Third Party Liability Insurance

Protect your business from unexpected legal and financial exposure. Sukoon’s Third Party Liability (TPL) Insurance covers legal responsibilities for injury or property damage caused to external parties due to your business operations or products.

What Does the Policy Cover?

Bodily Injury to a Third Party

Coverage includes medical expenses, hospital bills, and compensation for injuries suffered by third parties such as customers, contractors, or visitors.

Damage to Third Party Property

If your business activities accidentally damage someone else’s belongings, the policy covers repair or replacement costs.

Legal Costs & Compensation

If a lawsuit is filed, Sukoon covers: • Legal expenses • Court awarded compensation to the third party This is valid up to the policy limit.

Claims Support

Call

800 SUKOON (785666) Monday to Friday: 8 AM – 8 PM Saturday: 8 AM – 4 PM

Online

Visit www.sukoon.com to submit a claim or complaint through our dedicated portal.

Standard Exclusions

Please refer to your policy’s Exclusions section in the Terms & Conditions document for complete details.

Freelook Period

There is no freelook period for Third Party Liability policies.

Features

Policy Cancellation

By the Insurer - Policy may be cancelled by giving 60 days’ written notice to the insured’s last known address.
By the Customer - The customer may cancel the policy by giving 30 days’ written notice.

Refund Conditions

Voluntary cancellations: No refund.
Involuntary cancellations: Pro rata refund, subject to zero paid or pending claims.

Transparency

Key Facts Statement

Still got questions?

: Workmen’s Compensation Insurance provides statutory protection to employees who suffer work‑related injuries, disabilities, or death. It covers the employer’s legal liability as mandated by local labor laws.
: All employees working under the employer — full‑time, part‑time, or contractual — are covered for occupational injuries, illnesses, or accidents that occur during work or while performing work‑related duties.
: The policy typically covers:

Accidental death compensation

Permanent total or partial disability benefits

Medical expenses related to workplace injuries

Repatriation costs (where applicable)
Coverage is paid as per the compensation formula stated in local labor laws or policy terms.
: Yes. Medical expenses for treatment, hospitalization, and rehabilitation arising from a work‑related injury are reimbursed as per the policy terms and approved medical tariffs.
: Third‑Party Liability (TPL) Insurance covers the insured’s legal liability for bodily injury, death, or property damage caused to external persons due to the insured’s business operations, products, or activities.
: A third party includes any individual who is **not** an employee of the business — such as customers, visitors, vendors, contractors, and members of the public who may be affected by the business operations.
: TPL covers:

Injury to non‑employees due to business operations

Damage to third‑party property

Legal defense costs and court‑awarded compensation
Coverage applies up to the sum insured specified in the policy.
: Common exclusions include:

Intentional misconduct or negligence

War, terrorism, or nuclear risks (unless covered by extension)

Contractual liabilities beyond statutory requirements

Non‑work‑related injuries (for Workmen’s Compensation)
Exclusions vary by insurer and must be referred to in the policy’s Terms & Conditions.
: Yes. In UAE jurisdictions, Workmen’s Compensation insurance is a legal requirement for all employers. Third‑Party Liability insurance is also mandatory & is strongly recommended for risk protection and may be required for contracts, permits, or regulatory approvals.
: Claims can be submitted through the insurer using the following steps:

Notify the insurer immediately after the incident

Submit required documents (accident report, medical bills, witness statements, etc.)

Cooperate with the insurer’s investigation

Await approval and settlement
Most insurers also offer online claim portals for faster processing.

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