Team Safety Always Comes First

Group Personal Accident Insurance in UAE Made Simple

Coverage for Accidents, Disability, and Medical costs so your people feel secure and confident.

Corporate- Employee Benefits

Protecting Your Team, Supporting Their Recovery

At Earnest Insurance Brokers, we understand that your employees are your greatest asset. Our Group Personal Accident Insurance offers financial protection for your team members in the unfortunate event of injury, disability, or death caused solely by an accident. Designed for businesses and organizations in Dubai and across the UAE, this policy ensures peace of mind and security, so your employees can focus on doing what they do best.

Corporate - Employee Benefits

What is Group Personal Accident Insurance?

Group Personal Accident (GPA) Insurance is a comprehensive policy that covers accidental injuries sustained by employees—whether on or off duty. Unlike health insurance, GPA responds specifically to accidental bodily injuries and provides fixed benefits regardless of medical expenses incurred or salary level.

Corporate- Employee Benefits

What Does GPA Insurance Cover?

Your Group Personal Accident policy can include:

Accidental Death: Lump sum compensation to the employee’s family in case of fatal accidents.
Permanent Total Disability: Coverage if the accident results in total and irreversible loss of function.
Permanent Partial Disability: Lump sum based on the percentage of disability (e.g., loss of limbs, vision, or hearing).
Temporary Total Disability: Weekly compensation for lost wages during recovery.
Medical Expenses: Reimbursement of costs for hospitalization, surgery, medication, or ambulance use due to the accident.
Funeral Expenses (optional): Compensation for burial or cremation costs.

These benefits can be customized based on job risk levels, number of employees, and budget—ideal for companies ranging from SMEs to large corporations.

Corporate- Employee Benefits

What’s Not Covered?

While GPA insurance is robust, it does not cover:

Injuries sustained outside the covered age limits

Accidents due to self-harm, suicide attempts, or reckless behavior

Injuries during participation in hazardous or extreme sports

Drug use, unless prescribed and not related to addiction

Injuries resulting from war, civil unrest, or military action

Accidents due to pre-existing physical or mental conditions

Injuries or complications from pregnancy, childbirth, or illness not caused by an accident

Data-related losses or electronic malfunctions (relevant for certain corporate add-ons)

For a full list of excluded activities—like scuba diving, motor racing, mountaineering, or professional sports—our advisors can guide you through risk classifications and coverage options.

Our Reviews

Hear from Our Happy Clients

      EXCELLENT  
   Based on 2520 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Joseph Debattista 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fast and efficient 5 ⭐️
  
 
      Posted on Google  
   
   Betty Au Yeung 
 
 
 
 Trustindex verifies that the original source of the review is Google. I am writing to express my sincere appreciation for the outstanding support provided by Reema Mathew at Earnest Insurance Brokers. Reema went above and beyond to secure a No Claims Certificate for us, demonstrating incredible persistence and professionalism while following up with the insurance company. Her communication was prompt, clear, and proactive throughout the entire process. I highly recommend Reema for her dedication and excellent customer service.
  
 
      Posted on Google  
   
   Ephraem Beniahan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sharanya is very helpful
  
 
      Posted on Google  
   
   Mohammed Salman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you Damin for helping me with the claims for my car. It took some time but im glad the process was smooth.
  
 
      Posted on Google  
   
   shammiraj.s Raj 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience with this insurance company, especially with Ms. Sharanya, who handled my car insurance policy. She was extremely professional, knowledgeable and patient in explaining all the details clearly. She took the time to understand my needs and suggested the best coverage options without any pressure. Her dedication to customer service made the entire process smooth and hassle-free. I truly appreciate her support and would highly recommend her services to anyone looking for reliable insurance assistance.
  
 
      Posted on Google  
   
   Isuru Kathriararchchi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Got insurance for my new car, and the process was quick and hassle-free. Manisha was very helpful and responsive throughout. Highly recommend their services for anyone looking for insurance at a reasonable price
  
 
      Posted on Google  
   
   Kovilikonda Harish 
 
 
 
 Trustindex verifies that the original source of the review is Google. It was a great service thank you, especially sharanya is the best, she helped me a lot
  
 
      Posted on Google  
   
   Tanveer Hussain 
 
 
 
 Trustindex verifies that the original source of the review is Google. My preferred partners for any insurance requirements - motor, health. I have used Earnest services for a decade now. I approached them for motor insurance. Sharanya and Tobin Tomy were quick to address my needs and offer me options. They always manage to get me best rates, prompt service.