Mainland vs. Free Zone: Choosing the Right Insurance Path

Where Should You Start Your Agency?

In 2026, Dubai offers many places to open a business. You can choose the “Mainland” (DED) or a “Free Zone” like DMCC or IFZA. Each path has different rules for travel business insurance in uae. At CoverB, we help you choose the best insurance regardless of your office location.

Mainland Agencies: The Local Standard

If you have a mainland license, you are regulated by the DET (formerly DTCM). You have the most freedom to run tours anywhere in the UAE. But the rules are strict. You must have a high level of Tour Operators Liability in Dubai. Your policy must name the DET as a protected party. We specialize in these “Mainland Ready” policies.

Free Zone Agencies: The Niche Choice

Free zones are great for online travel sites or niche consultants. Some free zones have their own insurance rules. However, if you plan to pick up guests from Dubai hotels, you still need to follow DET standards. CoverB provides flexible policies that bridge the gap between Free Zone ease and Mainland compliance.

One Dashboard for All

No matter where your trade license is from, CoverB gives you one place to manage your protection. You can download your certificates instantly for your landlord or the government. Visit https://coverb.ae/liability/tour-operators-liability-insurance/ to see which plan fits your 2026 business model.