Top Workers Compensation Insurance Companies in Dubai, UAE

This coverage is mandatory by the federal law in the UAE. It protects both employees and employers and brings several privileges. Undoubtedly, you can find innumerable workers' compensation insurance companies, but it’s essential to find the right one. This page is here to help you with a list of workers compensation insurance providers.

Best Workers Compensation Insurance Companies

Here are the top workers’ compensation insurance providers in the UAE to choose from:

1-) RAK Insurance

RAK Insurance, associated with the Ras Al Khaimah Economic Zone "RAKEZ," offers extensive workers' compensation coverage. It benefits both employees and employers. This insurance provides coverage for work-related injuries, end-of-service gratuities, repatriation charges, and other expenses.

The key features and benefits of RAK Workers Compensation Insurance are as follows:

Covers RAKEZ-registered businesses’ employees
Safeguard employees in critical times and cover unpaid salaries, workplace accidents, etc.
Provide financial support to employees
Eliminates visa deposit charges of AED 2,000, enhancing financial security
Easy process to apply for and renew insurance coverage
Built trust among the workforce
Offers peace of mind to employees and employers
Simple process to raise a claim

Contact Details-

800 7254
+971 7 228 8500

Click here to Buy RAK Insurance

2-) Tokio Marine

Tokio Marine, a leading global insurance provider, offers comprehensive workers compensation insurance. This policy ensures businesses and employees receive top-notch coverage for work-related injuries and illnesses.

Here is a brief of what’s covered and what’s not in the Tokio Marine workers compensation insurance:

What is Covered	What is Not Covered
Covers medical and repatriation costs Death/disability by work-related injury Covers funeral expenses (not in the case of repatriation) Loss of wages Provides 24-hour coverage, including non-work-related accidents Covers global non-manual business trips	Injury/death due to intoxication or drug use Company policy violation Suicide attempts Self-attempted injuries/damage Communicable diseases War, political cause, invasion, and terrorism

Contact Details-

Dubai Office: +971 - 4 - 3502 777
Abu Dhabi Office: +971 - 2 – 6432 290

Working Hours-

Monday to Friday- 8 am to 5 pm

Click here to Buy Tokio Marine Insurance

3-) Insurance House

Insurance House is one of the best workers' compensation insurance companies in the UAE. It’s a public joint stock insurance company, listed on the Abu Dhabi Securities Exchange, offering a range of insurance products and services to individuals and corporations.

Among its diverse offerings for businesses, workers' compensation is the most demanded one, as it provides financial coverage to employers. The plan covers damage or illness to employees during their employment.

Key coverages of the policy are as follows:

Death coverage
Disability coverage
Covers medical expenses

Note: Coverage details may vary from policy to policy. For a comprehensive understanding of what’s included, refer to your policy document.

Contact Details-

600511112

Click here to Buy Insurance House

4-) AIG Insurance

AIG is a world-renowned name, as it covers business risks with exclusive insurance products and services. Their worker's compensation insurance helps you navigate all the business risks under the expert’s guidance. It makes the claim process for the same smooth and streamlined.

You can enjoy the following AIG worker’s compensation advantages:

Offers pre-injury consulting services
Quick and easy claim processing
Provides several insights and programs to reduce risks
Mobile and app facilities are available to file a claim
Robust customer support

Contact Details-

800-225-5244

Click here to Buy AIG Insurance

5-) Watania Takaful

Watania Takaful is a prominent name in the UAE, offering a variety of products, including motor, home, health, travel insurance, and more. It features workmen’s compensation and employee’s liability coverage under Casualty and Liability services. This covers businesses' legal liabilities in case of any unforeseen events with their employees.

It provides coverage for occupational diseases and personal injury/accident during employment with the insured company. Along with workmen’s compensation, this plan offers additional benefits, such as third-party bodily injury and property damages coverage, public and product liabilities, medical malpractice, and more.

Contact Details-

+971 800 928 2642

Click here to Buy Watania Takaful

6-) Al Wathba

Al Wathba is one of the best workers' compensation insurance companies in the UAE. With more than 25 years in the industry, the company is renowned for providing excellent products and services, satisfying a wide base of customers.

It allows employers to stay protected against any legal liabilities with the Workmen’s Compensation Policy. It provides coverage to the employees in case of damage/injury due to accidents during the course of employment.

The coverage under the policy is overviewed below:

Coverage	Amount
Medical Expenses	Up to AED 10,000/ per person
Repatriation Expenses	Up to AED 5,000/ per person
Employer’s Liability	Up to AED 1,000,000/one accident or in the aggregate Up to AED 200,000/per person

Contact Details-

600 544 040

Working Hours-

Monday to Thursday: 8 am to 7 pm
Friday: 8 am to 12 pm
Saturday: Off
Sunday: 8 am to 5 pm

Click here to Buy Al Wathba

7-) Arabia Insurance

Arabia Insurance is one of the leading workers’ compensation insurance companies. It was founded in 1944 and offers incredible insurance services in 8 Arab countries. With round-the-clock customer support and fast claim approvals, the company caters to the various insurance needs of corporations.

