This Policy covers vehicles of all kinds according to the required coverage by the customer. The insurance protection includes private cars that are used for family and household purposes, as well as all types of cars and vehicles that are used for commercial transport, such as transporting funds, goods, and passengers.

We understand the difference between comfort and inconvenience; therefore our policies are always designed with a personal aspect.

This policy covers the loss that the insured may suffer due to the destruction of or damage to property or goods, caused by fire, lightning, explosion,
earthquakes, further it can add additional insurance risks to this Policy for industrial enterprises and shops.

This policy grants insurance coverage of the fire and additional insurance risks on the property such as factories, buildings, and its contents, shops, the goods stored or displayed in exhibitions, whether owned by the shopkeepers or exhibitions or deposited in their custody during a specified period and up to agreed amount.

Casualty insurance is a broader category of fire insurance coverage against loss of property, damage, or other liabilities to protect you and your business from the adverse financial impact of any unfortunate accident.

This Insurance policy covers sudden and unforeseen physical damage or loss due to any accidental electrical or mechanical breakdowns to the Insured machinery whilst being at work or rest and during any cleanup, inspection, overhauling or subsequent re-erection and removal to another position.

Homeowners insurance is designed for persons getting loans to purchase their homes to pay to repair their homes and belongings if they are damaged by certain perils, such as fire or theft or others. It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home.

This Policy provides Insurance protection linked to engineering and industrial projects and in terms of Contractors All Risks Insurance Policy, which covers insurance protection for projects during the construction period, and also can expand its coverage to include the maintenance period, as it protects the contractors and entrepreneurs toward civil liability that might arise against them by the third party of bodily injury or physical damage to the property belonging to others.

The main lines for such policies are:

Contractors All Risks insurance policy
This type of insurance is a standard insurance policy that provides
coverage for property damage and third-party injury or damage claims, the two primary types of risks on construction projects or third parties, including subcontractors may also become injured while working at the construction site.

Erection All Risk Policy (EAR)
This Insurance type is designed to cover the risk of loss arising out of the erection and installation of machinery plant and steel structures, including physical damage to the contract works, equipment, and machinery, and liability for the third-party bodily injury (BI) or property damage (PD) arising out of these operations.

Contractor Plant & Machinery Policy (CPM)
This is an insurance of contractor’s plant and machinery that is done on an annual basis. It covers unforeseen and sudden physical loss of or damage to the insured items, necessitating their repair or replacement.

Contractors Third Party Liability Policy (CTPL)
This insurance type provides indemnity for legal liability following the third party property damage or the third party bodily injury arising from insured activities. Cover can typically be extended to include the interests of the various parties to a construction contract. This could include amongst others the main contractor, the owner/developer, and lenders.

These various types of Policies protect various goods during the period of transport operations by sea, air, or land from damages and losses to goods according to the type of coverage selected by the customer.

This Policy covers the hull and machine and the erected equipment onboard against damages, losses, expenses, and responsibilities. These Policies grant insurance protection for ocean ships, coastal ships, oil tankers, trains, and similar transportation vessels.

In addition to covering the hull itself, Al Hamraa Insurance Company can also provide the following covers to protect your business:

• Freight Forwarders’ Legal Liability
• Marine Liabilities
• Shipping owners and operators
• Fleet owners
• Tug and work-boat handlers

Insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits, and clauses specific to aviation insurance, and we at Al Hamraa Insurance Company can help our clients in determining the right insurance for those in the aviation industry can be quite challenging, and we have been the leaders in providing to our clients these options that exist under the blanket of aviation cover as per the below covers:

In addition to covering the hull itself, Al Hamraa Insurance Company can also provide the following covers to protect your business:

• Public liability insurance
• Passenger liability insurance
• Combined Single Limit (CSL)
• Ground risk hull insurance not in motion
• Ground risk hull insurance in motion (taxiing)
• In-flight insurance
• War Terrorism Cover for Hull Airplane Liabilities

This insurance provides cover for boilers and pressure vessels due to explosion or implosion. The policy also covers damage to surrounding properties and liabilities for injury to third parties or damage to third party property.

