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Workmen's Compensation Insurance Online
Safeguard your workforce and fortify your business in the UAE with Buy Any Insurance!
Buy Any Insurance offers workmen's compensation insurance quotes online in the UAE. Our policies protect your employees from work-related injuries and occupational diseases. Compare workmen's compensation quotes online and get the perfect protection for your employees at affordable prices. Request a quote today!
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Workmen's Compensation Insurance Benefits
Here are the key benefits of obtaining workers’ compensation insurance in the UAE:
- Medical Expenses : Workmen's compensation insurance covers the costs of hospitalization, sanatorium stays, surgeries, X-rays, medical analyses, medications, rehabilitation equipment, and the provision of artificial limbs and other prosthetic devices when disability is established. Furthermore, the employer is responsible for covering any transportation costs related to the worker's treatment.
- Work-Related Death : In this case, the worker's family members are entitled to compensation equal to the worker’s basic wage for a period of twenty-four months, with the amount ranging from a minimum of 18,000 dirhams to a maximum of 35,000 dirhams. The compensation is calculated based on the last salary the worker received before his death.
- Permanent Total Disability: This means that the worker is permanently unable to engage in any profession or work that allows him to earn a living, such as in cases involving complete loss of sight, loss of arms or legs, mental illness, or chronic and incurable diseases.The compensation payable to the worker in the event of total permanent disability is equal to that payable in the event of death.
- Permanent Partial Disability : Permanent partial disability reduces a worker's ability to work by a certain percentage but doesn't stop them from working altogether. Compensation is calculated like this: For instance, if a worker's disability is 25% and their last monthly wage was 1,000 dirhams, they would receive 6,000 dirhams (25% of 1,000 dirhams for 24 months).
- Rehabilitation Expenses : Workmen's compensation coverage includes expenses for rehabilitation services such as physical therapy, occupational therapy, and other forms of rehabilitation to aid the employee's recovery.
What Does Workmen's Compensation Insurance Exclude?
The worker is not entitled to any compensation for a work-related injury if investigations by the competent authorities prove any of the following:
- The worker intentionally injured himself to commit suicide.
- The worker intentionally injured himself to obtain compensation, sick leave, or for any other reason.
- The accident occurred under the influence of alcohol or drugs.
- The accident resulted from a deliberate violation of preventive instructions posted visibly in the workplace.
- The injury occurred due to intentional misconduct by the worker.
- The worker refused, without valid reason, to disclose the injury or follow the treatment prescribed by the medical authority responsible for health affairs in the country.
Workmen's Compensation Insurance Add-Ons
To enhance the protection provided by workmen's compensation insurance, the following extensions can be added:
Employer’s Liability :
- Safeguards against lawsuits raised by the employee's family for death or injury due to proven negligence.
- Covers compensation exceeding AED 35,000 as per UAE Federal Labor Law No. 8 of 1980.
- Covers the costs of transporting the deceased employee's body due to a work accident.
- Coverage up to AED 5,000 per person, with higher limits available for an increased premium.
- Covers employees against injury, disability, and death from accidents outside regular working hours and workplaces.
FAQs
Are There Any Deductibles in a Contractor's All Risk Insurance Policy?
Yes, most construction all risk insurance policies include deductibles, which are the amounts the contractor must pay ...
Yes, most construction all risk insurance policies include deductibles, which are the amounts the contractor must pay out-of-pocket before the insurance coverage kicks in.
Does Contractor's All Risk Insurance Cover Natural Disasters?
Yes, Contractor's All Risk insurance covers damage or loss due to natural disasters such as floods, earthquakes, and ...
Yes, Contractor's All Risk insurance covers damage or loss due to natural disasters such as floods, earthquakes, and windstorms, unless the policy explicitly excludes it.
What to Do If a Claim Arises Under My Contractor's All Risk Insurance Policy?
Contact your insurance provider immediately and notify them about the loss or damage. In cases of theft or burglary, call the ...
Contact your insurance provider immediately and notify them about the loss or damage. In cases of theft or burglary, call the police right away. Submit detailed documentation to the insurance company and prepare any invoices or receipts.
How is the Premium for Contractor's All Risk Insurance Calculated?
The premium is based on various factors, including:
The premium is based on various factors, including:
The project's size ...
The premium is based on various factors, including:
The premium is based on various factors, including:
- The project's size and value.
- The construction activities.
- The duration of the project.
- The claims history of the contractor.
What is Covered by a Contractor's All Risk Insurance Policy?
A Contractor's All Risk insurance policy covers material damage or loss occurring at the construction site. Additionally, it ...
A Contractor's All Risk insurance policy covers material damage or loss occurring at the construction site. Additionally, it includes third-party liability for injury and property damage.
How to Choose the Right Contractor’s All Risk Insurance Policy?
To ensure you select the appropriate construction all-risk insurance policy, consider the following factors:
Know your needs: ...
To ensure you select the appropriate construction all-risk insurance policy, consider the following factors:
Know your needs: Evaluate potential risks and consider the project's size, the number of employees, and the types of tools and equipment used. This will help you choose the right insurance policy.
Policy coverage: Make sure the policy meets project specifications and includes both material damage and third-party liability.
Policy exclusions: Review the policy exclusions thoroughly and consider purchasing additional coverage to mitigate any potential risks.
Insurance provider: Choose a reputable insurer in this sector. Buy Any Insurance has partnered with the most prominent Contractor’s All Risk Insurance providers in the UAE.
Compare quotes online: Compare quotes through the Buy Any Insurance website. Check coverage limits, exclusions, deductibles, and rates to get the best insurance coverage.
Who Needs Contractor's All Risk Insurance?
Contractors and construction companies need to get Contractor's All Risk Insurance in the UAE.
Contractors and construction companies need to get Contractor's All Risk Insurance in the UAE.
Is Contractor's All Risk Insurance Mandatory in Dubai?
Yes, as per the law and Executive Council Resolution No. (28) of 2022, contractors must obtain an insurance policy to conduct ...
Yes, as per the law and Executive Council Resolution No. (28) of 2022, contractors must obtain an insurance policy to conduct their construction projects in Dubai. Additionally, every contractor must provide comprehensive coverage against any material damage, risks, and losses related to construction works, as well as third-party liability.
What is Contractor's All Risk Policy?
Contractor's All Risk, or Construction All Risk insurance, is a type of insurance in Dubai, UAE, designed to protect ...
Contractor's All Risk, or Construction All Risk insurance, is a type of insurance in Dubai, UAE, designed to protect contractors against construction-related risks, including property damage and third-party liability due to natural disasters, accidents, and labor disputes during the construction period.
