Avoiding the “Act of God” Confusion in 2026

The Shadow of 2024 and 2025

In April 2024, the UAE experienced its heaviest rainfall in 75 years. This was followed by several “unprecedented” storms throughout 2025. These events changed the insurance world forever. In 2026, the term “Act of God” (or Force Majeure) is no longer a vague phrase in a contract; it is a critical legal battleground. If you are an event organizer, you need to know exactly how your event insurance policy defines a storm. At CoverB, we help you move past the confusion of the past two years to ensure your 2026 event is waterproof.

The “Natural Disaster” Trap

One of the biggest lessons from the 2024 floods was that many policies exclude coverage if the government officially declares a “Natural Disaster.” However, as seen in recent years, the UAE government often avoids this specific label to help the economy recover faster. In 2026, the Central Bank of the UAE (CBUAE) has instructed insurers to settle claims unless a disaster is officially gazetted.

At https://coverb.ae/, our event liability insurance in uae is updated for this reality. We don’t wait for a “Natural Disaster” declaration. Our “Adverse Weather” clause kicks in based on local rainfall measurements (millimeters) or wind speeds (knots). If the weather makes it physically impossible or dangerous to hold your event, we cover you—regardless of what the event is officially called.

Scenario: The Flooded Exhibition Hall

Imagine you are hosting a tech trade show at a major venue in 2026. A sudden “medicane” (a Mediterranean-style hurricane in the Gulf) causes water to seep through the venue’s roof, damaging AED 2 million worth of attendee equipment.

1. The Venue’s View: They claim it’s an “Act of God” and they aren’t responsible.
2. The Exhibitors’ View: They sue you for failing to provide a safe, dry environment. Without a specific weather-backed event insurance policy, you would be caught in the middle of a multi-year legal fight. CoverB provides a “Weather Defense” rider that pays for third-party property damage caused by rain, even if the venue claims they are not at fault.

The 2026 “Sanadak” Ombudsman Support

If you find yourself in a dispute with a venue or a secondary insurer over an “Act of God” claim, 2026 brings new help. Sanadak, the UAE’s insurance ombudsman, now has a dedicated “Weather Claims” unit. At CoverB, we ensure your policy is “Sanadak-Compliant.” This means if a claim is unfairly rejected as an “Act of God,” you have a fast, free legal path to get a resolution. We build our policies to be so clear that disputes rarely happen in the first place.

How to “Flood-Proof” Your Insurance Plan

• Check the “Millimeter” Clause: Does your policy trigger after 10mm of rain or 50mm? Know your numbers.
• Inland Transit: Make sure your gear is covered while being moved through flooded streets to the venue.
• Business Interruption: If a storm stops people from reaching your event, our “Reduced Attendance” cover can help pay for the lost revenue.
• Get a Live Quote: Visit https://coverb.ae/liability/event-liability-insurance/ and select “Extreme Weather” protection.

Next Step: Hosting an outdoor event this winter? Let’s review your 2026 weather triggers to ensure you aren’t left in the rain.