The Essential Checklist: What’s Inside a CoverB SME Package?

At CoverB, we believe that knowledge is power. When you go to a restaurant, you look at the menu before you order. Insurance should be the same. You need to know exactly what is on the “menu” of your sme package insurance policy. Many business owners in Dubai buy a policy because they have to, but they don’t know what it actually does.

As the best business insurance consultants in the region, we want to change that. We want you to be a smart owner. Below is our essential checklist. These are the five core “ingredients” that make up a strong sme business insurance plan. If your current policy is missing any of these, it’s time to talk to the team at CoverB.

1. Property All Risk (The Physical Shield)

Your office or shop is the heart of your business. Think about your laptops, your expensive coffee machine, your designer desks, and your stock. If a fire starts in the building next door, or if a water pipe bursts over your server room, who pays for the damage? Property All Risk is the part of the package that covers “stuff.” It doesn’t just cover fire; it covers theft, accidental damage, and natural events like the heavy rains we sometimes see in Dubai. At CoverB, we help you calculate the “Sum Insured” correctly. If you tell the insurance company your stuff is worth 50,000 AED but it is really worth 100,000 AED, you might only get half your money back during a claim. We make sure your math is right.

2. Public Liability (The Legal Shield)

In Dubai’s busy commercial hubs, you have people walking in and out all day. Delivery drivers, clients, and visitors are always present. What happens if a visitor slips on a wet floor in your lobby? Or what if a heavy shelf falls and hits a customer’s car? In the legal world, this is called a “third-party claim.” Public Liability is your defense. It covers the medical bills of the person who got hurt. It also covers your legal fees if they decide to sue you. In a city like Dubai, where legal costs can be very high, this is a “must-have.” We always check your business type to see if you need 1 million AED or 5 million AED in cover.

3. Workmen’s Compensation (The Employee Shield)

Your employees are your most valuable asset. Under UAE Labour Law, you have a moral and legal duty to protect them. If a staff member gets hurt while doing their job, you are responsible for their medical care and their lost wages. Workmen’s Compensation is a mandatory part of any sme business insurance in Dubai. It covers the costs of accidents at the workplace. At CoverB, we also add “Employer’s Liability” to this section. This gives you extra protection if an employee claims that your negligence caused their injury. It keeps your relationship with your team professional and safe.

4. Business Interruption (The Income Shield)

Imagine this: A small fire happens in your shop. No one is hurt, and your property insurance pays to fix the walls. Great. But it takes three weeks to fix the shop. During those three weeks, you are closed. You have zero income. But you still have to pay rent. You still have to pay your staff salaries. This is where Business Interruption insurance comes in. It pays you for the profit you would have made if you were open. It covers your fixed costs during the “downtime.” At CoverB, we call this the “lifeline” of the package. It ensures that a small fire doesn’t lead to a permanent bankruptcy.

5. Money in Transit & Fidelity Guarantee

Does your business handle cash? Or do you have staff who handle your company bank accounts? Money insurance protects your cash when it is in your safe or when you are carrying it to the bank. Fidelity Guarantee is slightly different—it protects you from “theft from within.” If an employee steals money or stock from the company, this part of the policy pays you back. It’s a sad thing to think about, but as smart consultants, we must prepare you for every risk.

Why Trust CoverB with Your Checklist?

You can find many companies selling business insurance dubai. But at CoverB, we don’t just sell; we consult. We go through this checklist with you page by page. We ask: “Do you have a lot of glass in your shop? We should add Glass Cover.” Or, “Do you have expensive signs outside? We should add Signage Cover.” We tailor the package so it fits like a glove. You don’t pay for what you don’t need, and you are never left without a shield. Visit https://coverb.ae/ today and let’s tick every box on your safety checklist together.