Automobiles Metal Workshops Service Centres

Schedule of benefits


SECTIONCOVERAGECOVERAGE LIMIT(AED)
PLUSEXTRA
Property all risks Contents like Furniture, Fixtures, Decors, and improvements, Repair Equipment 1,000,000 2,000,000
Other contents 10,000 25,000
Money Money in transit 50,000 100,000
Money in safe 50,000 100,000
Money in premises during business hours 50,000 100,000
Money in employee’s residence 5,000 10,000
Damage of safe 2,500 5,000
Fixed Glass/signage Fixed glass 5,000 5,000
Signage 5,000 5,000
Business Interruption Loss of profit 1,000,000 2,000,000
Loss of rent 100,000 200,000
Increased cost of working 100,000 100,000
Fidelity Guarantee Fidelity Guarantee 25,000 50,000
Public Liability Public liability 1,000,000 2,000,000
Tenant’s liability 100,000 200,000
Workmen’s compensation/ Employer’s Liability Workmen’s compensation As per UAE Labour Law
Employer’s liability 100,000 200,000
Medical Expenses (per employee per Accident) 10,000 15,000
Repatriation expenses (per employee per Accident) 10,000 15,000
Personal Accident Personal accident for 5 named employees (per employee) 100,000 200,000

Policy Excess


COVERAGEDEDUCTIBLE (AED)
Property including fixed glass and signage damage250
Business InterruptionFirst 72 hours
Public liability1,500
Workmen’s compensation/Employer’s LiabilityFirst day wages for workmen’s compensation
Personal AccidentNil


Health Beauty

Schedule of benefits


Policy Excess


Restaurants Cafes

Schedule of benefits


SECTION

COVERAGE

COVERAGE LIMIT(AED)

PLUS

EXTRA

Property All Risks

Contents like Furniture, Fixtures, Decors, and improvements, Kitchen Equipment Stock Of Food items.

1,000,000

2,000,000

Stock In Freezer

25,000

50,000

 

 

 

               Money

Money in transit

50,000

100,000

Money in safe

50,000

100,000

Money in premises during business hours

50,000

100,000

Money in employee’s residence

5,000

10,000

Damage of safe

2,500

5,000

Fixed Glass/signage

Fixed glass

   5,000

5,000

Signage

5,000

5,000

Business Interruption

Loss of profit

1,000,000

2,000,000

Loss of rent

200,000

300,000

Increased cost of working

100,000

100,000

Fidelity Guarantee

Fidelity Guarantee

25,000

50,000

Public Liability

 

 

Public liability

1,000,000

2,000,000

Tenant’s liability

1,000,000

2,000,000

 

 

 

Food and drink Poisoning                    

1,000,000

2,000,000

Workmen’s compensation/

Employer’s  Liability

Workmen’s compensation

As per UAE Labour Law

Employer’s  liability

1,000,000

2,000,000

Medical Expenses (per employee per Accident)

10,000

15,000

Repatriation expenses (per employee per Accident)

10,000

15,000

Personal Accident

Personal accident for 5 named employees (per employee)

100,000

200,000


Policy Excess


COVERAGE

DEDUCTIBLE (AED)

Property including fixed glass and signage damage

250

Business Interruption

First 72 hours

Public liability

1,500

Workmen’s compensation/

Employer’s  Liability

First day wages for workmen’s compensation

Personal Accident

Nil



Offices

Schedule of benefits


SECTION

COVERAGE

COVERAGE LIMIT(AED)

PLUS

EXTRA

Property All Risks

Contents like Furniture, Fixtures, Decors, and improvements, office Equipment

500,000

1,000,000

Portable/Mobile Equipment

50,000

100,000

Other contents

10,000

25,000

 

 

 

               Money

Money in transit

50,000

100,000

Money in safe

50,000

100,000

Money in premises during business hours

50,000

100,000

Money in employee’s residence

5,000

10,000

Damage of safe

2,500

5,000

Fixed Glass/signage

Fixed glass

      5,000

5,000

Signage

5,000

5,000

Business Interruption

Loss of profit

500,000

1,000,000

Loss of rent

200,000

300,000

Increased cost of working

100,000

100,000

Fidelity Guarantee

Fidelity Guarantee

25,000

50,000

 

 

Public liability

Public liability

1,000,000

2,000,000

Tenant’s liability

1,000,000

2,000,000

Non Manual overseas business trips

1,000,000

2,000,000

Food and Drink poisoning

500,000

1,000,000

Workmen’s compensation/

Employer’s  Liability

Workmen’s compensation

As per UAE Labour Law

Employer’s  liability

1,000,000

2,000,000

Medical Expenses (per employee per Accident)

