Business insurance · United Arab Emirates · Head-to-head
ADNIC (Abu Dhabi National Insurance Company) vs Salama (Islamic Arab Insurance)
Two United Arab Emirates business insurance options, compared side by side for United Arab Emirates trades.
Which should you choose?
ADNIC (Abu Dhabi National Insurance Company) and Salama (Islamic Arab Insurance) are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and United Arab Emirates-specific notes below against your trade and region.
ADNIC (Abu Dhabi National Insurance Company)
Tier A · ListedAbu Dhabi insurer founded in 1972, with construction, engineering and liability cover for contractors
Abu Dhabi National Insurance Company (ADNIC) was founded in 1972, is listed on the Abu Dhabi Securities Exchange and is licensed by the Central Bank of the UAE. Its construction and engineering line covers Contractors All-Risk, Erection All-Risk, Contractor's Plant and Machinery, Machinery Breakdown, Electronic Equipment and Advance Loss of Profits, and its liability line adds workmen's compensation, public liability, professional indemnity and decennial liability.
Pros
- + Project cover (CAR, EAR, plant and machinery) and statutory liability cover from one insurer
- + Workmen's compensation, professional indemnity and decennial liability on its liability page
- + Downloadable proposal forms plus phone, email and callback channels
Cons
- − No public premiums; every policy is quoted
- − Comparing it with other insurers means collecting several quotes
United Arab Emirates note
Useful when you want CAR, workmen's compensation, professional indemnity and decennial liability from the same company. If a project owner requires a rated insurer, ask ADNIC for its current rating letter.
Salama (Islamic Arab Insurance)
Tier A · ListedDubai-listed takaful insurer with engineering, employee compensation and liability cover
Salama Islamic Arab Insurance Company is a Shariah-compliant (takaful) insurer based in Dubai, listed on the Dubai Financial Market and regulated by the Central Bank of the UAE; it says it has operated for more than 45 years and protects 450,000 customers. Its engineering and construction line covers Contractor's All Risks, Erection All Risks, Contractor's Plant and Machinery, Machinery Breakdown and Electronic Equipment, and its property and casualty line adds employee compensation, employee liability and public liability.
Pros
- + Shariah-compliant takaful cover for contractors who need it
- + Engineering set (CAR, EAR, plant, machinery breakdown, electronic equipment) plus employee compensation and public liability
- + Listed on the Dubai Financial Market and regulated by the Central Bank of the UAE
- + Quotes by phone (800-725262) or email
Cons
- − No public premiums; every policy is quoted
- − Shareholders approved a capital restructuring in October 2025
- − Product pages list covers only, so ask for full policy wordings
United Arab Emirates note
Relevant when a contractor or client requires Shariah-compliant (takaful) cover instead of conventional insurance; Salama offers both the engineering covers and employee compensation and public liability.
More United Arab Emirates options
See all United Arab Emirates business insurance vendors and the rest of the United Arab Emirates directory.