Business Insurances

Medical & Employee Benefits

Assets
Insurance

Pecuniary
insurance

Liability Insurance

Miscellaneous Insurance

Group Medical Insurance in the UAE
With health insurance being made mandatory in Abu Dhabi by the Health Authority of Abu Dhabi (HAAD) and Dubai by the Dubai Health Authority (DHA), it is now mandatory for all residents to be covered for medical insurance. Our Health insurance experts will be happy to provide you with the best possible solutions after understanding your requirements………. at the most competitive prices.
  • Ensure that your Health policies meet with all statutory requirements
  • Guidance from experts to ensure that you are compliant with the latest HAAD/DHA guidelines
  • Obtain tailor-made insurance covers for both large groups and small businesses
  • Choice from multiple panels of leading global and local Insurers approved by HAAD/DHA
Group Life and Personal Accident
  • Increase your employee retention and productivity by showing your employees that you care for them. A life insurance policy for the employees gives them the reassurance that their families will be provided for in the event of an unfortunate occurrence. Most employers in such situations pay from their funds. However, now for a very low cost, all employees can be insured based on their employment grade, etc.
  • What is more…. the core benefits can be extended to cover Disability benefits as well as other valuable extensions like Critical Illness.
  • Extremely flexible policy structure enables you to select a table of benefits suited to your HR requirements & obligations
  • Compensation limits can be structured in multiple tiers to provide grade related benefits
  • Hassle-free policy administration to reduce HR Department workload
  • Highly competitive prices
  • Fast track claims settlement process

Protection of assets (buildings, inventories, other fixed and movable assets, plant & machinery, projects etc.,) is of paramount importance for the continued stability of any enterprise. These assets are exposed to a number of risks. Different types of insurance policies are available for protection. Our team of professionals will be delighted to structure the right combination of policies to protect your interest.

  • Property All Risk, Fire and Allied Perils, Burglary
  • Business Interruption (Loss of profits following a fire)
  • Political violence, Sabotage & Terrorism
  • Contractor’s All Risk, Erection All Risk
  • Contractor’s Plant & Equipment, Machinery Breakdown, Electronic Equipment, Boiler Explosion
  • Deterioration of stocks, Consequential Loss following Deterioration of Stocks
  • Marine Cargo, Goods in Transit, Stock throughput

It is necessary to protect your financial interests, be it in the nature of cash, market receivables or potential financial losses. A properly structured insurance program by our team after assessment of your exposures in this area can include,

