Public Liability Insurance Dubai

What is Public Liability Insurance in UAE?

Public liability insurance (PLI) is an essential business insurance policy in UAE. It financially protects your business against legal claims arising from injury or property damage caused to third parties due to your business activities.

This insurance is often required by clients or included as a condition in business contracts. In some cases, it’s also necessary for compliance purposes. This includes renewing or issuing a trade licence, tenancy agreements, and more in the UAE.

Why Do Businesses Need Public Liability Insurance in UAE?

Public liability insurance is crucial for businesses operating in the UAE. It protects companies from financial losses due to accidents or injuries that may occur on their premises or as a result of their business operations.

Here’s why business leaders should prioritise this coverage -

Coverage for Third-Party Claims at Only AED 450*

Get Quotes →

Who Needs Public Liability Insurance in UAE?

Public liability insurance in Dubai is not limited to just industry giants. It’s essential coverage for businesses of all sizes, whether you run a startup or an international company. If your business regularly interacts with the public (clients or customers), you must buy this business insurance policy.

Some of the key industries for which this type of insurance is suitable are -

• Manufacturers
• Construction
• Distributors
• Retail stores
• Restaurants and cafes
• Real estate companies
• Consultants and service providers
• Office-based businesses, where clients or guests visit frequently
• Event management companies and more

Coverage for Third-Party Claims at Only AED 450*

Get Quotes →

What are the Types of Public Liability Insurance in UAE?

Public liability insurance in Dubai is also known as ‘General Liability Insurance’ and ‘Third-Party Liability Insurance.’ Typically, you can find this coverage in two forms that are covered below -

✍️ For comprehensive protection, you can choose a combined plan of both policies at Policybazaar.ae.

Read More: Public Liability Insurance- Work Away Extension 

What Does Public Liability Cover in UAE?

Public liability covers your business from various types of third-party liabilities. The standard coverage of this business insurance is as follows -

✅ Legal liabilities, including defence or court costs

✅ Third-party bodily injury

✅ Third-party property damage

✅ Personal injury coverage

✅ Accidental death of a third-party

What is Not Covered Under Public Liability Insurance?

While public legal liability insurance in Dubai covers various scenarios, some are still excluded. Here are the key exclusions of a standard policy -

1. Liabilities towards your own employees
2. War and terrorism
3. Machinery breakdown
4. Professional errors
5. Own property damage
6. Willful or intentional damage
7. Nuclear risks
8. Radioactive materials
9. Aviation, marine, or offshore risks

✍️ The key inclusions and exclusions of public liability insurance vary by the policy and the insurer. It’s essential to review the policy wording carefully to understand the exact scope of coverage.

Public Liability Insurance Add-Ons in the UAE

Public liability insurance add-ons help you modify and extend the coverage of your policy. While each insurer’s offerings may vary, here are the general add-ons with public liability coverage -

• Tenant’s liability
• Work away extension
• Product liability
• Vendors’ liability
• Motor liability
• Pollution liability
• Advertising liability

How Does Public Liability Insurance in UAE Work?

Let’s understand how this business insurance works for you with an example:

A client walks into your Dubai-based office, trips over a loose cable, and suffers an injury. They file a legal claim for medical expenses and compensation. This can not only harm your business’s reputation but also lead to financial strain.

This is where public liability insurance comes into the picture, covering both the costs and your reputation.

Here’s How the Policy Works

⇒ It covers your business against third-party claims for bodily injury or property damage caused by your business activities. This includes the coverage for legal defense costs and compensation, up to the policy limit.

⇒ The coverage limit for public liability insurance in UAE typically starts at AED 500,000 and can go up to AED 100 million or more. The exact limit varies as per factors like

• Free zone regulations
• Contractual requirements
• Level of project risk exposure and more

⇒ Once a claim arises, the insurer manages the case. Businesses must not accept liability or settle claims without the insurer’s written approval in the UAE.

⇒ Most public liability insurance policies operate on an occurrence basis. This means the policy will respond as long as the incident occurred during the policy period. However, the event must fall within the policy’s defined coverage and terms for a claim to be payable.

Why Get the Best Public Liability Insurance Quote at Policybazaar.ae?

Policybazaar.ae is the best online platform to buy public liability insurance in the UAE. It offers just the perfect insurance plans for all businesses, whether you run a small startup or a large corporation. When you secure your business with us, here’s what you get -

🛡️ Customised Plans

On this platform, you can find the right plan for your business from the leading insurance providers in the UAE.

💻 Complete Digital Purchase

We offer a complete digital process for insurance purchase. It saves your valuable time and gives you the convenience to compare public liability insurance policies from the comfort of your home.

🤓 Experts Assistance

Whether you’re unsure which PLI plan suits your business or simply have a quick question, our experts are here to help. They’ll guide you through the options and assist you in the best possible way.

💸 Affordable Business Insurance Plans

Worried about the budget but need protection? Our public liability insurance keeps your business safe without breaking the bank. The plans on our platform offer reliable coverage tailored to your budget. This way, you can focus on growth with complete peace of mind.

Coverage for Third-Party Claims at Only AED 450*

Get Quotes →

How to Buy Public Liability Insurance in Dubai?

You can easily buy public liability insurance in UAE at Policybazaar.ae. Simply follow these quick steps to get the best plan without any hassles -

➡️ Go to the homepage of Policybazaar.ae, and click on the ‘Business Insurance’ option

➡️ Look for ‘Public Liability Insurance’

➡️ Click on the required coverage and fill out the lead form

➡️ Choose the type of coverage and limit along with the business type

➡️ Submit the form, and it’s done!

➡️ Soon, we will get back to you and help you choose the right policy

How Much Does Public Liability Insurance in UAE Cost?

You can get affordable public liability insurance plans starting at just AED 450* at Policybazaar.ae. However, the actual cost depends on several factors, including -

• Business Size and Industry: The size and industry strongly affect the cost of a PLI policy. For instance, if you have a large number of employees or deal in construction, you may be required to pay a high premium.
• Annual Turnover: Higher business revenue often means increased risks, which leads insurers to charge higher premiums for coverage. 
• Coverage Limit: Businesses typically require a minimum coverage of AED 500,000 under a public liability plan. If you choose a higher coverage limit, your overall insurance cost will increase.  
• Claim History: If your business has a history of frequent claims, insurers may charge higher premiums. However, with fewer claims, you could qualify for discounts and special offers — rewarding you for maintaining a claim-free record.

*The cost is for reference only. Actual premiums may vary as per the policy type, industry, and annual turnover.

How to File a Public Liability Insurance Claim in the UAE?

To file a claim against public liability insurance in Dubai or anywhere else in the UAE, here’s what you need to do -

➡️ Notify the insurance provider as soon as possible

➡️ Start the claim process by submitting the claim form and essential documents

➡️ Assist the surveyor or investigator — assigned by the insurer — in assessing the loss/damage

➡️ Once your claim is approved, you will get the compensation amount from the insurance company

Last Updated At: 21 January 2026

Public Liability Insurance- FAQs

Get Other SME Insurance in UAE