What is the statutory death benefit under UAE Labour Law?

24 times basic monthly wage to legal heirs (minimum AED 18,000 in domestic worker context. Private sector pays actual 24 times wage).

Is permanent disability compensated?

Yes. Lump sum equal to PTD (24 times wage) for 100 percent disability. Partial disability paid as percentage per schedule of injuries.

Is repatriation of remains covered?

Yes. Repatriation to the home country including embalming, coffin and air transport is included as standard.

Does WC cover pre-existing conditions?

Only aggravation caused by work. Independent pre-existing illness is not covered.

Federal law requires compulsory cover. Self-insurance only permitted for very large groups via captive arrangements (rare in UAE SME market).

How long does claim settlement take?

5 to 21 working days for medical reimbursement. Disability assessed by medical board (30 to 90 days). Death claims paid to heirs with probate (30 to 60 days).

Does WC cover working in other GCC countries?

Yes. GCC territorial extension (Saudi, Kuwait, Bahrain, Oman, Qatar). Declare overseas postings.

Is terrorism or war covered?

Standard exclusion. Add terrorism extension for AED 15 to AED 40 per employee per year depending on sector.

Must the employer provide PPE for WC validity?

Yes. Failure to provide PPE is negligence that can trigger an Employer Liability claim in addition to WC. Makes EL essential.

Can I get one policy for 2,000 plus employees?

Yes. Large group WC policies handle up to unlimited headcount with monthly payroll declarations and annual adjustment.

UAE Statutory Cover

Workmen Compensation Insurance UAE 2026 from AED 65 per Employee

Q: Is workmen compensation mandatory in UAE?

Yes. Under Federal Decree-Law 33 of 2021 Labour Law. Every employer must provide WC irrespective of fault for work-related injury, disability or death.

Q: What is the cheapest WC in Dubai 2026?

AED 65 per employee per year for office staff (Class I). Construction (Class IV): AED 850 per employee.

Q: Does WC cover accidents at home (off-duty)?

Standard WC is work-related only. Add the 24 hour extension for coverage outside working hours (ideal for labour camps).

Q: Are domestic workers covered?

Domestic workers fall under separate Federal Law 9 of 2022 (Domestic Workers Law). eSanad offers WC for drivers, maids, gardeners and nannies from AED 120 per worker per year.

Q: Can sub-contractors be included?

Yes. Declare contracted labour with a specific extension. Principal liability is covered via Employer Liability endorsement.

UAE Statutory Cover for Work-Related Injury, Disability and Death. From AED 65 per Employee. UAE Federal Decree-Law 33 of 2021 (Labour Law) with 2025 amendments mandates employer compensation for work-related incidents, irrespective of fault. Workmen Compensation combined with Employer Liability transfers the obligation to an insurer.

35+

Partners

1.5 M+

Customers

1.5 M+

Policies

Get WC Quote and Upload Employee Census

Proposer's Full Name

Proposer Emirates

Phone

Name of Company

Proposer's Business Address

Business Activity

No of Employees

Policy Type

City

Inception Date

Proposer's Remarks

Do you have an existing eSanad policy due for renewal?

Yes

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

Workmen's Compensation Insurance UAE | Statutory Labour Cover

Compare and bind Workmen's Compensation Insurance in the UAE. Statutory cover for work-related injury, disability, and death. MOHRE and DOL compliant policies from 35+ top insurers.

Workmen Compensation Insurance UAE 2026 from AED 65 per Employee

UAE Statutory Cover for Work-Related Injury, Disability and Death. From AED 65 per Employee.

37Insurers Compared

AED 65Starting Rate

1.5M+Customer Base

UAE Federal Decree-Law 33 of 2021 (Labour Law) with 2025 amendments mandates employer compensation for work-related incidents, irrespective of fault. Workmen Compensation combined with Employer Liability transfers the obligation to an insurer, protecting your business from sudden financial liability. eSanad is licensed by the Central Bank of the UAE (Licence 273) and registered with the Dubai Health Authority (BRK-0017).

2026 Pricing Snapshot: WC Rates by Risk Class

Class	Profession	AED per Employee/Year
I	Office administrative	65
II	Retail, hospitality floor	185
III	Drivers, warehouse, security	280
IV	Construction labour, scaffolder	850
V	Steel erector, electrician at height	1,200
VI	Oilfield workers, divers, offshore	1,800
VII	Emergency services, mining	2,400

Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.

