6 months later to existing consultancies.15 Art 10(3) of the consultants decision excludes consultants employed by a registered corporate consultant.

Status of the DFSA text. The DFSA module states that it is a consolidated tool with no legal effect.1 One law firm places the DFSA duty in the Conduct of Business module,8 while the rule above is PIB 6.12. Ask the DFSA whether that module also applies.

FSRA wording. The rulebook web page for 6.12.1 adds the words “which undertake one or more of the Regulated Activities prescribed in Rule 6.1.1(c)”. The current PDF has no such words. Ask the FSRA which applies.16 The web page for PRU 6.12A is unavailable, and the US$150,000 figure comes from the rulebook PDF.3

Central Bank rules for agents, loss adjusters and actuaries. The Central Bank rulebook lists these Insurance Authority texts as in force.17 Ask the Central Bank whether Decree-Law 6 of 2025 changed them.

Abu Dhabi real estate. Abu Dhabi Law 2 of 2025 replaced the term Owners’ Association with Owners’ Committee, so the association manager licence may have changed. The conditions for natural-person brokers do not list insurance.18

ADGM real property professionals. Amendment No. 1 of 2025 exists to the 2024 Regulations. The Registrar may waive the criteria (s 4(2)).19

Dubai Law 14 of 2025. Issued on 18 September 2025. It takes effect 6 months after publication under Art 26. Art 25(a) repeals Local Order 89 of 1994. Art 25(b) keeps decisions, circulars and guides issued under it, to the extent consistent, until replaced.20

Civil Code numbering. Commentary dated 18 June 2024 cites Art 880, which was repealed from 1 June 2026. Art 821 is the current equivalent.7 The law firm article on construction cover, which suggests about 10 years, is undated and cites the same repealed numbering.5

Tax agents. The Federal Tax Authority page on becoming a tax agent lists the same step.21

Placement. Art 82 of Decree-Law 6 of 2025 is a placement rule, not a duty to buy.22

Market figures. The Central Bank report does not show professional indemnity separately.23

Before you speak to a broker

Professional indemnity insurance in the UAE

When the question comes up

What a broker may ask you

Nothing you tick here is saved or sent.

The rules in full

Definition Insurance against liability for professional errors. UAE texts also call it professional liability insurance.

Key facts

Insurance agent minimum17Sum insured on registration. Deductible no more than AED 100,000.
AED 2,000,000
Insurance broker minimum26UAE-incorporated. AED 3,000,000 for a foreign branch or financial free zone broker.
AED 2,000,000
Surveyor and loss adjuster minimum33Sum insured on registration. Actuaries are at least AED 1,000,000 with a deductible of no more than AED 30,000 for each accident (Decision 9 of 2017, Art 11(5)).
AED 1,000,000
Auditor first-time limit10Per year, local companies and foreign branches. AED 500,000 for sole establishments.
AED 1,000,000

