Schedule of benefits
| SECTION | COVERAGE | COVERAGE LIMIT(AED) | |
|---|---|---|---|
| PLUS | EXTRA | ||
| Property all risks | Contents like Furniture, Fixtures, Decors, and improvements, Repair Equipment | 1,000,000 | 2,000,000 |
| Other contents | 10,000 | 25,000 | |
| Money | Money in transit | 50,000 | 100,000 |
| Money in safe | 50,000 | 100,000 | |
| Money in premises during business hours | 50,000 | 100,000 | |
| Money in employee’s residence | 5,000 | 10,000 | |
| Damage of safe | 2,500 | 5,000 | |
| Fixed Glass/signage | Fixed glass | 5,000 | 5,000 |
| Signage | 5,000 | 5,000 | |
| Business Interruption | Loss of profit | 1,000,000 | 2,000,000 |
| Loss of rent | 100,000 | 200,000 | |
| Increased cost of working | 100,000 | 100,000 | |
| Fidelity Guarantee | Fidelity Guarantee | 25,000 | 50,000 |
| Public Liability | Public liability | 1,000,000 | 2,000,000 |
| Tenant’s liability | 100,000 | 200,000 | |
| Workmen’s compensation/ Employer’s Liability | Workmen’s compensation | As per UAE Labour Law | |
| Employer’s liability | 100,000 | 200,000 | |
| Medical Expenses (per employee per Accident) | 10,000 | 15,000 | |
| Repatriation expenses (per employee per Accident) | 10,000 | 15,000 | |
| Personal Accident | Personal accident for 5 named employees (per employee) | 100,000 | 200,000 |
Policy Excess
| COVERAGE | DEDUCTIBLE (AED) |
|---|---|
| Property including fixed glass and signage damage | 250 |
| Business Interruption | First 72 hours |
| Public liability | 1,500 |
| Workmen’s compensation/Employer’s Liability | First day wages for workmen’s compensation |
| Personal Accident | Nil |
Schedule of benefits
Policy Excess
Schedule of benefits
|
SECTION |
COVERAGE |
COVERAGE LIMIT(AED) |
|||
|
PLUS |
EXTRA |
||||
|
Property All Risks |
Contents like Furniture, Fixtures, Decors, and improvements, Kitchen Equipment Stock Of Food items. |
1,000,000 |
2,000,000 |
||
|
Stock In Freezer |
25,000 |
50,000 |
|||
|
Money |
Money in transit |
50,000 |
100,000 |
||
|
Money in safe |
50,000 |
100,000 |
|||
|
Money in premises during business hours |
50,000 |
100,000 |
|||
|
Money in employee’s residence |
5,000 |
10,000 |
|||
|
Damage of safe |
2,500 |
5,000 |
|||
|
Fixed Glass/signage |
Fixed glass |
5,000 |
5,000 |
||
|
Signage |
5,000 |
5,000 |
|||
|
Business Interruption |
Loss of profit |
1,000,000 |
2,000,000 |
||
|
Loss of rent |
200,000 |
300,000 |
|||
|
Increased cost of working |
100,000 |
100,000 |
|||
|
Fidelity Guarantee |
Fidelity Guarantee |
25,000 |
50,000 |
||
|
Public Liability
|
Public liability |
1,000,000 |
2,000,000 |
||
|
Tenant’s liability |
1,000,000 |
2,000,000 |
|||
|
|
|
|
|||
|
Food and drink Poisoning |
1,000,000 |
2,000,000 |
|||
|
Workmen’s compensation/ Employer’s Liability |
Workmen’s compensation |
As per UAE Labour Law |
|||
|
Employer’s liability |
1,000,000 |
2,000,000 |
|||
|
Medical Expenses (per employee per Accident) |
10,000 |
15,000 |
|||
|
Repatriation expenses (per employee per Accident) |
10,000 |
15,000 |
|||
|
Personal Accident |