Why This Matters in the UAE

UAE Labour Law is strict liability for employers on work-related injury, disability and death. Non-compliance triggers fines of AED 5,000 to AED 50,000 per violation, business suspension for repeat violations, and personal exposure for directors. Workmen Compensation transfers the statutory cost to an insurer, while Employer Liability (EL) extends cover to common-law claims (where an injured employee sues above statutory amounts) and third-party over-recovery.

eSanad partners with Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna and ADNIC to provide specialized WC for office, retail, hospitality, logistics, construction, manufacturing, offshore and oil and gas employers across all seven emirates.

The eSanad Advantage for WC

Broadest Market Access: 35 UAE insurers on a single quote screen. 90-second issuance for Class I office staff via UAE Pass.
Flexible Methods: Census uploader for SMEs and Wage Roll method for larger employers.
High EL Limits: Employer Liability bolt-on available up to AED 100M per event.
24-Hour Extension: Covers off-duty incidents, which is ideal for employees in company-provided labour accommodation.
Specialized Endorsements: Occupational disease extension (silicosis, hearing loss, chemical exposure).
Digital Integration: WPS-linked premium financing and Sanad Club corporate rewards.

Workmen Compensation Coverage (UAE Labour Law Schedule)

Medical Expenses: Full coverage for hospitalisation, surgery, medication, and rehab until recovery.
Temporary Disability: 100 percent wage replacement for the first 6 months, 50 percent for the next 6 months.
Permanent Total Disability (PTD): Lump sum equal to 24 times the monthly wage.
Permanent Partial Disability: Percentage of the PTD amount as per the official schedule of injuries.
Death Benefit: 24 times the monthly wage paid to legal heirs (minimum AED 18,000).
Mortal Remains Repatriation: Covering embalming, coffin, and air transport to the home country.
End of Service Benefits (EOSB): Gratuity paid to heirs in the event of death.
Funeral Expenses: Statutory coverage between AED 5,000 and AED 10,000.

Employer Liability (EL): Why Add It

Workmen's Compensation covers statutory amounts only. Employer Liability is essential to protect against:

Common law claims (where an injured employee sues for higher than statutory limits).
Third-party over-recovery (e.g., an injured contractor suing the principal).
Legal defence costs and representation fees.
Injury to contracted labour supplied by manpower agencies.

UAE Labour Law: Employer Obligations 2026

Provide a written contract registered with MOHRE or the relevant Department of Labour (DOL).
Maintain both mandatory Health Insurance and Workmen's Compensation (Federal Law 33 of 2021).
Report all work injuries to MOHRE within 48 hours and fatalities immediately.
Ensure all safety equipment (PPE) meets UAE-approved OHS standards (DM or ADM codes).
Failure to comply triggers penalties from AED 5,000 to AED 50,000 per violation.

Comparison Table: WC vs Health vs Personal Accident

Aspect	Workmen Comp	Health Insurance	Personal Accident
Trigger	Work-related injury	Any medical need/illness	Any accident (24/7)
Who Pays	Employer (Mandatory)	Employer (Mandatory)	Voluntary
Legal Basis	Labour Law 33/2021	DHA / DOH / MOHAP	Voluntary Contract
Wage Replacement	Yes	No	Optional Add-on
EOSB on Death	Yes	No	No

All three are complementary; a robust HR strategy includes WC, Health, and Group Personal Accident.

Trust & Expertise

Experience: Specialized WC placements for listed contractors, oilfield operators, and SMEs since 2010.

Authority: CBUAE Licence 273. MOHRE and DOL aligned insurance wording.

Broker Tips for Employers

Tip 1: Always add Employer Liability. WC covers statutory limits only. EL protects your balance sheet from massive common-law lawsuits.
Tip 2: Buy 24-Hour Cover. Labour camps are high-risk for off-duty injuries. This extension protects both the employer and the worker.
Tip 3: Declare Occupational Diseases. Ensure silicosis, hearing loss, and repetitive strain injuries are insured through a specific endorsement.

Customer Success Outcomes

Employer	Industry	Outcome
Office SME (40 staff)	Professional Services	AED 65 per employee (Class I).
Logistics Firm (220 staff)	Warehousing	Class III at AED 280 per employee.
Construction Contractor	Civil Works	Class IV at AED 850 per labourer plus EL.
Offshore Operator	Oil & Gas	Class VI at AED 1,800 per worker.