Here’s a brief of the workmen's compensation plan’s inclusions and exclusions:

Inclusions	Exclusions
Injury and death due to accident Medical expenses reimbursement Employers legal liability coverage Repatriation expenses Occupational hazard coverage Loss of wage coverage	Death/injury caused by intoxication or drugs Violation of company policy Suicide attempt Terrorism, war, or political causes

Contact Details-

+971-4-2280 022
+971-2-6744 700

Click here to Buy Arabia Insurance

8-) Orient Insurance

Orient Insurance is among the top worker's compensation insurance companies in the UAE that provides comprehensive coverage for employees and employers. This company has been working in the industry for more than 40 years and built a reputation for its reliability and trustworthiness.

Worker’s compensation insurance coverage protects businesses against risks arising from employees' work-related uncertainties. Along with the basic coverage, this plan offers additional benefits such as extended employer liability coverage and off-duty employee accidental coverage.

The following coverages under the plan are mentioned below:

Coverage	Amount
Occupational Death	Up to AED 35,000
Permanent Disability	N/A
Loss of Wages (cash allowance)	First 6 months- 100% salary Rest 6 months- 50% of the salary
Medical Expenses	Reimbursable
Employers Liability Coverage	Up to AED 1 million

Contact Details- N/A

Click here to Buy Orient Insurance

9-) Sukoon Takaful

Sukoon Takaful has provided Sharia-compliant financial solutions with a customer-centric approach since 1978. As one of the top workers’ compensation insurance companies in the UAE, it offers comprehensive coverage that protects employers from legal liabilities in case of an employee's accident during their course of employment.

Contact Details-

800 272262
+971 4 282 4403

Click here to Buy Sukoon Takaful Insurance

10)- Salama Insurance

Salama is one of the oldest Takaful providers in the UAE, offering Sharia-compliant insurance solutions for more than 40 years in the industry. It provides employee compensation coverage under the Property and Casualty plan.

Along with employee compensation, the company provides additional coverages, including-

Property coverage from all risks
Fire and allied perils
Business interruption
Employee liability
Public liability

Contact Details-

800-725262

Click here to Buy Salama Insurance

How to Find the Best Workers Compensation Insurance Providers in the UAE?

Here are the tips to find the best workers compensation insurance provider for your company:

Do Thorough Research

Start your research online by visiting the official websites of various providers. Look at their services, coverage options, specializations, testimonials, and more. Choose one that has a good reputation in the industry and offers law-aligned workmen’s compensation coverage.

Compare Workers’ Compensation Plans

Comparing policies from multiple providers helps identify the most cost-effective and comprehensive option. Review the coverage details, such as medical expenses, wage replacement, and liability coverage, while also considering premiums and deductibles.

Claim Settlement Ratio

It’s a prominent factor that you should check before buying a worker's compensation plan for your business. If the provider has a good settlement ratio and a fast claim process, consider them.

Extended Benefits

Many workers' compensation insurance companies offer additional benefits on your basic coverage plan. These extended coverages provide extra protection to employees and employers, such as employers’ liability coverage and employees’ protection beyond their working hours.

Why Buy Workers Compensation Insurance Through Policybazaar UAE?

Policybazaar UAE is a reliable online platform where you can compare plans of various workers' compensation insurance providers. It offers exclusive benefits for its customers, such as expert guidance, claim assistance, and more.

With us, you can find affordable and customized plans, covering all your business needs. By using different filters on the platform, you can easily compare the features and benefits of different plans and get the best coverage. Click here to get the assistance now!

Frequently Asked Questions

It’s a mandatory policy in the UAE by law that protects businesses from financial losses due to employees’ death/injury. This policy benefits both employees and employers in case of any unforeseen events. The benefits include the employer’s liability coverage, wage loss coverage, medical expenses coverage, and more.

Businesses that don’t have workers' compensation insurance can face lawsuits, fines, and penalties in the UAE.

Workers' compensation insurance covers an employer's financial loss due to an employee's death/injury during working hours and compensation to employees– medical expenses, loss of wages, and more.

Yes, it’s easy to buy an insurance plan online in the UAE. You can choose reliable online platforms like Policybazaar.ae to get the best workmen compensation coverage.

The premium depends on various factors such as the size of the company, employees' salary, risk involvement, scope of coverage, additional coverages, and more.

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Top Workers Compensation Insurance Companies in UAE