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SME Package Insurance from AIG UAE

Flexible multi-line insurance with comprehensive coverage for small and medium-sized businesses

Why Choose AIG for SME Package?

AIG understands that businesses of all sizes have to operate in the real world. Smaller operations are still held to the same standards of management governance, employee welfare and liability as the largest. And they often have to manage these risks with fewer resources and less time to spare on concerns other than those of day to day business.

Each business has its own set of exposures that may derail its operations. Flexible packaged solutions are available for you to choose the product coverage needed and tailor the policy limits and extensions of cover to meet your business requirements.

The AIG Advantage

One Stop Service Portal AIG One

Obtaining terms for clients has never been easier, with just two minutes needed to get a comprehensive quote. Whether it’s generating and amending quotes, binding cover or issuing policy documents, with the technology and ease of doing business at your fingertips, AIG One is here for you.

Pre-underwritten

We empower you to obtain terms quickly and efficiently. With our consistently increasing pre-underwritten limits and simplified journey, you can obtain binding terms with just a few clicks. Whether it’s a small chain of restaurants, or a newly established office, the system is designed to allow you to generate quotes.

All Inclusive

With our industry-based approach, we make sure that our policies cover the risks inherent to the businesses to be insured. Whether it’s Food poisoning for Restaurants, Liability towards students during excursions and athletic activities for schools, or inland transit for retailers, (to name a few!), our policies are designed to automatically cover those risks and activities.

Mutli-line

Our products allow you to package in a single policy all the covers an SME may need, including but not limited to Property, Business Interruption, Liability, Workmen’s Compensation & Inland Transit. Our system allows the flexibility to try various combinations of covers, as well as generating quotes for even single lines, such as stand-alone property or stand-alone liability. We are here to make sure you find the right solution.

Efficient and Timely Service

We pride ourselves in providing a best-in-class service, and with our devoted team of SME experts, all referrals and requests are handled promptly.

Online Claims Notification

We want to make sure all valid claims are paid promptly so that our clients can get back to what they do best and not have to worry about claims settlements. Our online claims registration portal has a dynamic question set which changes depending on the type of incident, ensuring that all the necessary information we need to adjust claims is provided from the get-go.

AIG SME Package Solutions

Protection for medical clinics in the UAE with covers ranging from electronic equipment to public liability and more.

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture.

Our cover automatically extends to cover your portable equipment whether medical or laptops and cellular phones. In addition it offers electronic equipment coverage that protects your investment in high-end sophisticated machines.

Your Profits
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Your Liability
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We will also cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties.

Your Employees
Workmen’s compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

Employee Dishonesty
Covers you against fraud committed by your employees.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement

 

Additional Covers

 

Employee Dishonesty
Covers you against fraud committed by your employees.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement

Covers for educational institutes that protect your property, your faculty, your students and more.

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture.

Your Profits
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Your Students
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We will also cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties. 

We also provide you with cover for food poisoning and incidents that occur during excursions and athletic activities.

Your Faculty
Workmen's compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

We also provide defence for your teachers, school board and other employees against claims of alleged or actual breach of duty, neglect or errors.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement.

 

Additional Covers

 

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

Employee Dishonesty
Covers you against fraud committed by your employees.

Insurance cover that protects your employee and safeguards your business.

 

Key Business Covers

 

Employee Protector offers you Workmen's Compensation cover to provide protection for your employees that suffer an injury or illness at work.

We also provide you, the employer, with the extra protection required including with employer's liability coverage, accidental medical and repatriation expense.

 

Additional Covers

 

We also offer you the opportunity to cover your employees in the event of death and total and permanent disability.

Our extensive Food & Beverage cover will protect your physical assets, your profits, your liabilities and more.

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture.

Your Profits
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Your Liability
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties. Additionally, we also provide you with Food Poisoning liability for coverage at your premises, delivery and catering for external events.

Your Employees
Workmen’s compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

 

Additional Covers

 

Employee Dishonesty
Covers you against fraud committed by your employees.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement.

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

Our office product offers you cover to physical damage and business interruption in addition to liability covers and workmen's compensation.
Furthermore, we can customise your policy to suit your specific business requirement - be it a personal accident, electronic breakdown cover or more.

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture. Your portable and mobile business equipment is automatically covered on a worldwide basis.

Your Profits
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Your Liability
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We will also cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties. 

Your Employees
Workmen’s compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

 

Additional Covers

 

Employee Dishonesty
Covers you against fraud committed by your employees.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement.

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

Providing tailored covers to businesses providing personal care services - such as beauty salons, spas and fitness centres.

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture.

Your Profits
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Your Liability
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We will also cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties. 

We also provide you with cover for injuries arising out of the provision of treatment services.

Your Employees
Workmen’s compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

 

Additional Covers

 

Employee Dishonesty
Covers you against fraud committed by your employees.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement.

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

As an investor it is important to protect your property, your income and to manage costs. Property is susceptible to fire and smoke damage,
flooding, burglary and vandalism and this can result in serious  financial consequences. We offer you coverage for your physical assets, your income and your liability towards third parties.

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture. We also provide you with benefits such as cover for breakage of fixed glass and sprinkler leakage along with many others.

Your Rent
Business continuity cover ensures that you continue to receive your rental income even after an unfortunate event.

Your Liability
Public liability cover protects you against legal liability due to accidental injury to your tenants and other third parties. We also cover your liability following accidental loss or damage to property of your tenants, neighbors and other third parties.

Insurance covers that are suited to businesses in the retail sector

 

Key Business Covers

 

Your Assets
Property all risks cover protects your physical assets including building contents and furniture. Goods in transit cover is automatically included which protects your shipments against damage. We also automatically increase the sums insured of your stock during your two busiest months of the year.

Your Profits
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Your Liability
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We will also cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties. 

Your Employees
Workmen’s compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

 

Additional Covers

 

Employee Dishonesty
Covers you against fraud committed by your employees.

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement.

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

Our SME insurance cover that offers a wide range of flexible covers.

 

Key Business Covers

 

Property All Risks
Property all risks cover protects your physical assets including building contents and furniture.

Business Interruption
Business continuity cover gets your business back on track after an unfortunate event. We will recompense your lost profits and additional costs required to rebuild your business.

Public Liability
Public liability cover protects you against legal liability due to accidental injury to your clients and other third parties. We will also cover your liability for loss following loss or damage to property of your customers, neighbours, landlord and other third parties.

Workmen’s Compensation / Employers Liability
Workmen’s compensation cover provides solace to your employees who suffer an injury or disease during employment. We also provide you with additional protection by including employer’s liability coverage.

 

Additional Covers

 

Employee Dishonesty
Covers you against fraud committed by your employees. 

Personal Accident
Provides that extra coverage for your employees in the event of death or permanent disablement.

Electronic Equipment Breakdown
Covers repair costs, replacement costs as well as extra expense costs as a result of an equipment breakdown.

Managerial Liability
Covers your employees against claims of alleged or actual breach of duty, neglect or errors.

Inland Transit
Protects your shipments against damage resulting from fire, collision or overturning, as well as other incidents that may occur whilst shipping sold items to customers. 

Money
Provides cover for loss or damage to money as part of your daily business activities.

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