No two businesses are alike and we understand this better. Our range of commercial and specialized insurance products offer standard and customized protection to small, medium and large businesses.
Our commercial insurance products safeguard private businesses and public organisations in many sectors. Our areas of expertise include energy, motor, engineering, casualty, property, medical and life, and marine. We also provide expert advice to help organisations prevent, manage and reduce their risks.
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We have strong relationships with companies in the energy sector, and provide tailored protection for many petrochemical, fertiliser, and oil and gas businesses.
- Operational – includes all risks property damage; cost of well control; seepage, pollution, contamination and clean up; third party liability; business interruption losses; cargo insurance; and terrorism insurance.
- Construction – includes physical damage to temporary and permanent facilities; cost of well control, including seepage and pollution; third party liability; damage to surrounding properties; delay in start-up; and cargo insurance.
Our motor insurance for commercial organisations provides tailored packages for road vehicles, such as cars, buses and heavy vehicles. Our cover can also include a range of optional benefits. Together, our motor insurance cover helps keep transport networks running across Qatar and the UAE.
As one of Qatar’s leading providers of insurance for the engineering sector, we cover many different projects. These include large infrastructure projects, roads, buildings, towers and sewage works.
- Contractors All Risks – protects against risks associated with civil works projects, where most of the work doesn’t involve erecting plant and machinery. It can protect against ‘material loss’ or damage, and clearing debris relating to the contract works; and third party liability, protecting against bodily injury or property damage to the public during a specified contract period. The plan also provides defects liability cover.
- Erection All Risks – protects against all risks involved in erecting plant and machinery. The cover can apply to projects of all sizes, from oil refineries to construction sites. The plan also provides defects liability cover.
- Machinery Breakdown – protects against sudden physical loss or damage related to any electrical or mechanical machinery. We reimburse the costs of replacing or repairing machinery, helping businesses get back to work quickly. We can also cover periods of overhauling and maintaining machinery.
- Contractors Plant and Machinery – protects items including – but not limited – to dredgers, bulldozers, cranes and excavators. The insurance covers machinery whether at rest, at work, or being dismantled for cleaning or overhauling.
- Electronic Equipment – mainly covers material damage due to sudden and unforeseen causes, such as operational damage; electrical damage (short circuit, excess voltage or induction); human error (negligence); and manufacturer error.
- Inherent Defect – this ten-year first party property policy covers material damage of newly-constructed property due to defects arising from faulty design, workmanship, or materials; and in-structure load-bearing elements undiscovered at the time of completion.
We provide a comprehensive range of insurance that protects organisations from financial liabilities that might arise in construction, maintenance and daily operations.
- Public Liability (Industrial/Non-Industrial) – protects many business types and industries against claims and accusations from members of the public who suffer an accident as a result of your business activity.
- Product Liability – protects businesses against legal breaches surrounding products; and legal action from anyone facing injury or loss/damage to property as a result of companies’ products.
- Directors and Officers Liability – protects directors, officers and employees from legal action related to claims of ‘wrongful acts’ that result from mistakes.
- Workmen Compensation – protects organisations from the financial cost of legal action and compensation arising from employees’ illness or injury at work.
- Professional Indemnity – protects companies against claims from clients regarding work performed for them. The risks can include negligence (cover against mistakes or incorrect advice provided to clients); intellectual property (unintentional infringement of trademarks or copyright); dishonesty (employee theft from the client); defamation (legal action resulting from material used that can offend or embarrass the client); and loss of data (losing a client’s data or documents).
- Medical Malpractice – protects medical establishments and hospitals from claims of unprofessional conduct by medical staff, where business activity results in claims of bodily injury, mental injury, illness, disease or death.
- Money (Cash-in-Safe/Cash-in-Transit) – protects money carried by a company from theft by employees.
- Fidelity Guarantee – protects against commercial crime that incurs financial loss, relating to the dishonesty of employees and towards their companies.
