This cover can be granted as an extension to Third Party Liability Insurance to protect against legal liability to Third Parties for property damage and/or death/personal injury arising out of defects in the products sold, supplied or manufactured by the Insured.
Professional Indemnity Insurance
This insurance policy covers claims, being first made in writing against the Insured during the Policy period and the Insured becomes legally liable to pay for breach of duty of professional service arising by reason of negligent act, error or omission committed or alleged to have been committed during the policy period (and retroactive period, if any).
At Orient, we offer Professional Indemnity Insurance cover for diverse professions including the following:
Architect and Engineers (Annual and Single project policies)
Lawyers
Accountants
Insurance Brokers
Medical Malpractice Insurance
Medical Malpractice is a Professional Indemnity insurance cover specifically designed for those who are involved in the medical profession such as doctors, nurses, surgeons, technicians etc.
At Orient, we offer Medical Malpractice insurance for individual professionals as well as hospitals / clinics in their corporate capacities.
The policy covers legal liability for Accidental Property Damage of and/or Death/Personal Injuries to Third Parties arising out of operation of the insured business within the Territorial Scope. The policy specifically excludes liability arising out of products being sold, supplied or professional services rendered by the Insured, loss or damage to property belonging to or in the care, custody or control of the Insured, and liability to employees against occupational accidents/injuries.
This Policy can be extended to protect against legal liability to Third Parties for Property Damage and/or Death/Personal Injury arising out of defects in the products being sold, supplied or manufactured by the Insured (Product Liability)
Workmen’s Compensation Insurance is designed to protect the employer against their liabilities to employees in respect of injuries suffered by them in the course of their employment as per Labour Law/Workmen’s Compensation Ordinance. In UAE compensation is governed by Chapter 8 of Federal Law No. 1980.
The main benefits are as follows:
1. Occupational Death
24 months of the worker’s last remuneration before the death subject to a minimum of Dhs.18,000/- and maximum of Dhs.35,000/-
2. Permanent Disability
Percentage of Death benefits as per the specified scale
3. Loss of Wages (cash allowance)
Up to first six months 100% of full salary
Balance six months 50% of full salary
4. Medical Expenses
Incurred at local Government or public medical centres are reimbursable
In addition to basic Workmen’s Compensation cover the employer can protect himself against the claim made by the employee under Common/Sharia Law up to a selected limit of indemnity which generally varies from Dhs.500,000/- to Dhs. 1 million (Employers Liability Insurance).
As an added benefit to employees the Workmen’s Compensation cover can be extended to include accidents occurring within the territorial limits but outside duty hours too in line with the benefits payable under the Labour Law.
For more details on Workmen’s Compensation Insurance, please do not hesitate to e-mail Mr. Rama Korubilli, or call 04-2531336.
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