Frequently Asked Questions

Is workmen compensation mandatory in UAE?

Yes. Under Federal Decree-Law 33 of 2021 (Labour Law), every employer must provide WC irrespective of fault for work-related injury, disability, or death.

What is the cheapest WC in Dubai 2026?

The starting rate is AED 65 per employee per year for office staff (Class I). For higher-risk sectors like construction, it is approximately AED 850.

Does health insurance replace WC?

No. Health insurance covers general medical needs. WC covers statutory obligations like wage replacement and death compensation. Both are legally required.

Does WC cover accidents at home (off-duty)?

Standard WC is work-related only. However, a 24-Hour extension can be added to cover off-duty incidents, which is highly recommended for labour-intensive industries.

Are domestic workers covered?

Yes, under Federal Law 9 of 2022. eSanad offers specialized WC for maids, drivers, and nannies starting from AED 120 per year.

Can sub-contractors be included?

Yes. You can declare contracted labour via a specific extension, ensuring principal liability is covered through the Employer Liability endorsement.

Are occupational diseases covered?

Yes, via an extension. This covers dust (silicosis), chemical exposure, and hearing loss, which is essential for industrial employers.

Does WC cover remote workers?

Yes. WFH injuries can be declared work-related. We ensure your policy wording explicitly includes remote work coverage.

What is the premium basis?

It is either a per-capita rate or a percentage of the annual Wage Roll. The wage roll method involves a year-end adjustment based on actual payroll.

How to pay WC premiums?

Payments can be annual, quarterly, or monthly via eSanad's integrated WPS-linked financing partners.

Explore More Insurance Solutions

UAE Statutory Cover

Workmen Compensation Insurance UAE 2026 from AED 65 per Employee

35+

Partners

1.5 M+

Customers

1.5 M+

Policies

Get WC Quote and Upload Employee Census

Proposer's Full Name

Proposer Emirates

Phone

Name of Company

Proposer's Business Address

Business Activity

No of Employees

Policy Type

City

Inception Date

Proposer's Remarks

Do you have an existing eSanad policy due for renewal?

Yes

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

CBUAE Licence 273

DHA Broker BRK-0017

35+ approved insurer partners (Orient Takaful, Orient, SALAMA, Liva Insurance, Cigna, ADNIC)

35 UAE insurers on one quote screen

1.5M plus customer base

MOHRE and DOL aligned wording

Sanad Club rewards

Workmen's Compensation Insurance UAE | Statutory Labour Cover

Compare and bind Workmen's Compensation Insurance in the UAE. Statutory cover for work-related injury, disability, and death. MOHRE and DOL compliant policies from 35+ top insurers.

Workmen Compensation Insurance UAE 2026 from AED 65 per Employee

UAE Statutory Cover for Work-Related Injury, Disability and Death. From AED 65 per Employee.

37Insurers Compared

AED 65Starting Rate

1.5M+Customer Base

2026 Pricing Snapshot: WC Rates by Risk Class

Class	Profession	AED per Employee/Year
I	Office administrative	65
II	Retail, hospitality floor	185
III	Drivers, warehouse, security	280
IV	Construction labour, scaffolder	850
V	Steel erector, electrician at height	1,200
VI	Oilfield workers, divers, offshore	1,800
VII	Emergency services, mining	2,400

Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.

Why This Matters in the UAE

The eSanad Advantage for WC

Broadest Market Access: 35 UAE insurers on a single quote screen. 90-second issuance for Class I office staff via UAE Pass.
Flexible Methods: Census uploader for SMEs and Wage Roll method for larger employers.
High EL Limits: Employer Liability bolt-on available up to AED 100M per event.
24-Hour Extension: Covers off-duty incidents, which is ideal for employees in company-provided labour accommodation.
Specialized Endorsements: Occupational disease extension (silicosis, hearing loss, chemical exposure).
Digital Integration: WPS-linked premium financing and Sanad Club corporate rewards.

Workmen Compensation Coverage (UAE Labour Law Schedule)

Medical Expenses: Full coverage for hospitalisation, surgery, medication, and rehab until recovery.
Temporary Disability: 100 percent wage replacement for the first 6 months, 50 percent for the next 6 months.
Permanent Total Disability (PTD): Lump sum equal to 24 times the monthly wage.
Permanent Partial Disability: Percentage of the PTD amount as per the official schedule of injuries.
Death Benefit: 24 times the monthly wage paid to legal heirs (minimum AED 18,000).
Mortal Remains Repatriation: Covering embalming, coffin, and air transport to the home country.
End of Service Benefits (EOSB): Gratuity paid to heirs in the event of death.
Funeral Expenses: Statutory coverage between AED 5,000 and AED 10,000.

