Are your own employees covered by public liability insurance?

Does public liability cover injuries to your staff?

No. Orient’s public liability policy excludes liability to employees for occupational accidents and injuries.¹ United Fidelity’s cover is for death or injury to anyone other than people in your service or your sub-contractors’ service.²

Which cover protects your staff?

Workers’ compensation, and employer’s liability. United Fidelity describes workers’ compensation as cover for medical costs and usually a share of lost wages when an employee is hurt at work.² GIG Gulf’s employer’s liability policy covers your statutory liability as an employer for illness, injury or death caused by workplace conditions and practices.³

Who sells cover for staff?

Each insurer below sells staff cover as a policy separate from public liability. Al Sagr sells workmen’s compensation, which can be extended to employer’s liability covering liability under common law or Sharia law.⁴ ADNIC lists employer’s liability among its corporate liability policies.⁵ GIG Gulf sells employer’s liability, and United Fidelity sells workers’ compensation.³²

Buy the two covers together and ask the insurer to confirm in writing that nobody on your payroll falls between them.

Do free zones require workers’ compensation too?

Yes, in DMCC, DWTC, Jafza and RAKEZ. Each asks for it alongside third-party liability.⁶⁷⁸⁹

What about contractors and freelancers working for you?

Check who covers them. United Fidelity’s public liability wording leaves out people working for your sub-contractors as well as your own staff.² Ask each contractor for its own workers’ compensation certificate before it starts work on your premises.