2. OUR VISION
To Pursue a reputation of Excellence and Trust.
OUR MISSION
To achieve market supremacy through the provision of Total Insurance Solutions and
dedicated premier services which not only meet but also exceed our customer’s
expectations.
To ensure that our commitment to our customers is first and foremost in all aspects
of our activities thus ensuring the enhancement, expansion and growth of the
Company to the long term, sustainable benefit and satisfaction of our stakeholders.

3. Introduction
Head quartered in the City of Dubai - the Financial and Business capital of the
region, NGi is an associate of the Leading Financial Institution – Emirates NBD
Group. It is proud to enjoy the status of being a fully accredited National Insurer.
The Company is publicly quoted and listed in the Dubai Stock Exchange.
NGI is one of the leading Composite Insurers in the United Arab Emirates and enjoys
full support from all its financially sound and prominent key shareholders such as
Emirates NBD Group, Dubai Investments and Commercial Bank of Dubai. NGi offers
multiple range of products and expertise including but not limited to Marine, Property,
Casualty, Construction, Engineering, Credit insurance, Life, Investment linked Life
products and Health/Medical Insurance etc.
Security Rating
NGi is rated by Standard & Poors (S&P) with “BBB” Stable outlook
Major shareholders
Emirates NBD Group
Dubai Investments
Commercial Bank of Dubai
Board of Directors
Mr. Khalid Jassim Bin Kalban Chairman
Mr. Adel Al Zarouni Vice Chairman
Mr. Mohammed A. Al Jallaf Director
Mr. Faisal Hassan Galadari Director
Mr. Omar Bin Haider Director
Mr. Saeed Abdulla Yousuf Director
Mr. Abdulla Ibrahim Bin Hussain Director

4. Our Services
With its existing strong financial and infrastructural base, NGi is dedicated to quality
customer service in all specialist areas of risks supported by qualified and
experienced professionals. We have multi-lingual staff catering to the needs of
various clients. Claim processing functions are streamlined in order to provide timely
settlements. Besides its head office located at Green Building in Deira, the company
has branch offices in following locations:
Al Wadi Building, Next to Mazaya Center, Sheikh Zayed Road, Dubai
NBD Building, New Bank Street, Sharjah
Al Sahel Tower, Khalidiya, Old Passport Road, Abu Dhabi
Our commitment
Our customers are first and foremost in all our activities and will expand and achieve
growth to the long-term benefits and satisfaction of our shareholders.

5. Our specialisation
We underwrite risks of varying sizes & nature and respond to the needs of our
clients. We have developed insurance protection to meet the demands of our clients
and they include following types of policies:
 Property All Risks
This policy would cover All Risks of Physical Loss or damage to property. The
policy provides very wide range of protection to the policyholders against
physical loss of or damage to property.
 Fire and Perils
This is one of the oldest coverages in the world. The policy responds to
claims arising from loss or damage to property as a result of Fire, Lightning,
Storm, Tempest, Flood, Earthquake, Explosion, Riot, Strikes, Civil
Commotion, Malicious Damage, Bursting of Pipes/overflowing of water tanks,
Aircraft (or articles dropped there from) and vehicle impact damage etc.
 Burglary
Specifically covers physical loss of or damage to property arising from
Burglary risks or attempt thereat.
 Business Interruption / Loss of Profit insurance
Most of the Corporates and/or Enterprise are heavily dependent on this policy,
which provides protection against loss or erosion of profit due to physical loss
or damage to property admissible under a Fire and Perils Policy or Property
All Risks Policy.
 Motornet (Comprehensive Automobile Insurance)
Our Motornet policy provides wider coverages than prescribed by the unified
Motor policy available in the market. Vehicle owners (as well as the driver of
the vehicles) are protected against loss or damage to the vehicles and
Liabilities associated with the ownership or use of the vehicles.
 Motor Third Party Liability only
This policy provides protection against Road Traffic Liability only –
automatically covered under our Motor-net comprehensive policy.

