“Al Himayah” is proud to offer its services through a highly qualified and experienced team that offers:
- Comprehensive Understanding of Local and International Markets
- Extensive Experience in UAE and the Region’s Laws and Regulations
- A Consumer-Oriented Approach that focuses on Delivering Personalized and Bespoke Solutions to Business Partners.
Protected workforces are able to focus and dedicate themselves to work. By adding the proper Medical Insurance tailor made to fit your requirements as part of your employee benefits, you distinguish yourself among competitors and help increase your team’s loyalty. By complying with the UAE Medical Insurance Law, you are not only helping your workers protect themselves and their families you are also making sure this is reflecting positively on your business operations.
While there can be numerous healthcare insurance options to choose from, “Al Himayah” assists you in selecting the best insurance solutions that fit both, your aspirations and your budget, as we help you customize the perfect policy that meets your organization needs, and shields your employees from uncalculated costs. Our strong network of insurance partners enables us to a wide range of solutions. And with our technology based claim follow up system, all the claims can be tracked 24 hours a day.
We help you select the programs according to your group needs according to what geographical area of coverage you want and which policy conditions and benefits you prefer. The Group Health Care plan offers flexible coverage, where you will receive incomparable personalized and human service from management and staff support, which also helps build long-term partnerships between Himayah and its valued clients.
A Corporate Life insurance Policy compensates a company’s employees faced with unfortunate Death, and/or Disability. Other additional features can be added to the cover to render it complete, such as Investment and Retirement. Such cover usually requested by a company owner to motivate his staff and provide them with an additional employment benefit to strengthen company loyalty and commitment.
Danger does not only threaten your employees during their working hours, it can also be equally foreshadowing outside as well. Injuries, disabilities, and even fatalities are all ruthless risks that could disrupt your employees’ lives. Help your employees protect their families through “Al Himayah’s” customizable group personal accidents packages and offer them the financial compensation that would reduce their burdens in unfortunate events. Our consultants will discuss your specific requirements and offer you the best solutions that will protect your team while considering the financial consequences associated with that.
No one can neglect planning for the future, especially employees with limited incomes. Retirement planning takes a major chunk of everyone’s mind, thus contributing employees plan for his or her retirement will concentrate his or her efforts and redirect it to work. “Al Himayah’s” strong network of insurance partners enables us to offer the pension solutions that best meet your requirements and help you secure a better future for your team. We offer you flexible plans that cater to different scenarios, presenting you with practical solutions that best suit your organization’s aspirations and budget.
Extend your employees benefits by offering them peace of mind from the unforeseen; offer them a policy that covers them against Critical Illnesses. This policy provides a lump sum cash payment upon their diagnosis with one of the critical illnesses listed in the policy with a select number of specific covered diseases; this cash payment will help them solve the financial repercussions on their lives and their loved ones.
Protect your employees’ and their passengers’ safety by choosing the right motor insurance policy that best suits your specific business requirements. We guide you in understanding your needs and requirements and assist you in comprehensive solutions that protect you best. Allow “Al Himayah’s” expert team to guide you through the different options to help you choose the plan that offers you both protection to your vehicle and protection to your income.
Our Motor Fleet policy can cover:
Fire and Allied Perils policy, cover material damage to your property resulting from a fire or accident as well as a wide range of optional Hazards. At “Al Himayah” we help you choose whatever covers might apply to your type of exposure from any of the following sections:
As an extension to the Fire & Allied Perils policy, this Burglary covers the loss or damage of your property following Theft using forcible entry. Other forms of Theft are also available such as Hold-up and Theft without forcible entry.
Cash In Transit:
For all institutions that have Cash Transactions or Transportation (cash collecting from clients or transport of funds), this policy covers the risk of loss of cash in transit due to: road accidents, theft, hold-up, and even due to health impairments. However, it does not apply if the loss of money is unexplainable.
Cash in Safe:
This policy covers the risk of the loss of any type of cash, coins, checks, travelers’ checks, and other currencies and bonds against fire and burglary, whilst being locked in the insured’s safe. The cover is also extended to the damage of the safe itself. In addition, Hold-up can be added to the cover.
With Fidelity Guarantee policy, we cover you against loss of money or other property caused by fraudulent or dishonest acts of an employee against your company, with the intent to make improper personal gain.
The Workmen Compensation policy covers employees of any enterprise against work related accidents. Similar to a Personal Accident Policy in its coverage (Death, Permanent Disability, Medical Reimbursement and Temporary Disability), this policy provides the laborer with the advantage of an Open Limit on medical fees.
When working in an increasingly complex and global marketplace, the legal pursuit risks facing business owners and contractors are high.
To help cope with the latter, liability insurance policy protects against legal liability risks related to a profession’s malpractice and negligence excluding intentional damage and contractual liabilities risks.
This type of cover actuality embraces the cost of all legal, moral and physical damage for which the insured might be responsible for if found legally liable.
Covers any liability that might be imposed on you as an employer if an employee is injured in the course of his or her employment.
General liability insurance covers claims of bodily injury or other physical injury or property damage.
Frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business.
Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.