  • Money Insurance – Insurance cover for loss of physical cash in transit or whilst in safe
  • Fidelity Guarantee Insurance - Financial losses due to acts of fraud by employees
  • Credit Insurance – protection against failure of your customers to pay trade credit debts
  • Commercial Crime Insurance – Blanket policy coverage for most kinds of financial losses
Package Policies (for small business and Professional Service organizations)
  • Office Package – This policy covers various risks faced by an office establishment in one single policy.
  • Jeweler’s Block – This is a specialized policy meant for Jewelers and takes care of the various risks to which they are exposed.
  • Banker’s Blanket Bond – If you are a Bank, financial institute, investment manager, or a Money Exchange House, this is the correct insurance policy for you. It is specifically designed to cover risks associated with these business segments. Other Package Policies – We offer similar packages specially designed for specific segments like Hotels, Restaurants, Shops, Spas, Saloons, etc.
  • Covers the Tenant’s / Landlord’s liability.
  • Coverage for specific premises or within the territorial limits defined under the policy.
Product liability
  • Covers your legal liability for loss or damage to Third Party Property and/or death / bodily injury to Third Parties arising out of the use of products.
  • The products could be manufactured, handled, sold, or supplied by you.
    • Comprehensive General Liability
      • A broader form of a Liability Insurance policy covering Public Liability, Product Liability, and Employer’s Liability.
      Workmen's Compensation Insurance and Employer's Liability
      • This insurance policy covers work-related accidents to your employees.
      • The extension is also available to cover non-work-related Accidental Death and Permanent Total Disability.
      • The compensation will be as per UAE Labour Law benefits.
      • The policy can be extended to include Employer's Liability to cover common law liability of the employer towards employees.
      Professional Indemnity
      • Provides indemnity against legal liability for negligent acts, errors, breach of duty, or omission arising out of professional activities.
      • Legal Costs and expenses incurred are also covered.
      • This policy can be taken by firms or professionals rendering professional services like Architects, consultants, Chartered accountants, Engineers, Software companies, Lawyers, etc.
      • This policy can be arranged as an annual policy or for specific projects
      Medical Malpractices
      • This insurance policy is taken by Medical professionals (doctors, nurses, paramedical staff, technicians, etc) and Medical institutions (hospitals, clinics, diagnostic centers, etc).
      • Covers legal liabilities arising out of death, bodily injury, or mental injury to patients due to any errors or omission or negligence during treatment.
      • This policy helps medical professionals to comply with regulatory requirements
      Directors and Officers Liability
      Directors and Officers of organizations can be held liable for alleged wrongful acts while performing their duties. This can lead to financial liability.
      • Directors & Officers Liability Insurance (D&O) indemnifies the directors for financial liabilities due to wrongful acts.
      • The policy can also provide reimbursement to the organization when it is required or permitted by law to indemnify the directors or officers for their losses.
      • This policy can also be extended to cover liabilities due to wrongful Employment practices. This cover is popularly called EPLI (Employment Practices Liability Insurance).
      Transport Related Liability
      • This is for organizations involved in the transport industry like Freight forwarders, Hauliers, transport operators, cargo handling facilities, NVOCC, etc
      • They are exposed to various risks like liability for damage to cargo, errors and omissions, liability to authorities, third party liabilities, etc.
      • We can offer specialized insurance policies to cover such liability risks related to transport and cargo handling.
      • We can arrange for Freight Forwarder’s Liability insurance & Haulier’s Liability Insurance policies.
      • Third-Party Liability & Errors and Omission can be also be added on to the basic cover.
Package Policies (for small business and Professional Service organizations)
  • Office Package – This policy covers various risks faced by an office establishment in one single policy.
  • Jeweler’s Block – This is a specialized policy meant for Jewelers and takes care of the various risks to which they are exposed.
  • Banker’s Blanket Bond – If you are a Bank, financial institute, investment manager, or a Money Exchange House, this is the correct insurance policy for you. It is specifically designed to cover risks associated with these business segments.
  • Other Package Policies – We offer similar packages specially designed for specific segments like Hotels, Restaurants, Shops, Spas, Saloons, etc.
Event-related insurance policies:
  • We can cover you against legal liabilities arising out of organizing an event.
This policy is called Event Liability Insurance.
  • Additionally, if you want to protect yourself against financial losses due to cancellation of the event, we can arrange for an Event Cancellation insurance which indemnifies your financial losses arising out of cancellation due to various specific reasons.
Kidnap & Ransom Insurance:
This policy covers:
  • Ransom and extortion payments as a result of a kidnapping or extortion threat.
  • Loss of the ransom or extortion payment while being delivered.
  • Expense coverage as a result of a ransom or extortion demand which includes fees and expenses of independent negotiators, and travel and accommodation expenses.
Risk Management Consultancy As a part of our Charter of Services and SLA (Service Level Agreements), we can provide consultancy services with respect to your insurable risks. If engaged, we can do the following:-
  • Reviewing your business to identify its overall risk exposures.
  • Identification of insurable risks
  • Review of existing risk control measures and offering comments/recommendations for risk minimization/elimination/transfer.
  • Scrutiny of all existing insurance policies and advising on:
    • Policy Gaps
    • Rationalization of premium and widening of covers
    • Application of suitable clauses, warranties, and conditions
  • Providing guidelines on documentation requirements and procedures for claims under various policies
  • Conduct workshops and training for your employees
  • Regular review meetings and feedbacks

Personal Insurances

Motor
Insurance

Medical
Insurance

Home
insurance

Critical illness insurance

High Value Personal Assets

The value of selecting the right motor insurance is often realized a bit too late after a claim. Allow our professional team to guide you through the often confusing and complex options to select the best type of Motor Insurance suited to your specific needs. Leave the hassles to us so that you can concentrate on the most important thing driving safely.

