Key Benefits

• Fire, lightning, explosion.
• Faulty operations, lack of skill.
• Water and Humidity.
• Short circuit and Electrical fire risk.
• Smoke, soot, dust, corrosive gases etc.
• Riot and strike and malicious damage and terrorism.

Key Exclusions

• War, invasion, act of foreign enemy.
• Nuclear reaction, nuclear radiation.
• Willful act or willful negligence of the Insured or of his representatives.
• Loss or damage directly or indirectly caused by theft.
• Loss or damage caused by any faults or defects existing at the time of commencement of the policy within the knowledge of the insured or his representatives, whether such faults or defects were known to the Insurers or not.
• All kind of Political risks including but not limited to the Terrorism & Sabotage.
• Asbestos Clause.
• Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons.
• Date Recognition Clause.
• Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Erection All Risks Insurance Policy (English)
– Erection All Risks Insurance Proposal Form (English)

Key Benefits

Basic Contractor’s Plant & Machinery Policy Indemnify for any unforeseen and sudden physical loss or damage to the insured items from any cause not specifically excluded under our standard Policy Wording.

Oman United offers the following add-on covers too:

• Inland Transit from site to site as per MRE 401.
• Strike, Riot and Civil Commotion - limit 25% of sum insured.
• Incurred costs of recovery and/or withdrawal in the event of Plant or Equipment becoming accidentally immobilized – limit/sub limit may apply separately to each plant or equipment.

Key Exclusions

• Nuclear risk.
• War and Terrorism risk.
• Exclusion of all kind of Political risks including but not limited to the Terrorism & Sabotage.
• Asbestos Clause.
• Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons.
• Normal Wear and Tear .
• Fines/ Penalties on the insured.
• Date Recognition Clause.
• Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics.
• Prototype machinery.
• Contingent Business Interruption / Customer’s and Supplier’s Extension (unless limited to FLEXA and named basis).
• Equipment used in underground mines and wells.
• Toxic mould.
• Aero Engine business / Aviation Risks.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Contractor's Plant & Machinery Policy Wording (English)

– Contractor's Plant & Machinery (CPM) Proposal Form (English)

Key Benefits

• Covers bodily injury and property damage claims arising from the professional services covered by the policy.
• Claims investigation costs (i.e. costs of investigating, defending and settling claims).
• Cover for civil liabilities including (but not limited to) breach of duty, defamation, loss of or damage to documents, infringement of intellectual property.
• The policy benefits are based on ‘Limits per claim’ and ‘Claims in the aggregate for the policy period’.

Key Exclusions

• War/ Act of War/ Sabotage/ Act of Terrorism exclusion.
• Total Asbestos and Mould exclusion.
• Cyber Risk.
• Nuclear and Radioactive risks exclusion.
• Pure financial losses, Insolvency, and consequential loss.
• Bodily Injury and Property Damage exclusion.
• Intellectual Property Rights.
• Fraud and dishonesty.
• An intentional, dishonest, malicious, criminal or illegal act of the Insured or his employees.
• Claims by one Insured under this policy against another insured under this policy.
• Any services performed beyond the scope of professional services, treatments, advices typically rendered as a physician/doctor under domestic legislation, ethical codes and rules.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Architects and Engineers Proposal form (Annual & Project)
– Professional Indemnity Architects Engineers Project Cover Proposal Form
– Professional Indemnity Insurance Policy Medical Malpractice
– Professional Indemnity Lawyers (English)
– Professional Indemnity Malpractice Proposal From Practitioners
– Professional Indemnity Medical Malpractice Hospital Clinic
– Professional Indemnity Policy Lawyers
– Professional Indemnity Policy Wording Architects Engineering (English)

Key Benefits

Complete cover for risks involving money and monetary transactions.

Additional cover against loss of money in safe due to housebreaking or burglary after office hours.

Loss of Money whilst:

• In Transit from Insured’s premises to bank or vice versa .
• On the Premises during business hours.
• On the Premises outside business hours.
• On the Premises whilst contained in a Locked Safe or Strong room.
• At an Authorized Person's residence.
• Damage to Safes and Strong rooms. Etc.