6.  Personal Accident (individual and Group)
This insurance provides a lump-sum amount (as agreed) in the event of
Accidental Death, Permanent Total or Partial Disabilities as well as loss of
income resulting from Temporary Total Disablements etc. The coverage is
worldwide and operates on 24-hour basis.
 Travelnet
Provides protection to the traveller whilst on travel arising from Accidental
Death, Disablements etc, Loss of Baggage, Medical Expenses and many
other out of pocket expenses resulting from loss of passports, or delay caused
by Riot Strikes etc.
 Workmen’s Compensation & Employers Liability
A must for Employer! The policy indemnifies the Insured (i.e. Employer) under
the UAE Labour Law in respect of Bodily injury, Death or occupational illness
to employee(s) arising out of and in the course of his employment. Almost all
Employers buy this insurance protection, which also extends to include
Employer’s liability under Common Law or Shariah Law.
 Public Liability
This policy provides protection against the Insured’s legal liability to Public as
a result of bodily injury, death or damage to property arising from business
operations.
 Products Liability
This insurance policy provides protection to the Insured against his / their
Legal liability (for bodily injury/death or damage to property of others) arising
from defective products, goods sold or supplied. The Cover can be extended
to include Products Guarantee and Recall
 Life Assurance
NGi Life policies provide various types of term Assurance covers (both
individual and group). We are also catering to the needs of individuals by
providing income protection plan or investment linked life plans. Other
products being launched are Permanent Health (Long Term Disability) and
Living Assurance / Critical insurance coverage.

7.  HealthNet (Medical Insurance)
This policy is available to both individuals as well as Corporates. Popular form
of insurance protection amongst the Corporates and residents/Citizens of this
country.
 Householders Comprehensive Cover
This policy provides loss or damage to the building and/or contents, loss of
rent, Tenants and/or legal liabilities etc.
 Money
This policy extends protection against loss or damage to Money whilst in the
business premises and/or in transit etc.
 Fidelity Guarantee
The Insurance is designed to protect the Employer against his/their direct
financial loss arising from an act of fraud or dishonesty committed by an
employee and discovered either during the course of his/her employment or
certain period after the termination of his employment or death.
 Blanket Bond
This policy is specifically designed to cater to the needs of Financial
Institutions / Banks.
 Stock Brokers / Exchange Comprehensive Insurance
This policy is designed to cover the risks associated with Stock Brokers and
Stock Exchange operations. The primary risks covered are Direct Financial
Loss arising from Incomplete transactions, Fidelity, Loss of Property, Forgery
or Alteration, Securities, Counterfeit currency, investigation costs, Errors and
Omissions, Negligence, Label and Slander, Breach of Copyright, conversion,
Unintentional Breach of Trust and Unintentional Breach of Fiduciary Duty and
dishonesty etc.
 Credit Insurance
This policy grants protection against customer bankruptcy, insolvency and
undue delay in payment. It also helps the policyholders to increase their sales
and/or business transactions besides enhancing their borrowing power. We
also provide assistance in collection of past dues and provide @Rating
services in most part of the world.
 Electronic Crime
Covers loss arising from Electronic Crimes

8.  Marine Cargo / Inland Transit
Very traditional policy, which covers loss or damage to cargo whilst in transit
by Road, by Rail, by Air or by Sea.
 Marine Hull
Provides loss or damage to Vessels/crafts and Protection and Indemnity
(liabilities) etc.
 Ship Repairer’s Liability / Builder’s Risks
This insurance policy is designed to protect the Ship Repairer against loss or
damage to works or liabilities arising from their negligence, omission or act
during the course of ship repairing/building contract etc.
 Contractors’ All Risks / Erection All Risks
This policy is designed to cover the interests of the Owners/Principal,
Contracting group, & Financiers etc. This insurance will cover loss or damage
to works and Legal Liability arising from the execution of the projects.
 Advanced Loss of Profit (CAR/EAR or Marine)
A very important feature of these policies are that they are specifically
designed to cover loss of revenue resulting from delay in completion of the
project as a result of loss covered under Marine Policy or EAR/CAR policy.
 Electronic Equipment
Specifically designed to cover loss or damage to electronic equipment, cost of
rewriting the data or loss of revenue resulting from loss or damage to EDP
equipment etc.
 Boiler Machinery Breakdown
A specific policy designed to cover only the boiler and Machinery Breakdown.
Cover can also be further designed to cover loss of revenue resulting from
material damage (i.e. Machinery Breakdown).
 Deterioration of Stock
This policy covers loss of or damage to perishable goods whilst in the cold
stores resulting from rise or fall in temperature.

9.  Kidnap and Ransom
This policy would cover Ransom money and associated risks arising from
Kidnap and Ransom.
 Political Risks
This policy covers loss arising from Confiscation, Nationalisation,
Expropriation and Deprivation etc risks associated with operations in a foreign
country.
 Terrorism and Sabotage insurance
Standard policies exclude Terrorism and Sabotage exposures. This specific
policy would cover such risks.
Owner controlled major Development projects
Some of the major Development projects insured by NGi for Project owners covering
the interests of all parties including developers, contracting groups etc. are:
 Emaar projects
 Al Nakheel projects
 DIFC
 Union Properties
 Government Private Housing Scheme