Engineering Insurance

UIB arranges engineering cover for main contractors, subcontractors, developers and consulting engineers working on residential towers, commercial developments and infrastructure projects across Dubai, Abu Dhabi and the northern Emirates. Whether you are pouring foundations on a single villa or running a multi-year infrastructure contract, we start by understanding the contract, the site, and where your exposure actually sits.

From there we assess risk against the specific works: what plant and machinery is on site, how the project is phased, and what your employer’s contract requires you to carry. This typically shapes a program combining erection all risks insurance or contractors all risk cover, machinery breakdown insurance for plant already in operation, and engineering professional liability insurance where design work is involved. We are clear on what each policy excludes, whether that’s wear and tear, latent defects, or works outside the contract period, so there are no surprises at claim stage.

The UAE’s construction sector operates under strict contractual and regulatory obligations, from municipality permits to employer’s requirements for insured amounts, and we structure cover to satisfy those obligations without over-insuring. Should a claim arise it is handled by our own in-house Claims team, from notification to settlement, liaising with the loss adjuster to ensure that your project maintains momentum. 

One question we hear often: does cover extend to existing structures on a renovation site? It can, but only if declared and rated for at outset, which is why we walk every client through their scope before binding.