Best Public Liability Insurance Companies in Dubai, UAE

This type of insurance is especially important for businesses that involve leasing or owning a property — this is especially crucial if the place regularly welcomes customers and guests, performs work at clients' locations, or has frequent interactions with the public.

By securing public liability insurance, you can keep your business covered against potential claims, enjoy peace of mind, and safeguard its reputation. Here are some top public liability insurance providers in the UAE who can offer you the best plans specially tailored for your business.

Best Company for Public Liability Insurance in Dubai, UAE - (2025)

For all your insurance needs, you can find numerous top public liability insurance providers that can provide you the suitable insurance as per your needs.

Here’s the list —

1-) New India Insurance

New India Insurance is a well-established insurer with a solid reputation for providing reliable coverage across various sectors. Known for offering a wide range of insurance products, New India Insurance caters to businesses, individuals, and healthcare professionals alike.

The company has a history of offering comprehensive policies that ensure clients are well-protected against unforeseen risks.

Feature	Details
What is Covered?	Damages to third parties due to negligent acts Compensation for accidental death or bodily injury Damage to or loss of property Legal costs associated with claims
Add-On Covers	Optional extensions available for an additional premium: Natural calamities (e.g., floods, earthquakes) Transportation risk Working away from business premises Sudden and accidental pollution Liability for plants and equipment in use as tools of trade
Insurance Term	Coverage duration is one year — the policy must be renewed annually

Click here to Buy New India Insurance

2-) Al Buhaira National Insurance

Al Buhaira National Insurance Company (ABNIC), founded in 1978, is one of the UAE's leading public liability insurance providers. With a reputation for reliability, quality service, and exceptional customer care, ABNIC offers a broad spectrum of insurance solutions.

Listed on the Abu Dhabi Securities Exchange (ADX) in 2005, ABNIC has a dedicated team of 346 professionals and strong partnerships with international reinsurers.

Feature	Details
Coverage Scope	Protection against third-party claims for injuries, illnesses, or death caused by medical negligence, errors, or omissions
Claims Coverage	Covers claims related to misdiagnosis, medical errors, negligence, and wrongful death
Legal Expenses	Include coverage for legal defence costs and court fees
Premium Calculation	Premiums are based on factors such as the nature of services, the number of professionals covered, and the level of risk associated with the practice

Click here to Buy Al Buhaira National Insurance

3-) Union Business Insurance

Union Insurance, established in 1998 with a capital of over AED 330 million, is a trusted name in the UAE insurance market. With its headquarters in Dubai, Union Insurance is listed on the Abu Dhabi Securities Exchange (ADX) and licensed by the UAE Insurance Authority. The company provides a wide range of retail and commercial insurance solutions, serving businesses of all sizes across the UAE and the Middle East.

Feature	Details
Claim Costs	Covers costs and expenses related to claims made by third parties for injuries or property damage caused by your business activities
Injury and Property Damage	Protects your business from legal liabilities arising from injuries or property damage suffered by third parties due to your operations
Occurrence Basis	Claims are covered if reported within the policy period

Click here to Buy Union Business Insurance

4-) Al Wathba Insurance

Al Wathba Insurance is among the best companies for public liability insurance in the UAE, known for providing insurance solutions that cater to the needs of businesses and individuals. The company is committed to offering exceptional customer service and has built strong partnerships with over 20 trusted businesses.

Its offerings span multiple industries, including aviation, marine, energy, construction, transportation, healthcare, and hospitality.

Feature	Details
Coverage Scope	Protection against third-party legal claims for bodily injury, illness, or damage to property resulting from business operations or interactions with the public
Claims Coverage	Covers compensation for Accidental death, injury, or illness of third parties Damage to another person’s property Legal costs related to such claims (with prior insurer approval)
Key Benefits	Covers any third-party legal liability Includes legal costs and expenses Unlimited liability coverage for ADNOC and other government-related contracts (as required)
Premium Calculation	Based on factors such as risk classification, liability limits, anticipated annual turnover, and the nature of services provided

Click here to Buy Al Wathba Insurance

5-) Abu Dhabi National Takaful

Founded in 2003, Abu Dhabi National Takaful Company is a leading Sharia-compliant Takaful public liability insurance provider in the UAE.

Headquartered in Abu Dhabi with operations in Al Ain and Dubai, the company was the first licensed Takaful operator of the Emirate. With a paid-up capital of AED 100 million and a listing on the Abu Dhabi Securities Exchange (ADX) in 2005, ADNTC holds the highest rating from A.M. Best among global Takaful operators and continues to be a trusted name in the UAE insurance market.

Feature	Details
Injury and Death	Covers legal liabilities for accidental injury or death of third parties caused by the insured business activities
Property Damage	Protects against claims arising from property damage caused by your business operations

Additional Protection

Feature	Details
Product Liability	Provides coverage for claims related to defects in products sold or supplied by your business
Product Recall	Covers the costs associated with recalling defective products to protect consumers and reduce legal risks

Click here to Buy Abu Dhabi National Takaful

6-) Salama Business Insurance

Salama Business Insurance is a trusted provider of Shariah-compliant insurance solutions with a legacy of over 45 years.

