General Accident and Liability Insurance

We offer tailored liability insurance solutions to protect businesses and individuals from the financial risks of legal claims. Whether facing third-party property damage, bodily injury, or professional liability exposures, our comprehensive coverage ensures peace of mind in today’s dynamic landscape.

Designed with flexibility in mind, our policies cater to industries such as construction, healthcare, energy, and more, safeguarding your operations against unforeseen liabilities. Trust AlKoot to deliver reliable protection with expert risk management and personalized service.

Who Should Have Liability Insurance?

1. Manufacturing Companies

○ These businesses operate in high-risk environments where their products or operations could inadvertently harm the public,               employees, or the environment. Liability insurance helps mitigate risks like product recalls, workplace accidents, or environ                 mental damage.

2. Corporate Spaces

○ Institutions such as schools, hospitals, offices, and retail establishments with public access can benefit from public liability in                surance. This coverage addresses risks from non-industrial operations, such as slips, falls, or property damage caused by                      visitors.

3. Professionals

○ Service providers like contractors, architects, engineers, designers, chartered accountants, and lawyers face risks of errors, omissions, or negligence in their work. Professional liability insurance (also known as Errors and Omissions Insurance) provides coverage for legal claims and damages.

4. Businesses with Public Interaction

○ Any organization whose products or services are consumed or exposed to the public, such as food manufacturers, retailers, or service providers, should secure liability insurance to manage potential risks like product defects or customer injuries.

Why It Matters: 

Liability insurance safeguards against unexpected legal claims and financial losses, ensuring continuity and peace of mind for professionals, businesses, and corporations in diverse industries.

1. Third-Party Liability Insurance

We provide comprehensive solutions to protect businesses and individuals from the financial and legal consequences of claims made by third parties. This coverage addresses damages or injuries caused to others due to negligence or accidents, ensuring you are safeguarded against unexpected liabilities. Whether you're in the construction, healthcare, retail, or manufacturing sectors, our tailored policies are designed to cover legal expenses, compensation costs, and associated risks.

With AlKoot, you gain peace of mind knowing that your liability risks are expertly managed, allowing you to focus on your operations while we handle the uncertainties.

Key Benefits:

● Covers third-party property damage or bodily injury

● Protection against legal and financial liabilities

● Suitable for businesses of all sizes and industries

● Ensures compliance with local regulations and standards

AlKoot offers two kinds of TPL policies: 

1. Premises Risks: commonly issued on annual basis on risks involving showrooms, offices and commercial places.

2. Project Specific: these are issued against contractual work performed by the insured for which the period can be less or more than a year.

Professional Indemnity Insurance: This policy indemnifies you for damage caused by the negligence of professional duties.

Period

Policies can be issued on an annual basis as well as project-specific.

Coverage

The policies cover the monetary amounts, including defence costs, that you are liable to pay to a third party following an action brought against you for any:

● Negligent act

● Negligent error

● Negligent omission

Main Exclusions

● Any circumstances you know of at inception

● Any wrongful act, error or omission that took place before the retroactive date

● Any dishonest, fraudulent or malicious acts

● Contractual liability unless attached in the absence of the contract

● Liability for bodily injury or property damage

● Fines, penalties, punitive or exemplary damages

● Liability to shareholders

● Liability for financial risks

● Liability concerning pollution

● War, sabotage or terrorism

2. Directors and Officers’ Liability Insurance

This policy protects the leadership of businesses from personal financial loss arising from claims made against them in their roles. This policy offers essential coverage for directors, officers, and senior management, safeguarding their assets and ensuring business continuity

General Exclusions:

● Intentional damage

● Lacking contractual obligations

● Injuries caused due to mental loss, loss of reputation, defamation and other similar matters

● Costs due to recall of any product

● Performance guarantee/warranty and inefficacy

● Dishonest acts, libel and slander

● Seepage, pollution and contamination liability other than sudden and accidental

● Abuse and/or molestation

● Loss or damage attributable and/or arising out of failure to follow recognized techniques/standards

1. Comprehensive General Third-Party Liability

This policy covers legal liabilities arising from injuries or damages caused to third parties due to the insured’s business operations. It protects against claims for bodily injury or property damage, ensuring that the insured can manage potential legal costs and settlements.

2. Workmen’s Compensation/Employer’s Liability Insurance

This insurance solution provides essential protection for businesses, ensuring compliance with labor laws while safeguarding employers against the financial risks associated with workplace accidents and injuries. This policy protects employers and employees by covering costs related to workplace injuries, illnesses, or fatalities.

AlKoot can extend the policy coverage to include the Employer’s Liability in the case of bodily injury sustained by an employee. The action for damages is brought against the Assured in a Court of Law in Qatar.

This policy can be further extended to cover the incidental medical expenses following work accidents as well as repatriation expenses.

Employer liability insurance protects businesses against claims made by employees for work-related injuries or illnesses. This coverage ensures that the employer can cover legal costs and compensation awarded to employees who suffer harm while performing their job duties.

3. Product Liability

Products Liability insurance covers claims arising from injuries or damages caused by products manufactured, sold, or supplied by the insured. This policy protects businesses from potential lawsuits related to defective products, including legal fees and settlements.

4. Directors and Officers Liability

This policy provides coverage for the personal liability of directors and officers ofva company. It protects them against claims made for wrongful acts, such asvbreaches of duty, negligence, or misstatements in their capacity as corporate leaders.

5. Money-In-Transit

Money-in-transit insurance covers losses of cash and other monetary instruments while being transported. This policy protects businesses against theft, loss, or damage to money during transit, providing peace of mind for cash handling.

6. Money-In-Safe

Money-in-safe insurance protects cash and valuables stored on the premises. This coverage ensures that businesses are compensated for losses due to theft, fire, or other risks affecting money kept in safes or vaults.

7. Professional Indemnity

Professional Indemnity insurance protects professionals and businesses against claims of negligence, errors, or omissions in the services they provide. It covers legal costs and compensation for damages arising from clients’ claims related to professional advice or services.

8. Fidelity Guarantee

Fidelity Guarantee insurance protects businesses against financial losses caused by dishonest or fraudulent acts of employees. This policy covers theft or embezzlement by employees, assuring internal risks.

9. Personal Accident

Personal Accident insurance provides financial compensation in the event of accidental death or injury. This policy typically covers medical expenses, loss of income, and lump-sum payments for permanent disabilities resulting from accidents.

10. Jeweler’s Block

Jeweler’s Block insurance is specifically designed for jewelers and covers losses related to theft or damage to jewelry and valuable items. This policy protects against risks faced in retail environments, including during transit and while on display.

11. Public Liability

Public Liability insurance protects businesses against claims for bodily injury or property damage suffered by third parties on their premises or as a result of their operations. This coverage is essential for businesses that interact with the public, ensuring they can manage potential legal expenses.

12. Plate Glassa

Plate Glass insurance provides coverage for damage to glass fixtures and installations, such as windows and storefronts. This policy ensures that businesses can quickly repair or replace broken glass, minimizing disruption and maintaining their professional appearance.