This Policy provides insurance protection during the transit of money from one place to another, especially among customers Offices (insured) or between their offices and the offices of banks or between branches of the same bank.

A policy designed to cover the safety of your business against the loss of the insured money which in money; includes cash, notes checks, coins, promissory notes, treasury fund certificates, wholly or partially due to fire, lighting, by forcible entry. The company shall compensates for the loss or the damage as per the limit of insurance.

Fidelity Guarantee insurance is an insurance policy designed to indemnify the Insured (the employer) for the loss of money or property sustained as a direct result of acts of fraud, theft, or dishonesty by an employee in the course of employment.

This insurance coverage is designed especially for banks and financial institutions against losses that occur from the dishonest acts of employees, and from third parties’ acts committed with the intent to obtain a financial gain or cause damage.

Our energy division offers our clients what they need most: deep understanding of their industry, environment, and operations, extensive and specialized expertise, innovative solutions, superior loss control capabilities, responsive claims handling and substantial insurance capacity.

At Hamraa Insurance, we provide the following plans and policies:

• Terrorism risk for offshore property
• Hull and Machinery associated with an offshore operation
• Removal of debris
• Offshore and onshore construction
• Physical damage
• Operators extra expense/cost of good control
• Excess liability

General third party liability insurance is primarily addressed to companies and it covers general mandatory liability, which is directly related to economic activities, to both third parties and company’s own clients in case of personal injuries or property losses.

This type of insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs.

This insurance product will protect you in the event that your business is sued by a client. If you’re a professional business that provides advice and services to your clients, PI cover should be seen as an essential consideration for your business insurance package.

Employers Liability Policy is one of the main types of business insurance, and most employers are legally obliged to take out a policy. It can pay compensation costs and legal fees if an employee or ex-employee sues for illness or injury caused by their work.

This insurance provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence. It covers the expenses that come with an employee’s work-related illness or injury.There’s even a portion that covers your legal fees if an employee decides to sue.

Al Hamraa is providing diverse life insurance products that cover individuals, families, and corporate entities, and they are designed for individuals or groups. We can help you find coverage that’s right for you and your loved ones.

Our experienced staff can help you understand your options and figure out how much and what kind of cover is right for you before getting your life insurance quote.

cover individuals, families, and corporate entities, and they are designed for individuals or groups. We can help you find coverage that’s right for you and your loved ones. Our experienced staff can help you understand your options, and figure out how much and what kind of cover is right for you, before getting your life insurance quote.

These types of Insurance Policies are designed for:

• Individual Accident Insurance
• Group Accident Insurance

The covers of these policies could include the following:

• Accidental Death Cover
• Permanent/Total Disability Cover
• Permanent Partial Disability Cover
• Temporary Total Disability Cover
• Return of Mortal Remains

When you’re looking for health insurance, it’s a good idea to take a look at all the angles. You want coverage that works with your lifestyle, helps you get the best care possible, and fits with your financial picture. That’s where Al Hamraa Insurance comes in.

These types of Health Insurance Policies are designed for:

• Individual Medical Insurance
• Group Medical Insurance

The covers of these policies could include the following:

• In Hospital Cover
• Maternity Cover
• Daily Surgeries Cover
• Ambulatory Cover
• Doctor Visit Cover
• Pharmacy Cover
• Dental Care Cover
• Eye Care Cover
• Congenital Disease Cover

Other Services:

• Personal Accident Insurance
• Travel Insurance

Follow us on facebook and instagram to see more of our offers:

• https://www.facebook.com/HamraaInsurance
• https://www.instagram.com/hamraainsurance

There’s nothing like travel to feed the soul and broaden your horizons. If things go wrong, you’re in safe hands with Al Hamraa Insurance. As we provide vast coverage policies that will ensure a unique travel experience to cover your journeys.

If you become ill, have an accident, lose your luggage, or if your flights are canceled, Al Hamraa Insurance will be there to help you keep traveling.