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.
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.
Who needs it?
Whether running a small startup, a mid-sized company, or a large enterprise, this coverage ensures financial protection against unforeseen risks.
Safeguard your residential property against potential damages and liabilities, ensuring peace of mind.
Protect personal belongings from unexpected events such as theft, fire, or natural disasters.
Banks, investment firms, and lending institutions benefit from this coverage to mitigate risks associated with property damage, liability claims, and financial losses.
What type of properties are covered ?
This policy applies to a wide range of properties, including:
Offices, warehouses, factories, retail outlets, and garages.
Homes, apartments, and rental properties.
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.
What is not covered ?
EXCLUDED CAUSES:
Excludes coverage for losses arising from cyberattacks, data breaches, and electronic risks, which require separate cyber insurance.
Excludes coverage for losses caused by infectious diseases, pandemics, or virus outbreaks, limiting liability for disease-related disruptions.
Excludes coverage for losses due to government actions, confiscation, nationalization, currency restrictions, or political instability.
Excludes coverage for damages caused by acts of terrorism, sabotage, war, civil unrest, and related violent conflicts.
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?
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.
Hear from Our Happy Clients
Talk to your Trusted Insurance Advisor
- LOCATION : Offices 112 & 113, Al Shafar Investments Building, 3rd Interchange - Sheikh Zayed Road, Dubai, UAE
- TELEPHONE : 800 327 6378
- EMAIL : earnest@earnestins.com