Insurance Type

Liability Insurance

Protecting executives, professionals, and businesses from the financial consequences of legal claims — whether from shareholders, clients, regulators, or the general public.

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Overview

Why Liability Cover Has Never Mattered More

The frequency and cost of liability claims against businesses and individuals in Qatar and the GCC region has grown significantly over the past decade. Directors and officers face personal financial exposure for corporate decisions. Professionals face claims from dissatisfied clients. Businesses face public liability claims from third parties injured on their premises or affected by their operations.

Liability insurance provides the financial defence — covering legal costs, settlements, and judgements — so that a single claim does not threaten the financial security of an individual or the viability of a business.

We structure liability programmes across the full spectrum of lines, from basic public liability for small businesses to complex multi-line towers for listed companies and professional services firms. Our role is to ensure you understand your exposure, buy appropriate limits, and have an insurer who will support you when a claim arises.

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Executive leadership — D&O, PI, and liability programmes

Coverage Details

Liability Insurance Lines We Cover

Directors & Officers (D&O)

  • Personal asset protection for board members
  • Corporate reimbursement cover
  • Securities and regulatory investigations
  • Employment practices liability
  • Crisis management and PR costs
  • Run-off cover for departing directors

Professional Indemnity (PI)

  • Negligence, errors, and omissions claims
  • Breach of professional duty
  • Libel and defamation arising from advice
  • Intellectual property infringement
  • Applicable to consultants, engineers, architects, lawyers, accountants
  • Retroactive cover for prior acts

Public & Products Liability

  • Third-party bodily injury on your premises
  • Third-party property damage
  • Products liability for manufacturers and distributors
  • Contractual liability extensions
  • Pollution liability extension (limited)
  • Tenant's liability for rented premises

Workmen's Compensation Insurance

  • Statutory liability to employees for work-related injuries
  • Death and permanent disability benefits
  • Medical expenses arising from workplace accidents
  • Temporary total disability income replacement
  • Cover for all categories of labour (skilled, semi-skilled, unskilled)
  • Compliance with Qatar Labour Law requirements

Medical Malpractice Insurance

  • Claims arising from clinical errors and misdiagnosis
  • Surgical and procedural negligence cover
  • Cover for doctors, nurses, and allied health professionals
  • Hospital and clinic entity coverage
  • Legal defence costs and settlement payments
  • Retroactive cover for prior acts

Who Needs This Cover

Company directors and board members, professional service firms (consultants, engineers, architects, lawyers, accountants), businesses with customer-facing premises or operations, manufacturers and product distributors, healthcare providers, and any organisation where a professional judgement or physical activity could give rise to a third-party claim.

Common Questions

Liability Insurance FAQ

Do I need D&O insurance even if my company is not listed?

Yes. Private company directors face the same personal liability exposure as those in listed companies — from creditors, minority shareholders, employees, and regulators. The legal costs of defending a claim against a director can be substantial even when the claim is ultimately unsuccessful. D&O insurance provides financial protection from the moment a claim is made.

What is the difference between claims-made and occurrence-based policies?

Most liability policies — particularly D&O and PI — are written on a claims-made basis, meaning coverage applies when the claim is made, not when the alleged act occurred. This makes retroactive coverage and run-off protection important considerations, especially when a company is sold or a director resigns. We advise clients on continuity of coverage during these transitions.

What limit of liability should I buy?

Limit selection depends on the nature and scale of your operations, the size of any contracts you hold, and the regulatory environment you operate in. For small professional firms, QAR 1–2 million is often sufficient. For listed companies or large infrastructure contractors, limits of QAR 50 million or more may be appropriate. We model your exposure and recommend a limit that reflects your actual risk.

Understand your liability exposure before a claim arrives.

Our team will assess your risks and recommend appropriate liability cover — without jargon.

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