Employer Liability (EL): Why Add It

Workmen's Compensation covers statutory amounts only. Employer Liability is essential to protect against:

Common law claims (where an injured employee sues for higher than statutory limits).
Third-party over-recovery (e.g., an injured contractor suing the principal).
Legal defence costs and representation fees.
Injury to contracted labour supplied by manpower agencies.

UAE Labour Law: Employer Obligations 2026

Provide a written contract registered with MOHRE or the relevant Department of Labour (DOL).
Maintain both mandatory Health Insurance and Workmen's Compensation (Federal Law 33 of 2021).
Report all work injuries to MOHRE within 48 hours and fatalities immediately.
Ensure all safety equipment (PPE) meets UAE-approved OHS standards (DM or ADM codes).
Failure to comply triggers penalties from AED 5,000 to AED 50,000 per violation.

Comparison Table: WC vs Health vs Personal Accident

Aspect	Workmen Comp	Health Insurance	Personal Accident
Trigger	Work-related injury	Any medical need/illness	Any accident (24/7)
Who Pays	Employer (Mandatory)	Employer (Mandatory)	Voluntary
Legal Basis	Labour Law 33/2021	DHA / DOH / MOHAP	Voluntary Contract
Wage Replacement	Yes	No	Optional Add-on
EOSB on Death	Yes	No	No

All three are complementary; a robust HR strategy includes WC, Health, and Group Personal Accident.

Trust & Expertise

Experience: Specialized WC placements for listed contractors, oilfield operators, and SMEs since 2010.

Authority: CBUAE Licence 273. MOHRE and DOL aligned insurance wording.

Broker Tips for Employers

Tip 1: Always add Employer Liability. WC covers statutory limits only. EL protects your balance sheet from massive common-law lawsuits.
Tip 2: Buy 24-Hour Cover. Labour camps are high-risk for off-duty injuries. This extension protects both the employer and the worker.
Tip 3: Declare Occupational Diseases. Ensure silicosis, hearing loss, and repetitive strain injuries are insured through a specific endorsement.

Customer Success Outcomes

Employer	Industry	Outcome
Office SME (40 staff)	Professional Services	AED 65 per employee (Class I).
Logistics Firm (220 staff)	Warehousing	Class III at AED 280 per employee.
Construction Contractor	Civil Works	Class IV at AED 850 per labourer plus EL.
Offshore Operator	Oil & Gas	Class VI at AED 1,800 per worker.

Frequently Asked Questions

Is workmen compensation mandatory in UAE?

Yes. Under Federal Decree-Law 33 of 2021 (Labour Law), every employer must provide WC irrespective of fault for work-related injury, disability, or death.

What is the cheapest WC in Dubai 2026?

The starting rate is AED 65 per employee per year for office staff (Class I). For higher-risk sectors like construction, it is approximately AED 850.

Does health insurance replace WC?

No. Health insurance covers general medical needs. WC covers statutory obligations like wage replacement and death compensation. Both are legally required.

Does WC cover accidents at home (off-duty)?

Standard WC is work-related only. However, a 24-Hour extension can be added to cover off-duty incidents, which is highly recommended for labour-intensive industries.

Are domestic workers covered?

Yes, under Federal Law 9 of 2022. eSanad offers specialized WC for maids, drivers, and nannies starting from AED 120 per year.

Can sub-contractors be included?

Yes. You can declare contracted labour via a specific extension, ensuring principal liability is covered through the Employer Liability endorsement.

Are occupational diseases covered?

Yes, via an extension. This covers dust (silicosis), chemical exposure, and hearing loss, which is essential for industrial employers.

Does WC cover remote workers?

Yes. WFH injuries can be declared work-related. We ensure your policy wording explicitly includes remote work coverage.

What is the premium basis?

It is either a per-capita rate or a percentage of the annual Wage Roll. The wage roll method involves a year-end adjustment based on actual payroll.

How to pay WC premiums?

Payments can be annual, quarterly, or monthly via eSanad's integrated WPS-linked financing partners.