Commercial Insurance services in UAE
Protect Your Assets, Minimize Your Liabilities
Seguro Insurance is the Torchbearer of Excellence in Commercial Insurance Services in the UAE.
A life insurance coverage plan is a contract by having an insurance carrier. The insurance business supplies a lump-sum repayment, known as a death benefit, to beneficiaries upon the insured’s death in exchange for premium payments. Many different types of life insurance are available to meet all sorts of needs and preferences
Why Choose Seguro’s Commercial Insurance Services?
We are committed to stability and risk mitigation for businesses through our extensive portfolio of commercial insurance services in the UAE. We help businesses of all sizes safeguard their assets and mitigate their potential liabilities.
Seguro is your partner in business resilience.
- We are a trusted provider of commercial insurance services in the UAE.
- We specialize in protecting businesses from a wide range of risks.
- We provide tailored coverage, competitive rates, and industry expertise.
- Our services are designed to meet the unique needs of diverse industries.
- We focus on responsive claims handling and proactive risk management.
Commercial Insurance Services Offered by Seguro.
Property All Risks Insurance (PAR)
It provides business insurance against a wide range of risks and perils that can damage or destroy your valuable assets. It includes coverage for:
- Land, buildings, and furniture.
- Plant and machinery.
- Stock and other assets.
Business Interruption Insurance
Also known as Business Income Insurance, it covers the loss of income that a business suffers after a disaster like a fire or flood. It includes coverage for:
- Disaster-related closing of the business facility
- Businesses shut down while rebuilding after a disaster.
- Coverage for income lost due to a disaster.
Consequential Loss Insurance (BI)
It is a type of Business Interruption Insurance that helps businesses recover from financial losses resulting from a disruption in their operations. It includes coverage for:
- Collateral damage resulting from equipment damage.
- Inability to use a damaged property or asset as usual.
- Loss of income due to other insured interruptions.
Money Insurance
It is a type of business insurance that protects from loss of money in the form of cash and cash equivalents during business operations. It includes coverage for:
- Loss of money on the premises during business hours.
- Loss of money from a locked safe out of business hours.
- Loss of money while in transit between specified locations by authorized employees.
Commercial General Liability (CGL)
It protects businesses from a wide range of third-party claims for various damages and injuries arising from any operations, products, or on premise activities, etc. It includes coverage for:
- Property damage and bodily injury.
- Personal injury due to libel and slander.
- False advertising, and other liabilities.
Strata Insurance for Multi Storied Buildings
It is a specialized insurance coverage for multi-storied buildings such as condominiums, apartments, and townhouses. It includes the coverage for:
- Comprehensive protection for the common areas.
- Coverage for shared elements of the building.
- Examples: hallways, elevators, parking lots, etc.
Machinery Breakdown Insurance
It covers a wide spectrum of machines and equipment in commercial and production facilities against machinery breakdown. It includes coverage for:
- Power generating units (boilers, turbines, generators, gas turbines, etc.)
- Power distribution plant (transformers, high- and low-voltage switchgear, etc.)
- Production machinery, plant, and equipment (electric motors, compressors, pumps, gearboxes vessels, reactors, etc.).
Jewellers Block Insurance
It protects retailers, manufacturers, and distributors handling high-value items such as precious jewelry or pieces of fine art. It is an all-risk policy providing comprehensive coverage. It includes coverage for:
- Traditional jewelry shops and pawnbrokers.
- Establishments for exchanging foreign currency.
- Gold, diamond, etc. at insured premises.
Bankers Blanket Cover Insurance
It protects financial institutions, including banks and other financial service providers, from a wide range of risks they face in their operations. It includes coverage for:
- Exposures such as employee dishonesty.
- Forgery, alteration, and computer fraud.
- Counterfeit currency, and other specified perils.
Marine Cargo Insurance
Safeguard your cargo (such as goods and shipments) anywhere in the world during transportation (in transit). It includes coverage for:
- Cargo that is transported by water, air, or land (rail or road).
- Cargo that is shipped using any combination of water, air, and land
- Cargo that is damaged due to an accident while in transit.
Hull & Machinery Insurance
It protects businesses against damages to an insured vessel and its equipment from covered perils while it is in transit (over water). It includes coverage for:
- ‘Hull’ (main body of the ship) including the bottom, sides, and deck.
- Fixtures attached to the hull of the ship as a functional part.
- Tugboats, barges, floating machinery, oil rigs, and more, if insured.
Haulier’s Liability Insurance
It provides protection against the potential liabilities and risks faced by haulage or transportation companies during the transit of goods. It includes coverage for:
- Damage or loss of cargo, theft of cargo, and accidents.
- Third-party liabilities arising from transportation operations.
- Damage due to fire, lightning, and other specified perils.