Personal accident for 5 named employees (per employee) |
100,000 |
200,000 |
||
Policy Excess
|
COVERAGE |
DEDUCTIBLE (AED) |
|
Property including fixed glass and signage damage |
250 |
|
Business Interruption |
First 72 hours |
|
Public liability |
1,500 |
|
Workmen’s compensation/ Employer’s Liability |
First day wages for workmen’s compensation |
|
Personal Accident |
Nil |
Schedule of benefits
|
SECTION |
COVERAGE |
COVERAGE LIMIT(AED) |
|||
|
PLUS |
EXTRA |
||||
|
Property All Risks |
Contents like Furniture, Fixtures, Decors, and improvements, office Equipment |
500,000 |
1,000,000 |
||
|
Portable/Mobile Equipment |
50,000 |
100,000 |
|||
|
Other contents |
10,000 |
25,000 |
|||
|
Money |
Money in transit |
50,000 |
100,000 |
||
|
Money in safe |
50,000 |
100,000 |
|||
|
Money in premises during business hours |
50,000 |
100,000 |
|||
|
Money in employee’s residence |
5,000 |
10,000 |
|||
|
Damage of safe |
2,500 |
5,000 |
|||
|
Fixed Glass/signage |
Fixed glass |
5,000 |
5,000 |
||
|
Signage |
5,000 |
5,000 |
|||
|
Business Interruption |
Loss of profit |
500,000 |
1,000,000 |
||
|
Loss of rent |
200,000 |
300,000 |
|||
|
Increased cost of working |
100,000 |
100,000 |
|||
|
Fidelity Guarantee |
Fidelity Guarantee |
25,000 |
50,000 |
||
|
Public liability |
Public liability |
1,000,000 |
2,000,000 |
||
|
Tenant’s liability |
1,000,000 |
2,000,000 |
|||
|
Non Manual overseas business trips |
1,000,000 |
2,000,000 |
|||
|
Food and Drink poisoning |
500,000 |
1,000,000 |
|||
|
Workmen’s compensation/ Employer’s Liability |
Workmen’s compensation |
As per UAE Labour Law |
|||
|
Employer’s liability |
1,000,000 |
2,000,000 |
|||
|
Medical Expenses (per employee per Accident) |
10,000 |
15,000 |
|||
|
Repatriation expenses (per employee per Accident) |
10,000 |
15,000 |
|||
|
Personal Accident |
Personal accident for 5 named employees (per employee) |
100,000 |
200,000 |
||
Policy Excess
|
COVERAGE |
DEDUCTIBLE(AED) |
|
Property including fixed glass and signage damage |
250 |
|
Business Interruption |
First 72 hours |
|
Public liability |
1,500 |
|
Workmen’s compensation/ Employer’s Liability |
First day wages for workmen’s compensation |
|
Personal Accident |
Nil |
Schedule of benefits
|
SECTION |
COVERAGE |
COVERAGE LIMIT (AED) |
||||
|
BASIC |
PLUS |
EXTRA |
||||
|
Property All Risks |
Contents like Furniture, Fixtures, Decors and Improvement, Equipment, Retail Stock |
1,000,000 |
2,000,000 |
3,000,000 |
||
|
Other Contents |
10,000 |
25,000 |
50,000 |
|||
|
Money |
Money in Transit |
50,000 |
100,000 |
250,000 |
||
|
Money in safe |
50,000 |
100,000 |
250,000 |
|||
|
Money in Premises during business hours |
50,000 |
100,000 |
250,000 |
|||
|
Money in Employee’s Residence |
5,000 |
10,000 |
25,000 |
|||
|
Damage to Safe |
2,500 |
5,000 |
10,000 |
|||
|
Fixed Glass/Signage |
Fixed Glass |
5,000 |
5,000 |
5,000 |
||
|
Signage |
5,000 |
5,000 |
5,000 |
|||
|
Business Interruption |
Loss of Profit |
1,000,000 |
2,000,000 |
3,000,000 |
||
|
Loss of Rent |
100,000 |
200,000 |
300,000 |
|||
