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Reporting Accidents: The 24-Hour Rule You Must Follow to Keep Your Policy Valid
February 12, 2026
5:21 PM
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The Critical First Steps
An accident happens at your warehouse or office. In the chaos of ensuring the employee is safe, it is easy to forget the paperwork. However, in 2026, the reporting window is the most critical factor in whether your insurance claim will be paid. Most workmen compensation insurance uae policies require that any “Serious Injury” be reported to the insurer and the authorities within 24 to 48 hours. At CoverB, we prioritize speed to protect your coverage.
Why the Rush?
Insurers need to investigate accidents while the evidence is fresh. In 2026, this often involves checking CCTV footage or interviewing witnesses. If you wait a week to report an incident, the “Chain of Evidence” is broken. Furthermore, under Article 142 of the UAE Labor Law, employers are legally mandated to report serious injuries to both the Police and the Labor Department immediately. If you fail this legal requirement, your workmens compensation policy in dubai could be voided due to “Non-Compliance with Statutory Duty.”
The “Minor Injury” Trap
Many employers make the mistake of not reporting “minor” injuries, thinking they will just pay the medical bill out of pocket. However, a small back strain can turn into a chronic disability six months later. If there is no record of the initial 2026 incident, the insurer may deny the larger claim later. CoverB encourages a “Report Everything” culture. Our mobile-friendly portal allows you to log a “Notification of Incident” in under two minutes, securing your right to claim later.
What Information is Needed?
When you report an accident to CoverB, you will need:
- The time and exact location of the incident.
- A brief description of how the injury occurred.
- The names of any witnesses.
- The initial medical report from the first-responding clinic.
Conclusion: Protect Your Right to Claim
Don’t let a delay in reporting turn a simple claim into a massive loss. Stay within the 24-hour window and let our experts handle the rest. Visit https://coverb.ae/liability/workmens-compensation-insurance/ to learn more about our 2026 claims process.
