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Add-ons that Matter: Is “Common Law Liability” Worth the Extra Premium?
February 12, 2026
7:34 PM
- The “70% Wage” Rule: How Loss of Income Payouts Actually Work in the UAE
- Hiring Your First Employee? Your 2026 Insurance Checklist for Dubai
- Workmen’s Comp vs. Employer’s Liability: Why You Need Both in 2026
- Repatriation Cover: Why This is the Most Critical Add-on for Industrial Employers
- Reporting Accidents: The 24-Hour Rule You Must Follow to Keep Your Policy Valid
Standard Cover is Only the Beginning
In the competitive Dubai business environment of 2026, a basic workmens compensation policy in dubai is like having a car with only the front brakes working—it might stop you eventually, but it won’t be pretty. While the law mandates a specific level of cover, it doesn’t prevent employees from suing for more. This is why “Common Law Liability” is the most discussed add-on in 2026.
What is Common Law Liability?
In the UAE, an injured party can seek compensation through the Civil Courts (Common/Sharia Law) if they can prove the employer was at fault for the accident. These awards are not restricted by the AED 200,000 cap found in standard workmen compensation insurance uae. They can include:
- Moral Damages: Compensation for emotional distress and trauma.
- Future Loss of Earnings: Payouts based on what the worker could have earned over the next 20 years.
- Legal Fees: Which can exceed AED 100,000 for a single case in Dubai.
Is it Worth the Extra Premium?
For most businesses, the answer is a resounding Yes. The cost of adding a “Common Law” or “Employer’s Liability” extension is often less than 10% of the total premium. In exchange, you get protection of up to AED 1,000,000 or more per occurrence. At CoverB, we believe this is the best ROI (Return on Investment) you can find in the insurance market today. It transforms a “Compliance Policy” into a “Business Survival Policy.”
Why Trust CoverB with Your Extensions?
Many workmens compensation insurance companies offer generic add-ons. CoverB works with specialized underwriters who understand the specific judgments being handed down by UAE courts in 2026. We help you pick the right limit (AED 500k, 1M, or 5M) based on your industry’s risk profile.
Conclusion: Upgrade Your Protection
Don’t be under-insured in a high-liability world. Visit https://coverb.ae/liability/workmens-compensation-insurance/ and discover why Common Law Liability is the choice of smart Dubai business owners in 2026.