Our comprehensive range of property insurance includes this cover:
- Fire and Allied Perils – provides comprehensive cover against fire and lightning, aircraft damage, impact damage, and explosions.
- Property All Risks – an extended form of property insurance, covering any unforeseen and accidental physical damage to the insured property, other than those specifically excluded.
- Business Interruption – protects businesses from loss of net trading profit; fixed costs; and an increase in the cost of working. It also provides optional cover for auditor’s fees; supplier and customer premises; and denial of access to the premises.
We give organisations access to medical and life cover for employees, helping them attract and retain talent. Our insurance provides employees with access to trusted medical care, which can reduce the costs of absenteeism and additional resources. Our cover can include the following protection:
- Group Accident – protects employees financially from unforeseen accidents that cause bodily injury or harm, inside and outside the workplace, and on a 24/7 worldwide basis. The cover compensates for accidental death/injury, permanent/temporary disability, medical expenses, and emergency transportation costs.
- Group Medical – protects employees financially, as a result of any injury or illness. The cover compensates for the financial cost of healthcare, including hospital fees and medicines.
We have protected the marine sector from risks since our formation in 1979. Our insurance covers every step of the distribution chains, including goods in transit, storage, and project cargo for specialist shipments. Our plans provide the following protection:
- Marine Cargo – protects one-off and regular shipments for companies that import and export goods using any mode of transport. The cover protects against physical loss or damage of cargo for reasons including – but not limited to – natural disaster, overturning/capsizing of the carrying vessel and, as an extension, war risks.
- Marine Hull – protects organisations from the many varied risks to ships and leisure boats. The insurance covers physical loss or damage, collision (limited liability) or war risks. We can also tailor the product to protect any vessel, from yachts to ocean liners.
Our spectrum of insurance products also includes specialized and tailor-made insurance covers for SMEs to protect their business, assets and employees from risks associated with their operations.
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Quality restaurant insurance is as important to your business as good menus and reviews. However, we know it’s probably the last thing on your mind. So you can trust us to keep things simple. Because we understand your risks and challenges, we’ll create the insurance policy you need, leaving you free to focus on your business.
Since our establishment in 1979, we’ve been committed to insuring schools in Qatar. In this time, we’ve gained a deep understanding of schools’ insurance needs and become experts in the market. You can rely on us to provide a complete insurance package, specially designed for your school.
Grocery stores and supermarkets are vital businesses in Qatar. Everyone in the community uses them to purchase life’s essentials. So, for the benefit of your business and the community, it’s crucial you protect your store with the right insurance. We can offer you quality Supermarket Insurance at an affordable rate.
As a pharmacy owner, you’ll know how important it is to focus on your work without worrying about risks. That’s where our cover comes in. Our experts will provide you with comprehensive insurance that protects your business and gives you peace of mind.
Your business means everything to you. Even the smallest incident can disrupt your work and confidence. So it’s good to know you can rely on us to provide high quality and low cost insurance for your beauty salon. And should you need to claim, we’ll act quickly and help get your business back on track.
No two car show rooms are the same. Neither are our Car Show Room policies. We can tailor your policy to suit your needs, which includes covering the vehicles at your premises.
Commercial offices across Qatar work in many different sectors. But all have one thing in common: they need office insurance. Because when things go wrong, your business can face a costly burden. Our office insurance can free you from that burden, providing comprehensive cover and services at affordable rates.
If you’re looking for jewellery insurance, it’s important to find a policy that meets your needs. And with jewellery so attractive to thieves, it’s vital you protect it with suitable cover. Our specialist Jewellers’ Block policy provides insurance for jewellers’ risks, including retail, wholesale and repairers.
The cover provides full theft protection and covers stock relating to travel, entrustments to third parties, and home risk. You can also add extensions including – but not limited to – exhibitions, fidelity, defective title, buildings, business interruption, personal accident/assault, employer, and public liabilities.
Ask for our ‘All Risks’ insurances which provides comprehensive covers tailored to the needs of each trade.