What the evidence supports

20Verified legal requirementA source sets it for this jurisdiction.
  • Lawyers, law firms and legal consultancies: professional liability policy24Decree-Law 34 of 2022 and Cabinet Resolution 8 of 2025. The amount is left to a Minister's resolution.Last checked 4 Nov 2026
  • Experts, private notaries and translators: professional liability policy25Decree-Laws 21, 20 and 22 of 2022. Detail sits in ministerial decisions.Last checked 4 Nov 2026
  • Auditors: professional liability policy sized to fees11Cabinet Resolution 48 of 2022, Art 16, with limits in Ministerial Resolution 111 of 2022.Last checked 4 Nov 2026
  • Insurance brokers: minimum AED 2,000,000 or AED 3,000,00026Insurance Brokers Regulation, Art 2-11.Last checked 4 Nov 2026
  • Insurance consultants: AED 1.5 million or AED 3 million27Insurance Authority Decision 12 of 2018, Art 8 to Art 10.Last checked 4 Nov 2026
  • Insurance agents: sum insured AED 2,000,000, deductible no more than AED 100,00017Insurance Authority Board Resolution 8 of 2011, Art 11(1)(1). Policy from a UAE-licensed insurer, submitted on registration.Last checked 12 Nov 2026
  • Surveyors and loss adjusters: sum insured AED 1,000,00033Insurance Authority Board Resolution 6 of 2010, Art 9(1)(2). Submitted on registration.Last checked 12 Nov 2026
  • Actuaries: sum insured at least AED 1,000,000, deductible no more than AED 30,000 for each accident34Insurance Authority Board Decision 9 of 2017, Art 11(5). Valid for the licence term.Last checked 12 Nov 2026
  • Payment initiation and account information providers: amount set by the Central Bank28Retail Payment Services and Card Schemes Regulation, Art 10(14) to (16).Last checked 4 Nov 2026
  • Tax agents: professional liability insurance, or being covered under such a contract29Cabinet Resolution 74 of 2023, Art 12(1)(f), Art 12(2)(b). Commensurate with the nature and business volume of the tax agent. No minimum amount. The FTA page lists the same step.Last checked 4 Nov 2026
  • Virtual asset service providers in Dubai: professional indemnity insurance30VARA Company Rulebook, Rule VI.D.1.Last checked 4 Nov 2026
  • DFSA firms in scope: minimum US$800,000 or US$1 million a year1PIB 6.12, consolidated module.Last checked 4 Nov 2026
  • FSRA firms: Domestic Firms in Category 3B, 3C or 4, and Third Party Providers3PRU 6.12 and 6.12A. Third Party Providers keep at least US$150,000 (6.12A.1).Last checked 4 Nov 2026
  • ADGM company service and tax service providers: US$1,000,000 per claim31Conditions of Licence. Company service providers add US$1,500,000 aggregate.Last checked 4 Nov 2026
  • DIFC auditors: adequate cover for work in the DIFC32Operating Regulations, Reg 6.1.2(b).Last checked 4 Nov 2026
  • Abu Dhabi real estate broker, appraiser and surveyor companies: professional risks insurance accepted by the Department18Administrative Decision 251 of 2015, Art 4 and Art 5, juridical person conditions, item (e). No amount stated.Last checked 12 Nov 2026
  • ADGM real property professionals: professional indemnity insurance covering civil liability from the licensed service19Off-Plan and Real Property Professionals Regulations 2024, s 4(1)(d). Commensurate with the services, or at any minimum the Registrar sets.Last checked 12 Nov 2026
  • Private mediation centres: professional liability policy for the licence term35Cabinet Resolution 56 of 2025, Art 7(5). No amount in this text.Last checked 12 Nov 2026
  • Allied health professionals: professional indemnity policy, unless the employing health facility's policy covers them36Cabinet Resolution 176 of 2025, Art 8(2)(a). Applies to professionals such as nurses and technicians. No amount stated.Last checked 12 Nov 2026
  • Audit firms of public shareholding companies and mutual funds: proof of the professional indemnity certificate37Capital Market Authority Board Resolution 25/R of 2015, Art 3, First (5). The certificate is the one required for the Ministry's list of practising auditors.Last checked 12 Nov 2026
2Common contractual requirementDepends on your own contracts.
  • Air Products UAE purchase terms name professional indemnity among seller covers, as appropriate6Clause 10.1, during the contract and for 12 months after. One buyer's terms. It is not known how common such clauses are.Last checked 4 Nov 2026
  • Professional indemnity among contractor covers in construction commentary7Commentary, not a contract. It is not known how common such clauses are.Last checked 4 Nov 2026
1Potentially relevant coverA topic to look into. Not a requirement.
  • Placement with licensed insurers22Art 82 of Decree-Law 6 of 2025 is a placement rule, not a duty to buy.Last checked 4 Nov 2026
3Not established / verify with professionalNo source settles it.
  • Real estate brokers in Dubai under RERA at AED 1 millionNot established. One broker's table gives the figure. The Dubai Land Department's English legislation compilation does not mention it. Ask RERA or the Dubai Land Department.Last checked 4 Nov 2026
  • Engineers and engineering consultants20Not established. Dubai Law 14 of 2025 has no insurance term in its Arabic text.Last checked 4 Nov 2026
  • Private mediation centres: AED 1,000,000 a year, AED 2,000,000 for a foreign branch38Not established. A law firm reports these amounts under Ministerial Decision 701 of 2025. The decision text is not available. Ask the Ministry of Justice.Last checked 12 Nov 2026

Sources

38

1Dubai Financial Services Authority, DFSA Rulebook, Prudential Investment, Insurance Intermediation and Banking Module, File VER541026. PIB 6.1.1(c), 6.12. Last checked 4 Nov 2026. Source document: DFSA Rulebook, Prudential Investment, Insurance Intermediation and Banking Module

2Waystone Compliance, DFSA PIB Amendments: Key Changes and Impact from 1 July 2026. Last checked 4 Nov 2026. Source document: DFSA PIB Amendments: Key Changes and Impact from 1 July 2026

3ADGM FSRA, Prudential, Investment, Insurance Intermediation and Banking Rulebook, VER21.160926. PRU 6.12, 6.12A. Last checked 4 Nov 2026. Source document: Prudential, Investment, Insurance Intermediation and Banking Rulebook

4UAE Federal Government, Federal Decree-Law No. 25 of 2025, Civil Transactions Law. Art 821 to Art 824, Art 959, Art 965, Art 966. Effective 1 Jun 2026. Last checked 4 Nov 2026. Source document: Federal Decree-Law No. 25 of 2025, Civil Transactions Law

