Business insurance in Umm Al Quwain

What must an employer in Umm Al Quwain arrange?

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.²

The UAE Government portal lists a basic package at AED 320 a year. A broker network page says that excludes VAT and a fee of AED 25.20.

The authority is the Ministry of Human Resources and Emiratisation.

• 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.
• 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.

How much insurance is written in Umm Al Quwain?

Premiums are as booked by insurers to the emirate. Claims paid in a year are not matched to the premium of that year.

Which free zones are in Umm Al Quwain?

• Umm Al Quwain Free Trade Zone

All free zones are in the free zones table.