Third-Party Cooperative Insurance for Crowded Places and High-Risk Activities Broader Protection for Visitors and Patrons… Greater Business Stability

Product Overview

The Insurance Authority, in collaboration with the General Directorate of Civil Defense, has launched Third-Party Cooperative Insurance for Crowded Places and High-Risk Activities. The policy covers establishments' civil liability for bodily and property damage sustained by visitors and patrons as a result of accidents occurring within covered locations, protecting their rights and strengthening establishments' ability to manage the financial and operational burdens arising from such incidents. Compensation varies according to the nature of the activity and its associated level of risk.

Key Coverage and Benefits

• Civil liability coverage for establishments
• Compensation for bodily and property damage sustained by visitors and patrons
• Coverage is subject to the terms, conditions, and exclusions stipulated in the policy
  

Key Exclusions

• Damage resulting from natural disasters and cyberattacks
• Professional liability and contractual liability toward employees and trainees
• Full exclusions are set out in Article 4 of the policy
  

Importance	Category
Fair compensation in the event of bodily or property damage sustained while on the premises.	Visitors and Patrons
Protection against unexpected financial burdens arising from their civil liability for accidents occurring at their establishments.	Establishment Owners
Greater security and business continuity through insurance coverage that helps mitigate financial burdens arising from covered risks.	Investors
Supporting the public safety ecosystem and strengthening coordination between regulatory and supervisory roles.	Government Entities

Chemical Warehouses

Used Oil Storage

Hazardous Medical Waste Storage

Wholesale of All Types of Wood

General Warehouses Storing a Variety of Goods

Tire Warehouses

Paint Manufacturing

Industrial Detergent Manufacturing

1.Select a licensed insurance company approved by the Insurance Authority to offer the product.
2.Submit the required establishment details and information on the licensed activity.
3.Determine the insurance premium based on the nature and risk level of the activity.
4.Receive the issued policy and schedule outlining the applicable coverage and limits.
5.Submit the policy as part of the licensing requirements of the General Directorate of Civil Defense.