The policy covers legal liability for Accidental Property Damage of and/or Death/Personal Injuries to Third Parties arising out of operation of an insured business.

The policy provides protection against professional negligence which could lead to Bodily Injury or Property Damage to third parties for which the insured person can be held legally liable. Examples of this include indemnity for Consulting Engineers & Architects, Professional Indemnity for Accountants and Medical Malpractice Takaful (for Medical Practitioners).

• Response to claims of alleged errors in judgment, breach of duty, or other wrongful acts committed by the Directors and Officers in their capacities as such.
• A Directors and Officers policy provides coverage for claims arising from the “wrongful acts” of any persons while serving in their capacity as directors or officers, including any act, error, or omission in their capacity as directors or officers.
• Covers Liability of Directors and Officers in their personal capacity.
• Coverage for Contractual and Business requirements.
• Protects the organization.
• Needed to attract capable Directors and Officers.

• This policy provides coverage for employees and labourers' wages in case of injury / death during employment.
• This policy covers the following incidents:
  

  1.	Occupational Death: Workers can be indemnified for up to 24 months of their last remuneration before death (subject to a minimum of Dhs.18, 000/- and maximum of AED 35,000).
  2.	Partial / Permanent Disability: A percentage of Death benefits ) as per UAE labour law in force) shall be provided.
  3.	Loss of Wages: Indemnity shall be provided to employer based on basic salaries / wages.
  4.	Medical Expenses: Treatment is confined to local government or public medical centre and expenses are reimbursable.

• You can also protect your company against claims made by employees under Common / Shari'a Law up to a selected limit of covers which generally goes up to a maximum of AED 200,000/- (Employer's Liability Takaful).
• You can also extend this cover to include accidents occurring within the territorial limits but outside duty hours (in line with the benefits payable under the UAE Labor Law).