تأمين المسؤولية

Accountable – Compliant – Protected

Liability Insurance | Coverage That Stands Behind Every Decision

Public Liability

Protects against claims for injury or property damage caused to others by your operations or premises

Professional Indemnity

Essential coverage for service providers against errors, omissions, or negligence claims

Employer’s Liability

Covers medical costs and compensation related to employee injuries or illness during work

Accountable – Compliant – Protected

Mitigating Business and Professional Liability

No matter the industry, liability is a real and growing concern. One unexpected claim, whether from a customer, a supplier, or an employee can result in serious financial and reputational damage.

At Deraya, we offer comprehensive liability solutions to protect your business from legal exposure, in full alignment with IA regulations and Saudi labor laws

From customer-facing companies to licensed professionals, we help you assess your risk and connect you with fit-for-purpose liability coverage.

Public Liability

Protects against accidental injuries or property damage to third parties

  • Bodily injury claims from visitors or clients

  • Property damage caused by operations

  • Legal defense costs and settlements

Professional Indemnity

Protects professionals against legal claims due to errors, omissions, or negligence

  • Suitable for consultants, lawyers, engineers, medical providers

  • Covers legal defense and compensation payouts

  • Often required by professional licensing bodies

Directors & Officers Liability

Personal liability coverage for company decision-makers

  • Protection for executives and board members

  • Covers wrongful acts, mismanagement, or breach of duty

  • Legal representation and settlement included

Product Liability

Covers manufacturers and sellers in case of injury or damage caused by defective products

  • Defective product claims

  • Coverage for recalls and investigation

  • Legal and settlement support

Workmen’s Compensation & Employer’s Liability

Ensures employee safety compliance and covers workplace incidents

  • Medical expenses for injured workers

  • Lost wages and rehabilitation costs

  • Legal protection in labor-related claims

Airside Liability

Specialized coverage for aviation-related activities within airport boundaries

  • Covers third-party injury or property damage on the airside

  • Essential for ground handlers, airlines, maintenance providers, and cargo operators

  • Protects against incidents involving aircraft, vehicles, and equipment in airside areas

Defend – Comply – Thrive

Shielding What Matters Most in Business

Sector-Specific Coverage

  • Available for healthcare, construction, retail, and services

  • Adaptable policy structures

  • Local and regional risk considerations

Compliance Made Easy

  • Shariah-compliant and government-recognized

  • Periodic policy reviews

  • Documentation and renewal guidance

Proactive Claims Support

  • Legal coordination assistance

  • Dedicated claims team

  • Fast claim processing and follow-up

Protect Your Business Reputation

In today’s complex business environment, liability is unavoidable but the impact doesn’t have to be. With Deraya, you gain a strategic partner that helps you anticipate risk, stay compliant, and act with confidence.