Office Insurance UAE: Contents, Liability & Cyber 2026
Office Insurance UAE from AED 499/yr. Protect your contents, IT equipment, and liability with plans
from AIG, Chubb, Orient, and Liva. Landlord-compliant certificates for DIFC, DMCC, and ADGM issued in 4
hours.
37Market Partners
AED 499Starting Rate
4 HoursCertificate TAT
Office Insurance (also called Office Package Policy) protects your interior fit-out, IT equipment, stock, and
public liability across UAE co-working seats, mainland offices, and free-zone headquarters. eSanad is a
CBUAE-licensed broker (Licence 273) and DHA-registered (BRK-0017), ensuring your policy meets the strict
requirements of landlords in DIFC, DMCC, JAFZA, and ADGM.
2026 Premium Benchmarks
| Office Type |
Contents (AED) |
Liability (AED) |
From AED / yr |
| Co-working / Hot Desk |
100,000 |
1M |
350 |
| Small Office (1-10 staff) |
250,000 |
1M |
499 |
| SME Office (11-30 staff) |
750,000 |
2M |
1,450 |
| Mid-size Office (31-75 staff) |
2,000,000 |
5M |
3,200 |
| Large HQ (76-200 staff) |
5,000,000 |
10M |
7,500 |
| Enterprise HQ (200+ staff) |
10,000,000+ |
10M+ |
15,000 |
Disclaimer: Premiums indicative for Q1 2026. Free zones may attract 5-15% building discounts.
What’s Covered
- Fire & Perils: Protection for building interior and contents up to AED 10M+.
- Theft & Burglary: Coverage for IT equipment, stock, and money in safe following
forcible entry.
- Water Damage: Protection against burst pipes, overflow, and storm ingress (critical
post-2024 floods).
- Public Liability: AED 1M to AED 10M for third-party injury or property damage within
your premises.
- Portable Equipment: All Risks cover for laptops and tablets anywhere in the GCC.
- Cyber Liability: Optional bolt-on for ransomware, data breach, and UAE PDPL fines.
- Business Interruption: Replaces 6-24 months of lost revenue if an insured event forces
a shutdown.
- Tenant Improvements: Coverage for fit-out, partitions, lighting, and flooring.
Coverage Comparison: AIG vs Chubb vs Orient vs Liva
| Feature |
AIG |
Chubb |
Orient |
Liva |
| Contents SI |
Up to AED 50M |
Up to AED 100M |
Up to AED 25M |
Up to AED 20M |
| Liability Limit |
10M |
10M |
5M |
5M |
| Cyber Bolt-on |
✅ CyberEdge |
✅ Cyber ERM |
✅ Available |
Partial |
| Certificate TAT |
2 hours |
4 hours |
4 hours |
6 hours |
| Typical Premium |
AED 1,580 |
AED 1,650 |
AED 1,450 |
AED 1,490 |
EEAT: Why Trust eSanad for Office Insurance
Experience: Placed office insurance for over 8,000 UAE businesses, from DIFC Gate HQs to
startups in Dtec.
Expertise: CII-qualified commercial team with an average of 10+ years in UAE underwriting.
Broker Tips for Tenants
- Tip 1: Avoid Under-insurance. Always declare new-for-old replacement value at 2026
costs. If you insure for 50% of the true value, the "average clause" will reduce every claim payout by
50%.
- Tip 2: Add Cyber Cover. For approximately AED 1,200/year, you get ransomware protection
and PDPL regulatory fine cover—essential as UAE SME cyber attacks increased in 2025.
- Tip 3: Join Sanad Club. Our free loyalty programme provides priority claims handling
and free annual contents surveys to ensure your sum insured remains accurate.
Frequently Asked Questions
Is office insurance mandatory in the UAE?
While not federally mandatory, most landlords (DIFC, DMCC, ADGM, JAFZA) contractually
require a certificate of insurance. Employer’s Liability is mandatory if you have staff.
Does the policy cover the April 2024 Dubai floods?
Yes. eSanad partners include flood and water ingress perils as standard in 2026 policies.
Always confirm specific wording before binding.
How fast can I get a landlord-compliant certificate?
Usually within 4 working hours of payment. Urgent cases using UAE Pass digital signature
can often be issued in under an hour.
Are laptops covered outside the office?
Yes, if you select the "All Risks Portable Equipment" extension, which covers gadgets
anywhere in the GCC.
Can startups get cover without trading history?
Yes. eSanad onboards new companies immediately with just a trade licence. All our major
partners accept startup risks.
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