5Kayrouz and Associates, Insurance in construction contracts in the UAE. Last checked 4 Nov 2026. Source document: Insurance in construction contracts in the UAE

6Air Products, General Terms and Conditions of Purchase (UAE). Clause 10.1. Last checked 4 Nov 2026. Source document: General Terms and Conditions of Purchase (UAE)

7Fenwick Elliott, via Lexology, Commentary on insurance in UAE construction contracts. Last checked 4 Nov 2026. Source document: Commentary on insurance in UAE construction contracts

8Kayrouz and Associates, Professional indemnity insurance for UAE regulated firms. Last checked 4 Nov 2026. Source document: Professional indemnity insurance for UAE regulated firms

9Norton Rose Fulbright, New UAE laws mandating professional indemnity insurance cover for notaries, experts and translators. Last checked 4 Nov 2026. Source document: New UAE laws mandating professional indemnity insurance cover for notaries, experts and translators

10Ministry of Economy and Tourism, Ministerial Resolution No. 111 of 2022 on Conditions of Insurance Against Professional Errors. Art 2. Last checked 4 Nov 2026. Source document: Ministerial Resolution No. 111 of 2022 on Conditions of Insurance Against Professional Errors

11UAE Federal Government, Cabinet Resolution No. 48 of 2022, Implementing Regulation of Federal Law No. 12 of 2014 on the Auditing Profession. Art 16. Last checked 4 Nov 2026. Source document: Cabinet Resolution No. 48 of 2022, Implementing Regulation of Federal Law No. 12 of 2014 on the Auditing Profession

12UAE Federal Government, Federal Decree-Law No. 34 of 2022 Regulating the Legal Profession and Legal Consultation Profession. Art 13(9). Effective 2 Jan 2023. Last checked 4 Nov 2026. Source document: Federal Decree-Law No. 34 of 2022 Regulating the Legal Profession and Legal Consultation Profession

13UAE Federal Government, Federal Decree by Law No. 20 of 2022 Regarding the Regulation of the Notary Profession. Art 30, item f. Effective 28 Dec 2022. Last checked 4 Nov 2026. Source document: Federal Decree by Law No. 20 of 2022 Regarding the Regulation of the Notary Profession

14UAE Federal Government, Federal Decree-Law No. 22 of 2022 Regulating the Translation Profession. Art 5 item i, Art 6 item d. Last checked 4 Nov 2026. Source document: Federal Decree-Law No. 22 of 2022 Regulating the Translation Profession

15ADGM Registration Authority, Conditions of Licence, tax service providers, Condition 1. Last checked 4 Nov 2026. Source document: Conditions of Licence, tax service providers, Condition 1

16ADGM FSRA, PRU 6.12.1. Last checked 4 Nov 2026. Source document: PRU 6.12.1

17CBUAE Rulebook, Insurance Authority Board Resolution No. 08 of 2011 Instructions Concerning the Regulation of Insurance Agents Business. Art 11(1)(1). Last checked 12 Nov 2026. Source document: Insurance Authority Board Resolution No. 08 of 2011 Instructions Concerning the Regulation of Insurance Agents Business

18Abu Dhabi Real Estate Centre, Administrative Decision No. 251/2015 Issuing the Implementing Regulation of Licensing Pursuant to Abu Dhabi Law No 3/2015. Art 4 and Art 5, juridical person conditions, item (e). Last checked 12 Nov 2026. Source document: Administrative Decision No. 251/2015 Issuing the Implementing Regulation of Licensing Pursuant to Abu Dhabi Law No 3/2015

19ADGM, Off-Plan and Real Property Professionals Regulations 2024, Published 1 October 2024. s 4(1)(d). Last checked 12 Nov 2026. Source document: Off-Plan and Real Property Professionals Regulations 2024

20Supreme Legislation Committee, Dubai, Law No. 14 of 2025 on engineering consultancy (Arabic text). Art 25, Art 26. Last checked 4 Nov 2026. Source document: Law No. 14 of 2025 on engineering consultancy (Arabic text)

21Federal Tax Authority, How to become a Tax Agent, Page updated 9 September 2025. Last checked 4 Nov 2026. Source document: How to become a Tax Agent

22CBUAE Rulebook, Federal Decree-Law No. 6 of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities and Insurance Business. Art 82. Effective 16 Sept 2025. Last checked 4 Nov 2026. Source document: Federal Decree-Law No. 6 of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities and Insurance Business

23Central Bank of the UAE, Annual Statistical Report for the Insurance Sector of the UAE 2025. Last checked 4 Nov 2026. Source document: Annual Statistical Report for the Insurance Sector of the UAE 2025

