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Save Upto 40% on your Car, Health, Life and Travel with InsuranceHub.ae

Super Easy 3 step process to get your Property All Risk Insurance

Fill out the form Complete the basic form that hardly takes 3 mins of your time.

Get Recommendation After submitting the form we will connect you to one of our Insurance advisors that would recommend you the Most affordable Insurance plan according to your needs.

Our In House experts do that task for you and it hardly takes a couple of minutes ( Depending on your needs ) for them to advise you on the best insurance that fits your needs

Compare and Buy This is the final and most easy step. Choose from the list of recommended products( Our Advisors will also help you out ) and Buy directly.

Property All Risk Insurance in the UAE

Fire, flood, explosion, even accidental damage during routine maintenance—commercial property owners face multiple hazards that can halt operations overnight. Property All Risk Insurance is the broadest form of building cover available, shielding landlords and businesses from sudden and unforeseen physical loss or damage to insured premises.


What Does Property All Risk Insurance Cover?


Covered PerilsTypical Examples
Fire & LightningWarehouse blaze, electrical short-circuit
Accidental DamageCracked glass façade during cleaning
Water DamageBurst sprinkler pipe, storm flooding
Theft & Malicious ActsForced-entry burglary, vandalism
Natural CatastrophesEarthquake, sandstorm, cyclone

Add-ons may include debris removal, architects’ fees, loss minimisation expenses, and automatic cover for newly acquired property.


Who Needs This Policy?


  • Freehold commercial building owners

  • Office and retail landlords

  • Educational institutions and hotels

  • Manufacturing plants and logistics hubs

Mortgage lenders in the UAE often insist on Property Insurance as a loan condition, making it an essential financial safeguard.


Key Benefits at a Glance


  1. All-inclusive wording – Instead of listing what is covered, the policy insures everything except specific exclusions.

  2. Flexible sum insured – Choose reinstatement value, indemnity value, or first-loss basis to match your balance-sheet strategy.

  3. Business continuity – Option to pair with Property Business Interruption Insurance for loss-of-profit protection.

  4. Worldwide reinsurer backing – Many UAE insurers cede large risks to A-rated reinsurers, ensuring claim payments even after catastrophes.

Underwriting Information Required


  • Statement of building usage and occupancy

  • Construction materials and fire protection systems

  • Location hazard score (seismic, flood, proximity to high-risk sites)

  • Five-year loss history and risk-management measures

Buying Tips


  • Review policy deductibles; water-damage excesses can be higher than fire.
  • Request a day-one inflation provision if construction costs are rising.
  • Confirm whether testing & commissioning phases are covered for new builds.

Conclusion


From everyday personal risks to complex corporate exposures, Orient Insurance Dubai delivers the financial muscle, product depth, and local know-how UAE residents expect. Compare plans on InsuranceHub.ae today and save up to 40% on premiums without compromising on protection.


Almost 78.3% of Our current Customers actually choose Insurancehub because of the following reason:

Easy and Affordable way to Buy any Insurance Online

Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.

Free Expert Guidance

We help you to get the Best Deal on any Insurance at a very affordable price ( Insurancehub. ae Customers save almost up to 40% as compared to others )

Save More Time, Money, and Effort

Save more than you expect. Our Insurance Advisors will help you to find the best deals that will save you not only cover all your needs but would help you save a lot of your Money, Time, and Effort.

Saving is the Ultimate Mantra…

100% Guarantee of Premium Support

We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.

FAQs About Property All Risk Insurance UAE

What is Property All Risk Insurance?

Property All Risk Insurance (PAR) provides comprehensive coverage for accidental physical loss or damage to your property, except for risks specifically excluded in the policy. It offers wider protection compared to standard fire or named-peril insurance.

What does Property All Risk Insurance cover in the UAE?

It covers buildings, equipment, machinery, furniture, and fixtures against unforeseen events such as fire, explosion, theft, storm, flood, and accidental damage. The policy can also include business interruption coverage as an add-on.

Who should get Property All Risk Insurance?

Business owners, landlords, contractors, and property investors should consider this insurance to protect their commercial buildings, warehouses, offices, or residential complexes from unexpected losses.

How is the premium for Property All Risk Insurance calculated?

Premiums depend on several factors such as the value of the insured property, risk exposure, location, safety measures, and type of business activities carried out at the premises.

Is Property All Risk Insurance mandatory in the UAE?

It’s not legally mandatory, but most lenders, landlords, and businesses require it for risk management and compliance with contractual or lease agreements.

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