Protect Your Workforce with Reliable Workers Compensation Insurance

If the injury prevents the worker from working:

• The employer will provide an allowance equal to the worker's full wage for the entire treatment period or for up to six months, whichever is shorter.
• If the disability persists beyond six months, the allowance will be reduced by half for the subsequent six months or until the worker fully recovers, is declared disabled, or passes away, whichever occurs first.

If an occupational injury or disease leads to the death of a worker, the family members are entitled to compensation. This compensation equals the worker's basic wage for twenty-four months, with a minimum of eighteen thousand Dirhams and a maximum of thirty-five thousand Dirhams.
The family of the deceased worker includes those who relied primarily on the worker's income for their livelihood at the time of death:

• Widow(s)
• Children, encompassing sons under 17 years old, those under 24 years old enrolled in academic institutions, and sons who are physically or mentally unable to support themselves. This definition also includes sons of the deceased worker's husband or wife who are dependents.
• Unmarried daughters, including those of the deceased worker's husband or wife who were dependents.
• The deceased worker's parents.
• Brothers and sisters who meet the criteria outlined for sons and daughters.

Workmen's compensation insurance in the UAE provides a range of benefits for both employees and employers. It covers:

• Compensation for death, injuries, total and partial disabilities
• Medical and rehabilitation expenses
• Loss of salaries or wages during the treatment period

This insurance ensures that employees receive necessary medical care and financial support in the event of work-related injuries or illnesses, while also protecting employers from potential legal liabilities.

In the UAE, the following individuals are eligible to be covered under workmen's compensation insurance:

• Full-Time Employees
• Part-Time Employees
• Temporary and Seasonal Workers
• Contract Workers
• Domestic Workers
• Manual Laborers
• Office Workers
• Employees in Free Zones

The employer or their representative must promptly notify the insurance company, as well as the police and the Labor Department or its branch overseeing the workplace's location. This notification should include the worker's name, age, occupation, address, and nationality, along with a summary of the incident's circumstances and the medical aid or treatment provided.

Several factors influence the rise or fall of workers' compensation insurance premiums, including:

• Industry and Type of Work: One of the most important factors, as industries with higher risk levels increase the insurance premiums.
• Number of Employees: A larger workforce covered by the workers' compensation insurance results in a higher premium.
• Employees' Salaries: Since workers' compensation is based on a percentage of employees' wages or salaries, higher incomes lead to higher premiums.
• Type of Coverage and Extensions: Higher coverage limits and additional extensions added to the policy will increase the premiums.
• Claims History: A history of claims can raise your workers' compensation insurance premiums, as it indicates a higher risk level in your workplace.
• Safety Measures: Implementing safety measures and risk management programs can significantly reduce insurance premiums.

In the UAE, workers' compensation insurance is a critical requirement for a wide range of companies and operators to ensure the safety and financial protection of their employees. Employers in the UAE are obliged to compensate employees for any partial or total disability or death, as well as during the treatment period.
Some types of operators and companies that are obliged to provide workers' compensation insurance include:

• Companies operating in free zones
• Construction companies
• Manufacturing and industrial plants
• Oil and gas companies
• Transportation and logistics companies
• Healthcare providers
• Retail businesses
• Agricultural and farming operations

This type of coverage is a compulsory insurance requirement to operate your business in the UAE. By purchasing workmen's compensation coverage, you comply with UAE Federal Law No. 8 of 1980 and its subsequent amendments. Additionally, this insurance policy protects your employees' financial interests against occupational diseases, permanent or partial disabilities, work-related injuries, and death occurring during their employment.