Using technology can come with a cost, and the cost of cyber liability could prove to be the highest. At an age where the growth of online businesses knows no limit, the risks associated with such activities have been rising equally. Insure your business from the data breach-related expenses such as hacking your servers, your mobile switchboards or emails and computers and protect your business from risking unexpected costs that could start with repairing the damage and covering the law suit expenses, and could as well extended to the cost of repairing your company’s reputation. “Al Himayah’s” consultants can guide you through the different cyber liability solutions, and advise you on the best options that suit your business needs.
When you are in one of the following professions: Architect, Quantity Surveyor, Home Inspector, Lawyer, Physician and Accountant you will need a policy to cover you against potential negligence claims made. Our policies can be tailored to your needs and scope of business to cover you against claims of mal practice, and financial loss due to error or omission of the products or services sold.
Talk to our “Al Himayah” team to discuss what best fits your need and ask for an offer today.
Cover your Directors and officers from any costs that can be incurred as a result of legal actions brought forward against them for alleged wrongful acts in their capacity as directors and officers. Make sure their defense costs against civil or criminal actions are covered with our D&O coverage policy.
Contractors All Risks insurance policy is the perfect cover for all kinds of construction projects such as buildings, roads, bridges, etc.
“Al Himayah” helps you get a CAR policy that covers you against any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, to the project's property specified in the policy schedule. It also indemnifies you in respect of your legal liability toward third parties for accidental bodily injury and/or Accidental loss of or damage to property belonging to third parties occurring in connection with the construction works.
This policy also, more specifically, covers all losses arising out of faulty material and/or faulty workmanship, and lack of skill and negligence. It is an All Risks Policy that covers hazards such as Fire, Lightning, Explosion, Earthquake, Tsunami, Storm, Tempest, Flood, Inundation, Rain Water, Theft, Burglary and Physical Damage of any sort.
Erection All Risks insurance policy concerns all kinds of erection projects such as machineries erection, and heavy equipment installation process extended to include testing. This policy covers you against any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, to the project's property specified in the policy schedule. In addition, it indemnifies the insured toward third parties for accidental bodily injury or illness and / or Accidental loss of or damage to property belonging to third parties occurring in connection with the erection works.
Machinery Breakdown insurance policy covers your machineries against any unforeseen and sudden physical loss or damage from causes such as defects in casting and material, faulty design, faults at workshop or in erection, bad workmanship, lack of skill, carelessness, shortage of water in boilers, physical explosion, tearing apart on account of centrifugal force, short circuit, storm, or from any other cause not specifically excluded.
Machinery Breakdown Insurance policy indemnifies you against the amount of loss resulting from the interruption or interference of any machinery described in the list of machinery and plant insured in consequence of an accident. The cover provided under this Policy shall be limited to loss of gross profit due to reduction in turnover and increase in cost of working, and the amount payable as indemnity hereunder shall be:
In respect of reduction in turnover: the sum produced by applying the rate of gross profit to the amount by which the turnover during the indemnity period, in consequence of the accident, falls short of the standard turnover.
In respect of increase in cost of working: the additional expenditure incurred to avoid or diminish the importance of the accident and its consequences.
“Al Himayah” helps you get Contractors Plant & Machinery Insurance policy to cover your need for any unforeseen and sudden loss or damage in your onsite construction Machinery and any other heavy equipment.
Given the UAE’s position as the business hub linking all sides of the globe together, much of its business takes place at sea. To cater to the needs of individuals and companies in the marine transportation industry, we offer a series of marine insurance services.
At “Al Himayah”, we help you to customize our marine policies to cover all your shipments at sea, air or land, including cargo, yachts and leisure boats.
With Cargo Insurance, all your shipments are safe and covered against perils or risks while in transport be it by air or by land. We not only work to minimize transportation-related risks, but also assist you to get marine and air insurance to cover all your shipments against loss or damage.
Our well-trained team can offer you different types of coverage policies tailored to your need and depending on the nature of the goods, the destination and the packaging. Policies can cover your Cargo Vessels, Yachts, and Leisure Boats in different parts of the world.
Our team can also help you by tailoring insurance that covers Cargo Vessels, Yachts, and Leisure Boats. With our strong relations with most of the insurance companies we can offer you coverage for vessels & other crafts that is extended geographically to different areas of the world.
When organizing an event, be it a social, business or community event, and with the pressure of planning involved to achieve success, the least of your worries should be the possibility of accidents occurring. Events such as weddings, conventions, or any gathering involving large numbers of people are vulnerable to uncontrolled circumstances that could disrupt or even cause sever accidents. Protects yourself from the risks associated with big gatherings and seek “Al Himayah’s” consultants’ help in designing the right insurance solution that would protect you and your event from unexpected damages, lawsuits, injuries and claims.
You don’t have to worry any more from the loss of income due to your business closure after suffering a disaster. With our business interruption insurance we got you covered. This business interruption insurance policy covers the profits you would have earned had your business continued prior to its closure due to the disaster.
As a business, you are definitely seeking a way to protect your accounts receivable from loss due to credit risks such as protracted default, insolvency or bankruptcy. With our Credit insurance policy, we offer you this peace of mind, this policy is a type of property and casualty insurance that you obtain to protect against the risk of loss of income.