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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

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.

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.

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.

Contractor's All Risk, or Construction All Risk insurance, is a type of insurance in Dubai, UAE, designed to protect contractors against construction-related risks, including property damage and third-party liability due to natural disasters, accidents, and labor disputes during the construction period.