Business Insurance

​​​​​​​​We offer a comprehensive range of Business Insurance products, delivered with a personal service, to protect your business. ​

Our insurance policy options protect your assets, revenues and liabilities to bring you peace of mind.

We cover

  • Property
  • Liability
  • Marine and aviation
  • Employee benefits
  • Engineering
  • Other


Fire insurance and special perils (including burglary)

This policy covers your properties against loss due to fire, burglary, lightning, explosion, riot, strike, civil commotion, storm, flood, bursting or overflowing of water tanks or pipes, or earthquakes (insured perils). It is important that the property is not undervalued for insurance quotation purposes. If it is, and there is a claim, then the claim will be adjusted against the undervalued amount.

Property all risks

This policy offers wider coverage than a standard fire and special perils insurance. The insurance covers your properties against accidents, physical loss and/or damage. The cover is subject to certain exclusions.

Business interruption

This is a special class of insurance that covers your loss of revenue/profits following damage to the properties covered under your policy. This policy cannot be taken as a stand-alone insurance and has to exist alongside a property insurance policy. Additional cover is available under the policy. This may include cover for standing charges that are incurred during the period of interruption. It may also include the increased cost of labour that may be incurred to revive business operation, such as rental of alternative premises and office equipment.

Marine and aviation

Marine cargo

Cargo logistics and movement can involve risk, particularly when moving highly sensitive goods. Issues that may arise include collision, natural hazards, sinking, piracy and war. Cover can be sought for all cargoes including shipments of high-value or high-risk goods on a warehouse-to-warehouse basis.

Inland transit (goods in transit)

Goods being delivered from a supplier to a customer overland, whether by road or rail, can be covered by an inland transit policy. This is also referred to as ‘goods in transit’ insurance. The cover is very similar to marine cargo insurance.

Marine hull

This covers loss or damage to hull and machinery of a marine vessel. The hull is defined as the structure of the vessel. Machinery is the equipment that generates the power to move the vessel and control the lighting and temperature systems within the vessel such as boiler, engine, cooler and electricity generator. Yachts may also be insured under a marine hull policy. A typical hull and machinery policy also covers 3/4 collision liability.


This policy provides cover for several risk areas in one policy. This includes cover for the hull of an aircraft, liabilities for passengers and cargo, liability to third parties as well as liability coverage whilst an aircraft is taxiing (also referred to as airside liability).


Contractors all risks (CAR)

This policy is specially designed to insure civil works where a major portion of the work does not relate to erection or installation of any plant and machinery. This insurance offers cover in two areas. The first covers any sudden and unforeseen physical loss or damage to the contract works. The second covers the legal liabilities resulting from any third party property damage caused by an accident at the contract site. Cover can be extended to include construction plants and associated machinery, temporary buildings, maintenance periods, off-site storage and related inland transportation.

Erection all risks (EAR)

This policy offers cover similar to CAR with the exception that this cover is specifically designed to insure engineering works, where a major portion of the work relates to the erection or installation of any plant or machinery (e.g. a gas turbine plant). The policy offers cover under two sections, similar to contractors all risk insurance, with additional in-built cover of four weeks' testing period under section one of the policy.

Contractors' plant and machinery

This policy is specially designed to cover your machinery, plant, cranes and other equipment. It is ideally suited for contractors who use construction plants and equipment on-site at their client’s premises. The policy offers cover against any unforeseen and sudden physical loss or damage to the plant and machinery itself. Indemnity is made on new replacement value and therefore must be insured on this basis to avoid under insurance, which will affect the amount paid out in the event of a claim.

Machinery breakdown

This policy offers cover for mechanical and electrical breakdown, subject to certain exclusions. Whilst contractors' plant and machinery insurance covers any sudden, physical accident damage to the machinery, it excludes loss due to mechanical or electrical breakdown. A complete insurance package for plant and machinery would have both covers in place.

Electronic equipment breakdown

This policy is specifically designed for electronic equipment, and offers cover similar to the machinery breakdown insurance. However, this insurance has two additional sections offering cover for external data media under section two (includes cover for expenses related to the reconstruction of that data media following a loss covered under section one) and cover for increased cost of working under section three (additional expenditure for the use of substitute equipment following a loss covered under section one). For a complete insurance package for electronic equipment, it is recommended to insure items under both a property all risks and electronic equipment breakdown policy.


Public liability

This insurance covers legal liability of the insured against any third party, including bodily injury and/or property damage arising from the insured party’s business operations.

Workmen's compensation and employer's liability

This policy protects your business against employee death, bodily injury and illness arising out of work-related exposures in accordance with Qatari labour laws (specifically, articles 59 and 60 of the Qatari labour law). This policy can also be extended to cover employer’s liability as per Sharia law.

Professional indemnity

This policy can protect a business if claims are brought against it by a client due to professional negligence. This cover is suitable for all types of professions.

Products liability

This policy protects your business from claims related to the manufacture or sale of products, food, medicines or other goods to the public. It covers the manufacturer’s or seller’s liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, and, in some instances, a defective design or a failure to warn. The damages awarded in these type of claims include medical costs, compensatory damages, economic damages, and, in some instances, legal fees, costs and punitive damages.

Directors' and officers' liability

A director faces potential legal liabilities on all sides. With the onset of more stringent corporate governance guidelines and increasingly complex legislation, recent years have seen a dramatic rise in the number of claims against directors both as result of shareholder class actions and individual claims. This policy is the most effective way of ensuring a level of protection against the potential costs of a court case or settlement of a claim.

Employee benefits

Group personal accident

This insurance policy provides peace of mind for your employees, helping to avoid difficult and conflicting issues with staff if they are unable to work due to injury. The policy provides cover for accidental death, permanent disablement benefits, temporary disablement and weekly benefits. This cover applies 24-hours a day, worldwide.

Group life

This policy is a benefit given by an employer to an employee. This covers death (all causes). It also features optional cover such as permanent total and permanent partial disability. This cover applies 24 hours a day, worldwide.

Group medical

Under this policy, an employer provides medical insurance to its employees and their immediate family in terms of inpatient and outpatient treatment. Cover is usually on a direct billing basis, with a preferred network of hospitals and clinics. Treatment outside of the network would be on a reimbursement basis. Extra optional cover is usually available to the client. This might include maternity and dental cover.



This provides cover for money when it is being transported by insured parties between the premises and the bank, or on the premises in a safe or locked drawer. It also covers money stored at an employee's or director's home in the event of a burglary and/or other incident.

Fidelity guarantee

This protects a company’s money, securities and assets from criminal activity that might not be covered under a generic property policy. The insurance provides coverage for acts such as employee dishonesty, forgery, embezzlement, fraud and electronic or computer fraud. Cover typically extends to money in transit and worldwide coverage, rather than just on the business property.

We also offer other specialist insurance policies to cover the following areas; trade credit, haulers’ liability, freight forwarders’ liability, tour operators’ liability, stockbrokers’ liability, terrorism, builders’ risk, port operators’ liability and event cancellation.​

To find out more about insurance options tailored to your business, send email to  ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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