Key Exclusions

• Money entrusted to any person other than the Insured or an authorized employee.
• Legal liability, consequential loss, theft from an unsecured vehicle and consequential loss.
• Money entrusted to a carrier.
• Loss due to any act in which the Insured, his/her family member/employee is involved.
• Date Recognition Clause.
• All kind of Political Risks including but not limited to Terrorism and Sabotage.
• Contamination / Pollution Clause.
• Nuclear risks.
• Radioactivity Risks (Radioactive Contamination Clause following CL370 Institute of London Underwriters).
• Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics.
• Asbestos Clause.
• RADIOACTIVE Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons (insurance).
• War and Terrorism .
• Riot or civil commotion.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Money Insurance Policy Wording
– Money Insurance Proposal Form (English)

Key Benefits

• Fidelity Guaranty policy protects your business from financial losses in the event of a fraud by an employee up-to the limit opted.
• It also covers monetary losses that you might have to suffer as a result of forgery, embezzlement, larceny or fraud / dishonesty or fraudulent conversion of money or money's worth or goods by your employees.
• The cover provided includes reimbursement for loss committed by an employee for improper personal financial gain.
• Theft of property by computer fraud and the theft of funds from the insured’s transfer account at a financial institution are also indemnified.
• In addition, defense costs, judgments and settlements are accommodated by the terms of the contract.

The liability of the Company shall not exceed:

• In respect of any employee the amount stated against his name or description.
• In respect of all claims under the policy the total amount Guaranteed.

Key Exclusions

• Salary, commission, security deposit or any other money standing to employees’ credit is adjusted.
• Loss discovered more than 12 months after the termination, either of the guarantee or of the service of employee concerned.
• Losses such as stock taking shortages, trading losses, not caused by fraud or dishonesty.
• Date Recognition Clause.
• All kind of Political Risks including but not limited to Terrorism and Sabotage.
• Contamination / Pollution Clause.
• Nuclear Clause.
• Radioactivity Risks (Radioactive Contamination Clause following CL370 Institute of London Underwriters).
• Any direct or indirect loss by infectious disease, outbreak of epidemics &pandemics.
• Asbestos Clause.
• RADIOACTIVE Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons (insurance).
• War and Terrorism .

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Brochure
– Proposal Form
– Claim form
– Policy Wording

Key Exclusions

• Pre-existing conditions.Pre-existing condition is any condition where the insured person:
  • Has received in-patient treatment during the last twelve months, or
  • Is taking prescribed medication for which he/she has consulted a doctor within the past 12 months, unless the condition for which he/she is taking it and the dosage levels are normally stable and well controlled, or
  • Is on a hospital waiting list for in-patient investigation or treatment, or
  • Has been given terminal prognosis.
• War, Radioactivity and sonic bangs exclusions
• Change of mind cancellations
• Incidents caused by drug or alcohol use
• Hazardous or non conventional activities, e.g. scuba diving, mountain climbing, skydiving, etc.

This is not an exhaustive list. Please refer to policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Travel - Proposal Form

Key Benefits

Travel Insurance Medical Only: This insurance covers only medical treatment, Repatriation and other emergency expenses such as:

• Medical, hospital and treatment expenses (including travel expenses).
• Reasonable travel and hotel expenses of a relative or friend (not necessarily an Insured Person) who is required to travel to, remain with, or escort the Insured Person if he/she becomes severely incapacitated during the Period of Travel.
• The reasonable cost of Funeral Expenses and/or the reasonable cost of transporting the remains or ashes of the Insured Person to his former place of residence in Oman if he dies during the Period of Travel.

Key Exclusions

• Pre-existing conditions.Pre-existing condition is any condition where the insured person:
  • Has received in-patient treatment during the last twelve months, or
  • Is taking prescribed medication for which he/she has consulted a doctor within the past 12 months, unless the condition for which he/she is taking it and the dosage levels are normally stable and well controlled, or
  • Is on a hospital waiting list for in-patient investigation or treatment, or
  • Has been given terminal prognosis.
• War, Radioactivity and sonic bangs exclusions
• Change of mind cancellations
• Incidents caused by drug or alcohol use
• Hazardous or non conventional activities, e.g. scuba diving, mountain climbing, skydiving, etc.

This is not an exhaustive list. Please refer to policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Brochure
– Proposal Form
– Claim form
– Policy Wording

Key Benefits

This policy can be opted by any of the below:

• Residential or Commercial Property Owners.
• Service industry such as Restaurants, Hotels, Schools, Shopping Complex, etc.
• All type of Manufacturing companies.

Key Exclusions

• Date Recognition Clause.
• Exclusion of all kind of Political Risks including but not limited to Terrorism and Sabotage.
• Contamination / Pollution Clause.
• Nuclear risks.
• Radioactivity Risks (Radioactive Contamination Clause following CL370 Institute of London Underwriters).
• Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics.
• Asbestos Clause.
• RADIOACTIVE Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons (insurance).
• War and Terrorism.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Public Liability - Proposal Form