Yes, legitimate contractors in UAE are required to maintain comprehensive insurance coverage as part of their licensing requirements. Through UAE Contractors Hub, all verified contractors must provide proof of valid insurance before being listed on our platform.
Types of Insurance Coverage Required:
Professional liability insurance covers property damage, personal injury, and workmanship defects, typically ranging from AED 500,000 to AED 2,000,000 depending on project scope and contractor specialization. General liability insurance protects against accidents during work, while third-party liability covers damage to neighboring properties.
UAE-Specific Insurance Requirements:
Dubai Municipality and other UAE authorities require contractors to maintain valid insurance certificates for trade license renewal. Insurance must be from UAE-approved providers like AXA, Oman Insurance, or Dubai Islamic Insurance. Coverage includes: structural damage, electrical faults, plumbing leaks, and injury to workers or residents.
Additional Protections:
Beyond mandatory insurance, reputable contractors provide service warranties (1-5 years for major work), material warranties (manufacturer terms), and satisfaction guarantees. Many offer extended coverage for premium projects.
Verification Process:
On UAE Contractors Hub, we verify insurance certificates during contractor onboarding and require annual renewals. You can request to see insurance documents before hiring, and our platform provides additional project protection through our contractor guarantee program.
What to Check:
Always verify insurance certificates are current, cover your specific project type, and include adequate coverage amounts. Avoid contractors who cannot provide insurance proof or offer suspiciously low quotes that may indicate inadequate coverage.
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