For comprehensive protection for vehicle fleet owners, Unity Insurance Brokers offers motor insurance covering physical damage, including third-party property damage and bodily injury, with a standalone option for third-party liability only. 

Contractors All Risks

• Safeguard contractors against property damage and third-party liability throughout the project duration.

Erection All Risks

• The insurance covers any loss or damage sustained during the erection or installation of machinery, equipment, or plant.

Deterioration of Stock

• Safeguarding against stock deterioration due to:
• Breakdown of refrigerating machinery and equipment
• Temperature fluctuations
• Unforeseen or sudden refrigerant escape in cold storage rooms

Contractors Plant & Machinery

• This insurance indemnifies accidental physical loss or damage to plant and equipment.

Machinery Breakdown

• Machinery Breakdown insurance protects against unforeseen and sudden loss or damage to insured equipment, covering Electrical and Mechanical Breakdown and Accidental Damage, Extending to internal machinery damage, such as electrical issues, foreign bodies, and more.

Electronic Equipment

• It covers electronic equipment against sudden loss, including physical damage, and can also include loss of external data and media, with an option for worldwide coverage on portable equipment.

Property All Risk Policy  

• Protects against unintentional loss or damage to various property components, including buildings, machinery, inventory, other assets, and associated losses.

Business Interruption  

• Covers the loss of Gross Revenue or Gross Profit due to physical damage to insured assets, including the option to extend coverage for Increased Cost of Working and losses from Denial of Access. 

Hotel Comprehensive 

• Caters to the unique needs of hotel establishments, including Property All Risk, Business Interruption, Machinery Breakdown, Money and Fidelity Guarantee, Public Liability, and Employer’s Liability/Workmen’s Compensation. 

Strata Insurance  

• Strata Packages are designed to cover the physical loss or damage to buildings and common areas, including coverage for public liability, machinery breakdown, board members’ legal liability, workers’ compensation, and fidelity guarantee. 

Terrorism/Political Violence 

Provides coverage against property damage and business interruption caused by various perils such as: 

• Top of Form 
• Terrorism Acts 
• Sabotage 
• Riots, Strikes and/or Civil Commotion 
• Malicious Damage 
• Insurrection, Revolution or Rebellion 
• Mutiny and/or Coup d’Etat 
• War and/or Civil War 
• Counter Insurgency 
• Looting, pilferage, theft, housebreaking following an insured peril (including denial of access) 
• SME Office Comprehensive

A custom-made product catering to the specific requirements of office establishments, covering: 

• Property All Risk (damages to physical assets) 
• Business Interruption 
• Electronic Equipment Insurance 
• Machinery Breakdown 
• Workmen’s Compensation 
• Money and Fidelity Guarantee 
• Third-Party Liability 
• Breakage of Glass 

Jewellers Block 

• Jewellers block insurance, a form of insurance tailored for businesses involved in the trade of valuable items like jewellery, watches, and gemstones, offers protection against various risks such as theft, burglary, robbery, and other hazards. 

Fine Art 

• Fine Art insurance safeguards precious items such as art collections, antiques, contemporary art, old masters, and porcelain pieces from any unforeseen loss or damage during transportation or storage. It also covers for fine art displayed at museums, galleries, and exhibitions.

Professional Indemnity 

This policy protects against legal claims arising from professional service providers’ negligence, errors, or omissions.  

Group Medical Malpractice 

Medical professionals are covered under the policy against actual or alleged negligence and legal defense costs. 

Directors’ & Officers’ Liability 

The policy protects the company’s leaders from claims arising from decisions and actions taken in the course of their duties. 

Bankers’ Blanket Bond 

Tailored for banks, covering employee dishonesty and third-party fraud. 

Cyber Insurance 

Offers financial protection to businesses affected by cybercrime. It includes coverage for cyber liability, ransom demands, disruptions in business operations, and expenses related to engaging expert professionals to handle and minimize the impact of the crisis. 

Money Insurance 

Covers the loss of money in transit carried by authorized employees and cash in the safe at the insured premises. 

Fidelity Guarantee 

Cover losses caused by acts of dishonesty, forgery, embezzlement, larceny, and fraudulent acts committed by insured employees. 

Trade Credit 

Covers defaults on receivables from customers due to insolvency, protracted default, or political risks. 

