01
First notification
One call or one email to the person who placed your programme — not a portal and not a reference number. The file opens the same day and the policy wording is already on the desk.
Insurance & reinsurance brokers · UAEBrokers · UAE
Risk rarely arrives on schedule.Risk rarely arrives on schedule.
Specialist broking for the risks that don't fit a template — energy, marine, aviation, engineering, financial lines. Part of UIB Group: a Lloyd's broker with roots in 1956, placing complex UAE exposures into international capacity the local market can't reach alone.Specialist broking for risks that don't fit a template. Part of UIB Group — a Lloyd's broker, placing complex UAE risk into international capacity.
1956Heritage · 1st broker in the Middle East
Lloyd's brokerUnited Insurance Brokers Ltd (UK)
Top 10World's largest reinsurance brokers
In-houseClaims managed, not handed off
Interactive · exposure map
Tell us your sector. We'll tell you what bites.
Every industry has a risk that shows up in the loss statistics and a risk that shows up in the boardroom — rarely the same one. Pick yours: the radar plots where exposure actually concentrates, which lines respond, and the gap we find most often when we review an existing programme.
Energy & PowerExposure profile
Lines that respond
The gap we find most
What we place
Thirteen lines. One desk.
Most of the complex work is placed through the group's reinsurance network rather than the local market alone — which is how a UAE risk reaches capacity that isn't available here on its own.
01 · Energy & PowerEnergy & Power
Upstream, midstream, generation, transmission and renewables — structured phase by phase, because construction risk looks nothing like operational risk.
02 · MarineMarine
Cargo, hull and machinery, and marine liabilities — Institute Cargo Clauses A, B or C, chosen against the trade, not the habit.
03 · AviationAviation
Hull all risks, passenger and third-party liability, ground handling and spares — with contractual liability checked against what was actually signed.
04 · EngineeringEngineering
Contractors all risks, erection all risks, delay in start-up and plant — from a fit-out to an infrastructure programme.
05 · PropertyProperty
Material damage and business interruption on reinstatement values that reflect what it costs to rebuild today — not what it cost to buy.
06 · LiabilityLiability & Financial Lines
Employers', public and products liability, professional indemnity, D&O, crime and employment practices.
07 · Cyber RisksCyber Risks
First and third-party cyber, written as its own policy rather than bolted onto professional indemnity where the two disagree at notification.
08 · Employee BenefitsEmployee Benefits
Medical, group life and retirement — DHA and HAAD compliant, benchmarked against what the market actually pays.
09 · MotorMotor
Comprehensive and third-party fleet cover, rated on the fleet's own loss record rather than a book average.
10 · TravelTravel
Corporate and group travel, including medical evacuation and the territories most policies quietly exclude.
11 · AdvisoryAdvisory
Programme design, contract review and risk transfer strategy — the work that happens before anything is placed.
12 · Claims ManagementClaims Management
Handled in-house from first notification to settlement. No handing you to a call centre on the worst day of your year.
13 · Other SpecialtiesOther Specialties
Trade credit, political risk, contingency, fine art and the one-off exposures that need a market found for them.
Interactive · business interruption
The number most policies get wrong.
Business interruption is the cover that pays when the building is fixed but the income isn't. The sum insured is not your turnover, and it is not your net profit — it's insurable gross profit over the time it will genuinely take to recover. Move the sliders and watch the working.
Your figures AED
The working
Annual turnover
—
Less uninsured working expensespurchases, carriage, commissions — costs that stop when trading stops
—
Insurable gross profitthe insurance definition — not the accountant's
—
Indemnity period factor18 months ÷ 12
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Growth & inflation uplift
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Indicative BI sum insured
—
Marine cargo · Institute Cargo Clauses
A, B or C. Most buyers inherit C and assume A.
The three standard cargo wordings are not tiers of service — they are three different lists of what is actually covered. Tap through them against a typical UAE import.
Insure at CIF + 10%, not invoice valueFreight, duty and a margin for the cost of replacing goods you no longer have. Declaring invoice value alone leaves the rest of a total loss uninsured.
Check the transit clause, not just the wordingCover attaching at the seller's warehouse and ending 60 days after discharge is not the same as cover to your door — and the gap is where most UAE cargo claims fall.
In-house claims management
A claim is the only part of the policy you'll ever use.
Six stages from incident to settlement. The amber bar is the file handled in-house; the claret bar is the market pattern when a claim is passed to a third-party administrator and back. Scroll it.
NotificationDay 0
UIB in-houseIn-house0d
Passed to TPAVia TPA0d
02
Surveyor on site
For anything material we appoint early and we appoint a specialist — energy losses and marine losses are not general adjusting. Getting the right surveyor there in the first week is what stops a dispute forming in the third.
03
Documenting quantum
The stage where most claims stall. We prepare the schedule with your finance team rather than forwarding a document request and waiting — because the insurer's questions are predictable and can be answered before they're asked.
04
Reserve agreed
An agreed reserve is what unlocks an interim payment. On a serious loss the cash matters long before the final figure does — a business interruption claim that settles in full after twelve months has already done its damage at month three.
05
Negotiation
This is where being a reinsurance broker changes the conversation. We are arguing the wording with markets we place business into every week, in London and beyond — not filing an appeal into an inbox.
06
Settlement
Funds released and the file closed with a note on what to change before renewal — because a claim is the most honest audit a programme ever gets.
Day counts are illustrative for this concept — they describe the shape of a well-run claim, not a guarantee. Actual timelines depend on the loss, the market and the documentation.
The group
Roots in 1956. Reach from London to Brazil.
UIB Group traces its origins to 1956 and was formally established in 1987, headquartered in the UK. United Insurance Brokers Limited is a Lloyd's broker, and the group has ranked among the world's largest reinsurance brokers — fifth largest in 2017, and in the top ten since.
1956
The first broker
The heritage the group traces its origins to — the first insurance broker in the Middle East.
1987
UIB Group formed
Formally established and headquartered in the United Kingdom.
Lloyd's
United Insurance Brokers Ltd
The UK company is a Lloyd's broker — direct access to the world's specialist market.
2017
5th largest
Ranked the world's fifth largest reinsurance broker, grown organically rather than by acquisition.
Top 10
Among the largest
The group remains among the world's largest insurance and reinsurance brokers.
Global
London to Brazil
Offices spanning London to the Gulf, India to Brazil — and the reinsurance network behind every complex placement.
Now
Downtown Jebel Ali
UIB in the Emirates serves UAE clients from its Dubai office, with the group's capacity behind it.
Personalised serviceOne deskDedicated account managers, not a queue.
Global market accessReinsurance networkCapacity the local market can't provide alone.
Complex riskSpecialistsTailored strategies for sophisticated risk scenarios.
ClaimsIn-houseDirect, personalised management of every claim.
Talk to a broker
Bring the programme. We'll find what's missing.
The most useful first meeting is a review of what you already buy — schedules, wordings and the last three years of losses. That conversation finds gaps faster than any proposal form. This is a concept demo; nothing is sent.
Downtown Jebel Ali, DubaiUIB in the Emirates — serving clients across the UAE.
Part of UIB GroupA Lloyd's broker with a global reinsurance network.
Official channelsuibme.com →