Serving more than 450,000 customers, Salama has provided AED 10 billion in overall coverage, establishing itself as one of the largest and oldest insurance providers in the UAE. It is also known for its seamless platforms that let businesses manage policies online or through personalised assistance from its dedicated expert team.

Feature	Details
Third-Party Liability Claims	Covers claims made by the public such as customers, visitors, or delivery personnel for injury or property damage caused by your business
Legal Costs	Provides coverage for legal fees associated with third-party claims
Accident Protection	Financial protection in case of accidents involving the public on your premises or during business operations

Click here to Buy Salama Business Insurance

7-) Al Ain Ahlia Insurance

Al Ain Al Ahlia Insurance Company has been a trusted name in the UAE insurance industry since 1975. With its headquarters in Abu Dhabi and branches across the region, the company leverages almost 50 years of experience to offer reliable and innovative insurance solutions. The company's strategic approach and commitment to customer satisfaction have earned them a 95% approval rating and impressive premium growth.

Coverage Type	Details
Third-Party Injury and Property Damage	Covers legal liability for third-party injuries or property damage caused by your business activities
Legal Costs	Includes coverage for legal costs associated with third-party claims
Compensation Claims	Provides compensation for injury, death, or property damage resulting from accidents related to your business operations

Click here to Buy Al Ain Ahlia Insurance

8-) Sukoon Takaful Insurance

Sukoon Takaful has been one of the Sharia-compliant public liability insurance providers in the UAE for nearly 50 years. Known for its strong financial position, Sukoon Takaful has earned an ‘A’ rating from S&P and annually pays out around AED 120 million in claims. The company‘s commitment to affordability and efficient claims processes ensures reliable protection for businesses.

Coverage Type	Details
Third-Party Injury and Property Damage	Covers legal liability for bodily injury or property damage caused by your business activities
Negligence and Fault	Financially protects against claims resulting from business or employee negligence
Legal Costs	Includes coverage for legal expenses arising from third-party claims

Click here to Buy Sukoon Takaful Insurance

9-) Fidelity United Business Insurance

Fidelity United, established in 1976, is one of the longest-serving public liability insurance providers in the UAE. Its business insurance offerings provide coverage to companies against potential risks such as property damage, legal liabilities, and employee-related issues, ensuring smooth operations even in the face of setbacks.

Feature	Details
Legal Fees	Includes legal costs and expenses incurred to defend a claim against the insured
Exclusions	Don’t cover intentional damage or contractual liability
Coverage Limits	May specify limits per claim, event, or for the entire insurance period

Click here to Buy Fidelity United Business Insurance

10-) Tokio Marine

Tokio Marine is a leading global public liability insurance provider. It is a part of the Tokio Marine Group, which has been established in Japan for over 140 years. It is supported by Al Futtaim Development Services Co. LLC, one of the most successful privately owned business groups in the Lower Gulf region.

Operating in 45 countries and regions, the Tokio Marine Group includes Tokio Marine Holdings, Inc. and 155 subsidiaries. The group offers a diverse range of products and services in both domestic and international markets, serving both developed and emerging markets.

Coverage Type	Details
Third-Party Injury or Property Damage	Covers compensation for third parties in case of physical injury or property damage due to your business activities within the policy territory
Legal Defense and Court Costs	Includes legal costs and court expenses incurred in defending a claim made against your business
Cross Liability	Provides coverage where multiple parties are involved in the claim.
Work Away Risks	Covers employees while on business trips outside the premises (non-manual activities)
Food & Drink Liability	Protects against liability arising from food and drinks served at your premises
Worldwide Coverage	Coverage extends worldwide for employees on non-manual business trips

Exclusions

Exclusion	Details
War & Terrorism	Excludes coverage for damages caused by acts of war or terrorism
Machinery Breakdown / Communicable Diseases	Does not cover risks related to machinery breakdown or communicable diseases
Nuclear & Radioactive Risks	Exclude coverage for damages resulting from nuclear or radioactive incidents
Aviation, Marine, & Offshore Risks	Excludes risks associated with aviation, marine, or offshore operations

Click here to Buy Tokio Marine

For more information on Public Liability Insurance, click here to read more!

Public liability is mandatory in the UAE for most businesses, helping them financially cover their operations. However, product liability is not mandatory.

With that said, it’s advisable to get both insurance types to keep your business covered against various risks.

The amount of coverage you need depends on the business risk and type, legal and compensation costs, industry requirements, and client contracts.

Yes, you can purchase public liability and product liability insurance together. This can be more cost-effective and easier to manage than having separate policies for each. A combined policy ensures that you are covered under one plan.