Does your free zone require public liability insurance?

Which free zones ask for it?

DMCC, Jafza and the DWTC free zone do, for most companies with their own space. RAKEZ asks for it for building works.

What does DMCC ask for?

Third-party liability insurance for every company except those in business centre or flexi desk units, and workers’ compensation for every company with active employees.¹ Business centre offices are exempt whether the centre is run by DMCC or not.² DMCC describes the cover as liability to third parties for accidental injury or damage to property caused in connection with the business.³

You add or update the policy, or buy one, through the “Apply for Insurance” request on the DMCC Member Portal. A company with an invalid policy has its portal account sanctioned until it submits a valid one. A company licence cannot be renewed if its insurance is not active at the time of renewal.¹

What does Jafza ask for?

Third-party liability for offices, plots, warehouses, showrooms and workstations, workers’ compensation for Jafza-sponsored employees, and fire insurance for plots.⁴ You update the policy status through the “Insurance status update” request under License.⁴

What does the DWTC free zone ask for?

Every licensee must hold third-party or public liability insurance for its business operations: AED 500,000 for up to 19 employees and AED 1,000,000 for 20 or more. The limit must apply to each occurrence, with no limit on the number of occurrences. The Authority can revise the figures by notice and can ask for a copy of the policy or certificate.⁵ Workers’ compensation is required as well.⁵

Work out your DWTC figure with the limit calculator.

What does RAKEZ ask for?

Before building works start, public and third party liability insurance for damage to property and for injury or death from the works, at a limit RAKEZ prescribes, for 3 years from the Operation Fitness Certificate.⁶ RAKEZ also requires workers’ compensation for employees.⁶

What if your free zone is not listed here?

Ask its licensing team in writing whether it requires third-party liability insurance and at what limit, before your next renewal.