Workmen’s Compensation

Provides coverage for any work-related illnesses or injuries that occur during employment, encompassing medical costs and lost wages resulting from bodily harm or the employee’s death.

Comprehensive General Liability 

Protects against claims and defense costs arising from third-party bodily injury or property damage.

Group Personal Accident 

Provides coverage for accidental death, bodily injury, and additional benefits around the clock, either within a specified area or globally. Offers compensation to beneficiaries for death or disability resulting from an accident.

• Inbound/Outbound Travel Policy
• Covers travellers to or from the UAE against unfortunate events.

Provides indemnification to employees or their named beneficiaries with an agreed sum of money. Coverage includes:

• • Permanent total or partial disability
  • Critical and terminal illnesses
  • Accidental medical expenses
  • Death due to any cause
  • Repatriation of mortal remains.
  • Passive war and terrorism
  • Disappearance
  • Income protection
  • Pandemic and epidemic coverage

Our expertise lies in providing Employees‏ ‏and ‎their dependents benefits across the UAE, ‎with a focus on securing the best solutions ‎from leading insurers‏ ‏and complying with ‎the Abu Dhabi Department of Health (DOH) and ‎Dubai Health Authority (DHA). Our schemes ‎are designed to be flexible, offering coverage ‎for a range of medical services such as ‎consultations, in-hospital stays, emergency ‎admissions, outpatient visits, prescription ‎medicine, dental care, and optical care. We ‎aim to simplify the medical claims process ‎and ensure comprehensive coverage that ‎caters to various budgets.‎

Employee Benefits Services:

• Insurance claims assistance 24/7.
• Employee onboarding and induction sessions.
• E-books and insurance procedures training.
• Quarterly claims review*.
• Members satisfaction survey.
• Wellness: webinars, wellness health magazines, and patients’ awareness sessions

*subject to group size, terms and conditions apply

Marine Hull & Machinery

Marine Hull and Machinery insurance offers compensation for damage caused to the insured vessel. Additional coverages that come with Marine Hull Insurance include:

• War Risk Insurance and Breach of War Insurance provide coverage against the potential risks associated with war and civil war.
• Loss of Hire/Trade Disruption Insurance
• Kidnap and Ransom insurance.

Marine Cargo

This insurance covers for losses due to physical damage to transported cargo across different modes of transportation like air, sea, road, rail, courier, and personal delivery. A customized comprehensive policy can be provided to safeguard shipments across various transportation methods, including imports, exports, local transactions, intercompany transfers, and temporary storage.

Yacht/Pleasure Craft/Jet Ski

This insurance policy safeguards company-owned yachts, offering coverage for accidental loss or damage during private, pleasure, or commercial use. It also includes coverage for third-party property damage and bodily injury liabilities.

Ship Repairers Liability

This insurance policy is tailored for ship repairers’ liability, safeguarding against negligence that could lead to property loss or damage. It can also be extended to cover pollution, collision, and wreck removal liabilities.

Protection & Indemnity

It protects vessel owners and managers against liabilities related to shipping operations. Primary coverage includes liability for:

• Personal injury, illness, or death of crew members.
• Vessel collision with another ship or any fixed or floating object
• Wreck removal.
• Repatriation
• Cargo damage or loss.
• Civil liabilities resulting from pollution or oil spills, including cleanup expenses.

Builders All Risk

Provides coverage for ships under construction, starting from keel laying through construction and sea trials, and can extend to delivery. It includes protection against physical damage and liability from construction activities, encompassing collision, crew-related issues, pollution, and wreck removal. Builders’ Risk cover is also extendable to include Conversion Projects.

Freight Forwarders Liability

It encompasses the legal responsibilities of a Freight Forwarder / Warehouse Keeper while conducting their business operations. The primary areas covered by this policy include:

• Cargo Liability
• Third-Party Liability
• Fines and duty
• Errors and Omissions

Hauliers Liability        

Encompasses the legal responsibilities of a Road Hauler or Road Transport operator while conducting business operations. The primary areas covered by this policy include: 

• Cargo Liability
• Third-Party Liability
• Fines and duty
• Errors and Omissions

Hull & Liabilities

Comprehensive coverage encompasses safeguarding against losses associated with aircraft usage, which includes physical damage to the aircraft and liability to passengers, third-party, or crew. Similar coverage is also extended to drones where appropriate.

Airside Liability

Covers liabilities stemming from business operations or the insured’s vehicles while operating airside.