Total Risk Coverage,
Tailored for Your Property

Best Property All Risk Insurance in UAE

From fire to theft, we have got every risk covered for you.

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Understanding Property All Risk Insurance

Property All Risk Insurance provides broad coverage against unforeseen damages or losses, ensuring financial protection for your valuable assets. This policy safeguards against all risks except those explicitly excluded, offering peace of mind to property owners and businesses alike.

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Who needs it?

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What type of properties are covered ?

This policy applies to a wide range of properties, including:

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What is covered ?

The policy provides coverage against accidental physical loss or damage caused by:

Fire, Lightning & Explosion
Aircraft Damage
Earthquake, Storm & Floods
Strike, Riot & Civil Commotion
Malicious Damage & Impact by Own Vehicles
Bursting or Overflowing of Water Apparatus (Including Sprinkler Damage)
Theft (By Violent Entry or Threat)

With this extensive coverage, Property All Risk Insurance ensures that your property remains financially secure in the face of unexpected events.

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What is not covered ?

EXCLUDED CAUSES:

What to do in the event of a claim?

At Earnest Insurance Brokers, we understand that experiencing a loss can be overwhelming. To ensure a smooth claims process and minimize disruptions to your business, follow these immediate steps:

Prioritize Safety

If the incident involves fire, flooding, or structural damage, ensure the safety of all occupants.
Contact emergency services (fire department, police, or medical assistance) if necessary.

Prevent Further Damage

Take reasonable precautions to prevent additional loss (e.g., switch off utilities, secure damaged areas, or relocate valuables if safe to do so).
Avoid disposing of any damaged property until advised by the insurer.

Notify Us Immediately

Contact Earnest Insurance Brokers as soon as possible to report the incident.
Provide your policy details, location of the incident, and a brief description of the damage.

Document the Loss

Take photographs or videos of the affected property before any repairs or clean-up.
Maintain a list of damaged or stolen items, including invoices, receipts, and proof of ownership.

Submit Your Claim

We will guide you through the claims process and provide you with the necessary claim forms.
Submit all required documents, including repair estimates and supporting evidence of the loss.

Cooperate with the Insurer’s Assessment

A loss adjuster or surveyor may be appointed to inspect the damage and assess the claim.
Provide access to the property and any additional information requested by the insurer.

Stay Updated

We will liaise with the insurer on your behalf and keep you informed of your claim’s progress.
If you have any questions or need assistance, our claims support team is here to help.

Need to File a Claim?

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How can Earnest Help?

Customized Coverage Plans – Tailoring property insurance policies to fit the specific needs of businesses, ensuring protection against fire, natural disasters, theft, and other risks.
Risk Assessment and Prevention – Offering expert insights to identify potential property risks and recommend preventive measures to safeguard assets.
Efficient Claims Support – Assisting clients in the timely and hassle-free filing of property claims to minimize financial loss and business disruption.
Comprehensive Policy Management – Ensuring property coverage evolves with business growth, regulatory changes, and industry requirements.
Cost Optimization – Helping businesses secure competitive property insurance premiums without compromising on coverage quality.

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.