Commercial

Small Business Solutions

Small Business Solutions

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Small Business Solutions

Knowledge First

Small and Medium-sized Enterprises (SMEs) are a key component of every economy. The importance of SMEs as employment generators, innovators, factors in the supply chains of larger enterprises, and important contributors to gross domestic product of any Country especially in the UAE. 

Most of small & medium enterprises build their businesses through blood and sweat but are often prone to disasters like fire and burglary & legal claims which could wash away their sweat in record time. So, it is essential that products offered should add value and are affordable to targeted consumers. 

Keeping that aspects in mind, EIB has the right solution and customize your policy cover to suit & protect your business risks of Assets, Employees & Liabilities in any of the industry categories with the likes of: Retail, Food and Beverages, Offices, Education, Healthcare, Hospitality.

Property / (Fire & Allied Perils): Loss or damage to stocks, furniture, fixtures, fittings and other contents. Also, Loss or damage resulting from theft, including burglary and robbery, or any attempt of the same.

Glass and Signs:  Accidental breakage of glass, as well as the costs of repairing damaged signs or other outdoor fixtures or fittings of the insured property.

Business Interruption: Consequent upon the Damages to Property and the business being interrupted, this covers the resulting financial losses (loss of profits) in the normal business operations.

General Third-Party Public Liability: Any legal liability to pay compensation to third parties for personal injury or property damage.

Workmen Compensation/Employers Liability – Compensation for Work related Injuries and Sickness as per UAE Labour Law 8 of 1980

Money: Loss of money and unpresented cheques while locked in a safe, strong room or drawer on business premises.

Fidelity Guarantee: Loss of money or stocks as a direct result of acts of fraud, theft or dishonesty by an employee in the course of employment

Electronic Equipment: Accidental Loss of or damage to the Electronic equipments as a direct result of Operations, electrical faults, human element and other specified risksPersonal Accident: Loss arising from accidental injury, permanent disablement or death of your employees, including when they are travelling overseas.



  • Alternative Accommodation
  • Loss of Rent
  • Increased Cost of Working
  • Work away / Delivery risks under Liability
  • Neighbours and/or Tenants Liability
  • Food & Drink Poisoning
  • Employers Liability
  • Fidelity Extension under Money

Companies with an annual turnover of less than AED 40 million &/or others have specific insurance requirements from the local authorities/Financial Institutions including of Free Zones.


  • AXA Gulf
  • RSA
  • Tokio Marine
  • Oman Insurance
  • Orient Insurance
  • AIG
  • Other Takaful providers

  • Gradual Deterioration, Normal Wear & Tear
  • Warehousing risks
  • Retail Money exchanges
  • Jewellers & Precious Stones related
  • Product Liability, Recall & Guarantee
  • Trade Losses
  • Political Risks

  • It covers risks related to all aspects of your business under one pack;
  • Competitive pricing and wider terms
  • Ease of administration
  • Complies with any local regulatory requirements
  • Less hassle in terms of claims