10,000

15,000

Repatriation expenses (per employee per Accident)

10,000

15,000

Personal Accident

Personal accident for 5 named employees (per employee)

100,000

200,000


Policy Excess


COVERAGE

DEDUCTIBLE(AED)

Property including fixed glass and signage damage

250

Business Interruption

First 72 hours

Public liability

1,500

Workmen’s compensation/

Employer’s  Liability

First day wages for workmen’s compensation

Personal Accident

Nil




Retail Shops

Schedule of benefits


SECTION

COVERAGE

COVERAGE LIMIT (AED)

BASIC

PLUS

EXTRA

Property All Risks

Contents like Furniture, Fixtures, Decors and Improvement, Equipment, Retail Stock

1,000,000

2,000,000

3,000,000

Other Contents

10,000

25,000

50,000

Money

Money in Transit

50,000

100,000

250,000

Money in safe

50,000

100,000

250,000

Money in Premises during business hours

50,000

100,000

250,000

Money in Employee’s Residence

5,000

10,000

25,000

Damage to Safe

2,500

5,000

10,000

Fixed Glass/Signage

Fixed Glass

5,000

5,000

5,000

Signage

5,000

5,000

5,000

Business Interruption

Loss of Profit

1,000,000

2,000,000

3,000,000

Loss of Rent

100,000

200,000

300,000

Increased Cost of Working

100,000

100,000

100,000

Fidelity Guarantee

Fidelity Guarantee

25,000

50,000

100,000

Public liability

Public Liability

1,000,000

2,000,000

3,000,000

Tenant’s Liability

1,000,000

2,000,000

3,000,000

Non Manual overseas business trips

1,000,000

2,000,000

3,000,000

Workmen’s Compensation/Employer’s Liability

Workmen’s Compensation

As Per U.A.E Labor Law

Employers Liability

1,000,000

2,000,000

3,000,000

Medical Expenses (per employee, per accident)

10,000

15,000

15,000

Repatriation Expenses (per employee, per accident)

10,000

15,000

15,000

Personal Accident

Personal Accident for 5 named employees (per employee)

100,000

200,000

200,000


Policy Excess


COVERAGE

DEDUCTIBLE(AED)

Property including fixed glass and signage damage

250

Business Interruption

First 72 hours

Public liability

1,500

Workmen’s compensation/

Employer’s  Liability

First day wages for workmen’s compensation

Personal Accident

Nil


Small SchoolsInstitutions Nurseries

Schedule of benefits


SECTION

COVERAGE

COVERAGE LIMIT(AED)

PLUS

EXTRA

Property all risks

Contents like Furniture, Fixtures, Decors, and improvements, Training Equipment.

1,000,000

2,000,000

Portable/Mobile Equipment

50,000

    100,000

Other contents

10,000

25,000

 

 

 

               Money

Money in transit

50,000

100,000

Money in safe

50,000

100,000

Money in premises during business hours

50,000

100,000

Money in employee’s residence

5,000

10,000

Damage of safe

2,500

5,000

Fixed Glass/signage

Fixed glass

      5,000

5,000

Signage

5,000

5,000

Business Interruption

Loss of profit

1,000,000

2,000,000

Loss of rent

200,000

300,000

Increased cost of working

100,000

100,000

Fidelity Guarantee

Fidelity Guarantee

25,000

50,000

Public Liability

 

 

Public liability

1,000,000

2,000,000

Tenant’s liability

1,000,000

2,000,000

Indemnity to pupil                               

1,000,000

2,000,000

Workmen’s compensation/

Employer’s  Liability

Workmen’s compensation

As per UAE Labour Law

Employer’s  liability

1,000,000

2,000,000

Medical Expenses (per employee per Accident)

10,000

15,000

Repatriation expenses (per employee per Accident)

10,000

15,000

Personal Accident

Personal accident for 5 named employees (per employee)

100,000

200,000

 

 

 

Personal  Accident for students(per  student)

 

25,000

 

50,000

 

Personal  Accident for students(per event)

 

1,000,000

2,000,000


Policy Excess


COVERAGE

DEDUCTIBLE (AED)

Property including fixed glass and signage damage

250

Business Interruption

First 72 hours

Public liability

1,500

Workmen’s compensation/

Employer’s  Liability

First day wages for workmen’s compensation

Personal Accident

Nil

AlDawliyah Insurance Services L.L.C