At Gargash Insurance we take pride in the service and coverage we provide to our motor insurance customers. Whether you are insuring your first car or renewing your existing car insurance, we provide you customized solutions to suit your requirements.

Some of the key features of our motor insurance policies are as follows
  • No claims discount
  • Extended agency repairs up to 5 years*
  • Rent-a-car in case of accidents
  • Natural calamities cover (Storm, Flood and Tempest)
  • Off road cover for 4x4 vehicles*
  • GCC cover and free Oman cover*
  • Personal accident cover for driver and passengers
  • Third party Liability cover up to AED 5 Million
  • No excess for Wind screen damage
  • Accident and Breakdown Cover
  • Protected “No Claims Bonus” available
  • Free car registration facility
  • Comprehensive cover up to 10 years from the date of first registration
  • Easy and Efficient claim settlement (Dedicated Helpline number) and many more….

Our dedicated advisors can assist you in choosing the best cover.

 

With medical insurance being made mandatory in Abu Dhabi and Dubai, all residents need to ensure that they are insured as required by the authorities. The requirements vary and some basic minimum and mandatory policy benefits are specified. Our large team of skilled professionals will be happy to provide the optimum solutions.

  • Products compliant with HAAD (Health Authority of Abu Dhabi) and DHA (Dubai Health Authority) directives Enhanced options with wider benefits tailored to groups or individual family needs
  • Policies from Insurers approved by the Authorities
  • Advice from experts approved and authorized by HAAD/DHA
  • Complete peace of mind in the event of any medical exigencies

With medical insurance being made mandatory in Abu Dhabi and Dubai, all residents need to ensure that they are insured as required by the authorities. The requirements vary and some basic minimum and mandatory policy benefits are specified. Our large team of skilled professionals will be happy to provide the optimum solutions.

  • Products compliant with HAAD (Health Authority of Abu Dhabi) and DHA (Dubai Health Authority) directives
  • Enhanced options with wider benefits tailored to groups or individual family needs
  • Policies from Insurers approved by the Authorities
  • Advice from experts approved and authorized by HAAD/DHA
  • Complete peace of mind in the event of any medical exigencies
  • We can provide Maid Insurance / Dependants & Parents / SMEs Investors.

A home is your precious asset and sometimes curved out of savings of your lifetime. We can offer Home Insurance policies which covers the following:

Standard comprehensive coverage:
Your Building (if you are the owner)
  • Structure
  • Terraces, garages, swimming pools, walls, gates, etc
  • Landlords’ fixtures and fittings, etc
Your Household Contents –
  • Furniture
  • Household goods
  • Electric appliances and other valuables
Your Personal Possessions –
  • Unspecified valuables like expensive jewelry & other personal effects worth up to certain value
  • Specified valuables like clothing, mobile phones, laptops and other personal equipment
  • These are covered whilst at home or whilst outside your home under your possession
  • o Sports equipment, pedal cycles & other accessories
  • It also covers your third party liability as an occupier (tenant or an owner).
  • Can also cover your domestic workers, pets etc.
  • Can be taken on it’s own or as an additional benefit Life Insurance products.
  • Lump-sum amount is paid on diagnosis of certain critical diseases (mentioned in the policy)
  • Helps in easing financial pressure aced by the family.
  • Please also see key man Insurance
We take pride in the service and cover that we provide to our high Net Worth individual clients. The specialized High-value personal assets coverage offers an incredibly broad cover to suit our client’s lifestyle and possessions; be it cars, yachts, homes, arts or painting, jewelry, curios, or other valuables.
  • Ultra-premium Motor Insurance Cover
  • Comprehensive cover for Homes including jewelry, paintings, artworks, etc.,
  • Specially designed coverage for yachts, overseas leaves, etc.
  • What is more, as our policyholder, you will benefit with significant discounts on the costs
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