Fidelity Guarantee Insurance
It protects you against any losses arising from fraudulent or dishonest acts committed by your employees, partners, contractors, volunteers, and so on. It includes coverage for:
- The loss of money or other property belonging to you.
- The loss of money or property for which you are legally responsible.
- Financial losses due to forgery, embezzlement, misappropriation, and more.
Public Liability Insurance (TPL)
Public Liability Insurance covers the cost of claims made by members of the public that happen in connection with your business activities. It includes coverage for:
- Personal injuries, loss or damage to property, and death.
- Incidents on your business property and/or your premises.
- Incidents at events or activities of your company.
Contractors All Risk (CAR)
It is one of the most popular business insurance in Dubai that protects contractors involved in construction from a wide range of risks and potential losses during the construction process. It includes coverage for:
- Physical loss or damage to the project under construction.
- Risks arising from named perils or events such as fire, theft, etc.
- Extensions and add-ons, such as coverage for legal expenses, etc.
Product Liability Erection All Risk (EAR)
It is a type of business insurance that protects against any damages or losses sustained during the erection or installation of any equipment, plant, machinery, or structure. It includes coverage for:
- Damage to property and equipment.
- Third-party property damage.
- Third-party bodily injury.
Contractor’s Plant & Machinery Insurance
It is a type of business insurance that covers unanticipated and sudden physical loss or damage to any equipment owned, hired, or leased. It includes coverage for:
- All risks except mechanical and electrical derangement.
- Machinery at work or rest, in transit as well as under maintenance.
- Examples: bulldozers, cranes, excavators, compressors, etc.
Electronic Equipment Insurance (EEI)
This policy covers accidental loss or damage to electronic equipment such as: It is one of the common commercial insurance services in the UAE that protects the owner, lessor, or hirer of electrical equipment against breakdowns, accidental loss, and damage. It includes coverage for:
- Electronic data processing machines & telecommunication equipment.
- Radio transmitting and receivers and material testing/research equipment.
- Electro-medical installations and signal and transmitting units.
Hotel Comprehensive Policy
It is one of the most popular commercial insurance services in the UAE that provides comprehensive protection against various kinds of risks and exposures that businesses in the hotel industry may face. It includes coverage for:
- Property damage and equipment breakdown.
- Business interruption and liability claims.
- Employee theft, and other specified perils.
Motor Fleet Policy
It is a type of business insurance that safeguards businesses or organizations that own or operate a fleet by providing comprehensive fleet protection under a single policy. It includes coverage for:
- Fleets of cars, vans, trucks, and other kinds of vehicles.
- Damages due to accidents, fire, burglary, natural calamities.
- Injuries to the driver in case of accidents may also be included.
Events Liability & Contingency Insurance
It is an important business insurance in Dubai that protects event organizers and participants from potential risks and unforeseen circumstances associated with hosting or participating in an event. It includes coverage for:
- Public events, such as concerts and festivals.
- Corporate events such as conferences and parties.
- Private events such as weddings, and other special occasions.
Yacht Insurance
It is a type of business insurance that protects the owners and operators of a yacht or pleasure craft against losses due to collision, fire, theft, and weather-related perils. It includes coverage for:
- Physical damage to the yacht.
- Injuries arising from covered perils.
- Liability coverage in case of third-party claims.
Freight Forwarder’s Liability Insurance
Freight forwarders provide a service that comes with an expectation of a certain level of professionalism and specialist knowledge. When things go wrong the freight forwarders may well be held to account for any financial losses with legal action and freight forwarders professional indemnity insurance is designed to mitigate the effects of such actions.
Professional Indemnity Insurance
It protects freight forwarders from losses due to any legal liability arising due to the services provided by them, or their business operations. It includes coverage for:
- Third-party property damage.
- Third-party bodily injury.
- Personal injury claims.
Aviation Insurance
It is a type of business insurance that protects individuals and businesses involved in the aviation industry from a wide range of risks associated with aircraft operations. It includes coverage for:
- Physical damage to the aircraft from covered perils.
- Injuries due to accidents, collisions, and other specified perils.
- Environmental and third-party damage due to aircraft operations.
Medical Malpractice Insurance
It is one of the most popular business insurance in Dubai protects medical professionals from legal exposure based on malpractice and is usually taken by medical institutions for all their officers. It includes coverage for:
- Defending and settling malpractice claims by their patients.
- Bodily injury or property damage arising from their services.
- License protection and information privacy coverage.
Commercial General Liability (CGL)
It protects businesses from third-party claims for bodily injury, property damage, and personal injury arising from the business operations. It includes coverage for:
- Legal costs, settlements, and judgments that result from lawsuits.
- Claims filed by third parties, such as customers, clients, or others.
- Liabilities arising from third parties due to products or premises.
