What limit of indemnity do you need?
Pick the rule that applies to you and enter one number. The tool applies the published rule and nothing else.
The rules and a worked example
| Rule | How the figure is set | Example |
|---|---|---|
| DWTC free zone licence | The rule sets AED 500,000 for up to 19 employees and AED 1,000,000 for 20 or more, for any one occurrence. | 12 employees: AED 500,000. 25 employees: AED 1,000,000. |
| Fit-out at Dubai South (2017 manual) | The manual sets cover of not less than 125% of the fit-out cost for any one incident, unlimited in aggregate. | Fit-out costing AED 400,000: at least AED 500,000. |
| Landlord damage, GIG Gulf Business Secure | The policy covers your liability for damage to the landlord’s premises or contents up to 5% of the limit of indemnity. | Limit of AED 1,000,000: landlord damage up to AED 50,000. |
Other published minimums
| Who it applies to | Minimum |
|---|---|
| DWTC free zone licensee with up to 19 employees | AED 500,000 for any one occurrence, with no limit on the number of occurrences |
| DWTC free zone licensee with 20 or more employees | AED 1,000,000 for any one occurrence, with no limit on the number of occurrences |
| Building works in RAKEZ | Not less than an amount prescribed by RAKEZ, for any occurrence, for 3 years from the Operation Fitness Certificate |
| Contractors on a retail fit-out at Central Park Towers, DIFC | AED 3 million minimum |
| Tenant fit-out contractors at Dubai South | Not less than 125% of the cost of the fit-out works for any one incident, unlimited in aggregate |
What a limit is, and per occurrence against aggregate, is in how much public liability cover you need.
Sources
- Free Zone Rules and Regulations, version 15Dubai World Trade Centre Authority. Rule 10, Insurance. Read 12 November 2026.
- Tenant Fit-Out Manual, version 1.3Dubai South. Dated January 2017. Section 4.6. Read 12 November 2026.
- Business Secure, Beauty and Personal Care policy handbookGIG Gulf. Section 4, Public Liability, and the claims procedure. Read 12 November 2026.
- RAKEZ Authority Operating Rules of 2023Ras Al Khaimah Economic Zone (RAKEZ). Rule 15.1, Construction Insurance. Read 12 November 2026.
- Retail Fitout ManualCentral Park Towers, DIFC. Uploaded January 2024. Read 12 November 2026.