24UAE Federal Government, Cabinet Resolution No. 8 of 2025, Executive Regulations of Federal Decree-Law No. 34 of 2022. Art 12(9), Art 37(6), Art 53(4). Effective 15 Mar 2025. Last checked 4 Nov 2026. Source document: Cabinet Resolution No. 8 of 2025, Executive Regulations of Federal Decree-Law No. 34 of 2022

25UAE Federal Government, Federal Decree by Law No. 21 of 2022 Regulating the Profession of Experts before Judicial Authorities. Art 6(9), Art 7. Effective 2 Jan 2023. Last checked 4 Nov 2026. Source document: Federal Decree by Law No. 21 of 2022 Regulating the Profession of Experts before Judicial Authorities

26Central Bank of the UAE, Insurance Brokers Regulation, C 1/2024. Art 2-11. Effective 15 Feb 2025. Last checked 4 Nov 2026. Source document: Insurance Brokers Regulation, C 1/2024

27CBUAE Rulebook, Insurance Authority Board Decision No. 12 of 2018 on Insurance Consultants, Issued 20 May 2018. In force the day after gazette publication.. Art 8, Art 9, Art 10. Last checked 4 Nov 2026. Source document: Insurance Authority Board Decision No. 12 of 2018 on Insurance Consultants

28Central Bank of the UAE, Retail Payment Services and Card Schemes Regulation. Art 10(14) to (16). Last checked 4 Nov 2026. Source document: Retail Payment Services and Card Schemes Regulation

29UAE Federal Government, Cabinet Resolution No. (74) of 2023 on the Executive Regulations of Federal Decree by Law No. (28) of 2022 on Tax Procedures. Art 12. Last checked 4 Nov 2026. Source document: Cabinet Resolution No. (74) of 2023 on the Executive Regulations of Federal Decree by Law No. (28) of 2022 on Tax Procedures

30Virtual Assets Regulatory Authority, VARA Company Rulebook. Rule VI.D. Last checked 4 Nov 2026. Source document: VARA Company Rulebook

31ADGM Registration Authority, Conditions of Licence, company service providers, Condition 3. Last checked 4 Nov 2026. Source document: Conditions of Licence, company service providers, Condition 3

32DIFC Authority, DIFC Operating Regulations, Consolidated Version No. 4. Reg 6.1.2(b). Last checked 4 Nov 2026. Source document: DIFC Operating Regulations, Consolidated Version No. 4

33CBUAE Rulebook, Insurance Authority Board of Directors Resolution No. 6 of 2010 Concerning Surveyors and Loss Adjusters' Regulations. Art 9(1)(2). Effective 31 Jan 2011. Last checked 12 Nov 2026. Source document: Insurance Authority Board of Directors Resolution No. 6 of 2010 Concerning Surveyors and Loss Adjusters' Regulations

34CBUAE Rulebook, Insurance Authority Board of Directors Decision No. (9) of 2017 Concerning the Regulations on Licensing and Registration of Actuaries. Art 11(5). Effective 28 Apr 2017. Last checked 12 Nov 2026. Source document: Insurance Authority Board of Directors Decision No. (9) of 2017 Concerning the Regulations on Licensing and Registration of Actuaries

35UAE Federal Government, Cabinet Resolution No. (56) of 2025 Regarding Private Mediation Centers and Branches of Foreign Mediation Centers. Art 7(5). Effective 15 May 2025. Last checked 12 Nov 2026. Source document: Cabinet Resolution No. (56) of 2025 Regarding Private Mediation Centers and Branches of Foreign Mediation Centers

36UAE Federal Government, Cabinet Resolution No. (176) of 2025 Regarding the Executive Regulations of Federal Law No. (6) of 2023 on the Practice of Some Medical Professions by Persons Other Than Physicians and Pharmacists. Art 8(2)(a). Effective 29 Nov 2025. Last checked 12 Nov 2026. Source document: Cabinet Resolution No. (176) of 2025 Regarding the Executive Regulations of Federal Law No. (6) of 2023 on the Practice of Some Medical Professions by Persons Other Than Physicians and Pharmacists

37Capital Market Authority, Board of Directors' Resolution No. (25/R) of 2015 Concerning the Registration of Auditors of Public Shareholding Companies and Mutual Funds. Art 3, First (5). Effective 1 Sept 2015. Last checked 12 Nov 2026. Source document: Board of Directors' Resolution No. (25/R) of 2015 Concerning the Registration of Auditors of Public Shareholding Companies and Mutual Funds

38Lexology, Decision 701 of 2025: Key Insurance Requirements Every Mediation Centre Must Know. Last checked 12 Nov 2026. Source document: Decision 701 of 2025: Key Insurance Requirements Every Mediation Centre Must Know

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