|
Increased Cost of Working |
100,000 |
100,000 |
100,000 |
|||
|
Fidelity Guarantee |
Fidelity Guarantee |
25,000 |
50,000 |
100,000 |
||
|
Public liability |
Public Liability |
1,000,000 |
2,000,000 |
3,000,000 |
||
|
Tenant’s Liability |
1,000,000 |
2,000,000 |
3,000,000 |
|||
|
Non Manual overseas business trips |
1,000,000 |
2,000,000 |
3,000,000 |
|||
|
Workmen’s Compensation/Employer’s Liability |
Workmen’s Compensation |
As Per U.A.E Labor Law |
||||
|
Employers Liability |
1,000,000 |
2,000,000 |
3,000,000 |
|||
|
Medical Expenses (per employee, per accident) |
10,000 |
15,000 |
15,000 |
|||
|
Repatriation Expenses (per employee, per accident) |
10,000 |
15,000 |
15,000 |
|||
|
Personal Accident |
Personal Accident for 5 named employees (per employee) |
100,000 |
200,000 |
200,000 |
||
Policy Excess
|
COVERAGE |
DEDUCTIBLE(AED) |
|
Property including fixed glass and signage damage |
250 |
|
Business Interruption |
First 72 hours |
|
Public liability |
1,500 |
|
Workmen’s compensation/ Employer’s Liability |
First day wages for workmen’s compensation |
|
Personal Accident |
Nil |
Schedule of benefits
|
SECTION |
COVERAGE |
COVERAGE LIMIT(AED) |
||||
|
PLUS |
EXTRA |
|||||
|
Property all risks |
Contents like Furniture, Fixtures, Decors, and improvements, Training Equipment. |
1,000,000 |
2,000,000 |
|||
|
Portable/Mobile Equipment |
50,000 |
100,000 |
||||
|
Other contents |
10,000 |
25,000 |
||||
|
Money |
Money in transit |
50,000 |
100,000 |
|||
|
Money in safe |
50,000 |
100,000 |
||||
|
Money in premises during business hours |
50,000 |
100,000 |
||||
|
Money in employee’s residence |
5,000 |
10,000 |
||||
|
Damage of safe |
2,500 |
5,000 |
||||
|
Fixed Glass/signage |
Fixed glass |
5,000 |
5,000 |
|||
|
Signage |
5,000 |
5,000 |
||||
|
Business Interruption |
Loss of profit |
1,000,000 |
2,000,000 |
|||
|
Loss of rent |
200,000 |
300,000 |
||||
|
Increased cost of working |
100,000 |
100,000 |
||||
|
Fidelity Guarantee |
Fidelity Guarantee |
25,000 |
50,000 |
|||
|
Public Liability
|
Public liability |
1,000,000 |
2,000,000 |
|||
|
Tenant’s liability |
1,000,000 |
2,000,000 |
||||
|
Indemnity to pupil |
1,000,000 |
2,000,000 |
||||
|
Workmen’s compensation/ Employer’s Liability |
Workmen’s compensation |
As per UAE Labour Law |
||||
|
Employer’s liability |
1,000,000 |
2,000,000 |
||||
|
Medical Expenses (per employee per Accident) |
10,000 |
15,000 |
||||
|
Repatriation expenses (per employee per Accident) |
10,000 |
15,000 |
||||
|
Personal Accident |
Personal accident for 5 named employees (per employee) |
100,000 |
200,000 |
|||
|
|
Personal Accident for students(per student)
|
25,000
|
50,000
|
|||
|
Personal Accident for students(per event)
|
1,000,000 |
2,000,000 |
||||
Policy Excess
|
COVERAGE |
DEDUCTIBLE (AED) |
|
Property including fixed glass and signage damage |
250 |
|
Business Interruption |
First 72 hours |
|
Public liability |
1,500 |
|
Workmen’s compensation/ Employer’s Liability |
First day wages for workmen’s compensation |
|
Personal Accident |
Nil |