1. ALLIANCE (psc)
Alliance Insurance
Company Profile
Introduction
Paid Up Capital
Vision
Chairman’s Message
Our Company
 Call: +971 4 605 1111
Departments  Mail: alliance@alliance-uae.com
P General Insurance
 Visit: www.alliance-uae.com
R
O Individual Life Insurance
D
U Group Life & PA Insurance
C
TS Health Insurance
Credit Insurance

2. ALLIANCE Introduction
 Insurance. A necessity for the very existence of life that
throws in a lot of surprises. We all have had that
feeling…… that concern for the unknown tomorrow.
Insurance in this pursuit of protection – for life and assets.
 “There is no greater delight in life ….. Than to cherish a
sense of peace and protection against future loss.”
Precisely that is what Alliance Insurance is all about. To
protect your concerns, whatever its scope or magnitude.
 Welcome to Alliance Insurance, the leading composite
insurer with a complete range of insurance products and
services. That’s built on trust.
Insurance, you need it. Alliance Insurance – you deserve
it.

3. ALLIANCE Paid Up Capital
 Company’s Capital is raised to 100
Million from surplus generated from
operation.

4. ALLIANCE Rating
 A.M. Best Co. has assigned
Financial Strength Rating of A- (Excellent)
& Credit Rating of “a-” to Alliance.
The outlook for both ratings is stable.

5. ALLIANCE Vision
To be number one composite insurer in the Gulf
and beyond………
Mission Statement
To widen the area of our operation to as large a section of the
population as possible by providing :
1. Protection for Life and Assets;
2. Quality Service;
3. Security;
4. Conducive environment to the employees enabling
them to develop highest standards of Professional
competence and exemplary conduct.

6. ALLIANCE Chairman’s Message
“From a very humble beginning in 1975, under a decree issued by H.H.
Sheikh Rashid Bin Saeed Al Maktoum, Alliance Insurance has come a
long way to establish itself as one of the largest composite insurers in
the UAE.
Keeping pace with the colossal progress of the UAE, Alliance Insurance
has, and will, maintain a strong commitment to share the dynamic vision
of the Government. Over the years, excellence in the quality of our
products and services, has been the hallmark in our success and
development.
We, at Alliance, renew our solemn pledge to this great nation, its people
and to the Alliance Clientele – that Alliance shall share in the Progress
of this nation by contributing to its growth and well being. This belief in
our destiny to serve this nation shall continue to burn brightly in our
minds and deeds. And to ensure this, all our resources will be optimally
utilised ”

7. ALLIANCE Our Company
• We stand among the few leading Composite Insurers in the U.A.E. providing
for the multifarious insurance requirements of Life, Health, and General
Insurance products and services our clients under one roof.
• We have a network of branches conveniently located in various parts of the
country. A strong and trained group of marketing employees is supported by
a highly skilled, experienced, and professional, technical team.
• We have a proven history of loyalty to our customers and community.
• We have strong ties with the leading reinsurers in the world with varied
experience in areas of plan design, pricing, underwriting, management of
surplus strain, etc.
• We are your ideal partner for a complete financial planning services, advice
on Employee Benefit schemes or a comprehensive General Insurance
package.

8. ALLIANCE Departments
The General Division of our Company caters principally to
insurance of properties and liabilities. We have the following
Departments:
Motor Insurance Department which takes care of all matters relating
to the insurance of all types of Motor Vehicles.
Technical Department which caters to the customers’ need for
Marine Insurance (providing the much needed insurance
protection to shipments by sea , air, etc.), Property Insurance
(covering the Customers’ property against Fire and various related
perils including Burglary), Engineering Insurance (protecting the
booming Civil Engineering / Erection projects in the country, the
Contractors’ Mobile Plant & Equipment etc.), Liability Insurance
(insulating the Client against liability to their Employees, Third Party
etc.) and Accident Insurance (providing Money Insurance,
Burglary Insurance, etc.).

9. ALLIANCE Departments
Policy Holder Services (PHS) Department:
Providing risk protection at most competitive rates and on judicious terms
is our core business. Our portfolio comprises of both conventional and
non-traditional wide range products to cater to the individual needs of the
clients. At Alliance, customer reigns supreme. Prompt settlement of
claims is our hallmark.
Actuarial Department:
The Company benefits from the services of a firm of Consulting Actuaries.
It also has an in-house Actuarial expertise that works in collaboration with
the firm of Consulting Actuaries. This set-up enables us to deal with all
the technical aspects such as establishing the premium rates, reserve
liabilities, non-forfeiture values, etc.

10. ALLIANCE Departments
Group Life & Personal Accident Department:
The Group Life & Personal Accident (PA) department caters basically to
insurance needs of life as well as disability benefits either as a group
or as an individual. Our Secura Individual PA section takes care of
individual needs in terms of providing PA insurance schemes. Our
Group Life forms the life insurance portion of an employee benefit
package. Alliance Insurance’s Group Life & PA department offers a
full line of high quality group benefits plans at an affordable and
competitive terms.

11. ALLIANCE Departments
Health Insurance Department:
We provide best quality health insurance services to individuals, small
businesses and large organizations on both local and worldwide
basis. Our underwriting section prudently assesses and classifies
risk. Our claims section registers, checks, and pays the due claims
in an efficient and effective manner. We understand the needs of our
customers and clearly stand out from our competitors in the quality
of the service that we provide. This is all due to our extensive
market research and many years of specialized experience.

12. ALLIANCE Departments
Finance/ Investment Department:
We have a team of highly qualified finance and investment professionals
to look after the Company’s accounting and control procedures for the
benefit of our clients. We also ensure to keep our clients well informed of
the financial position of the Company through our financial statements.
Information Systems & Communications Department:
State of the art technology strengthens the structure of professionalism
that Alliance has established. Leading edge capabilities and continuously
enhancing information systems and communications to stay abreast of the
latest technology to serve our customers’ needs, is a top priority for
Alliance.

13. ALLIANCE Departments
Training Department:
We have a full-fledged Training Department, equipped with latest audio visual
equipment and manned by professionally qualified and competent personnel.
We help develop a professional culture and encourage the employees to
achieve professional excellence. We are active members of world’s renowned
insurance educational bodies, such as LOMA.
Agency Department:
Compilation of business statistics and monitoring producers’ business
performance are two core responsibilities of the Agency Department.
Agency department acts as a liaison between office and field
management.

14. ALLIANCE General Products
a) Fire and Related Insurance:
Fire insurance which has its origin in the late 17th century is now one of the most sought
after insurance in this market. The scope of cover has now been widened to
include a host of perils which include Lightning, Riots & Strikes, Malicious Damage,
Aircraft Damage, Impact Damage (by vehicles & animals), Storm, Typhoon,
Tempest & the like, Floods including overflow of accumulated rain water following
very heavy rains, Earth-quake and Burglary involving the use of force for entry into
or exit from the insured premises.
A Client’s property and other related interests whether movable or immovable which have
a pecuniary value or which if destroyed, lead to pecuniary loss can be covered
under a Fire Insurance policy.
In case of Manufacturing Units and Commercial Trading houses, particularly those dealing
with Exclusive Branded products, insuring loss/ damage to the property alone may
not be sufficient. The Client may suffer consequential loss by way of Standing
Expenditures (like Salaries & Wages, rent, Municipal taxes, etc.) and loss of future
earnings/ profits till such time the business (or manufacture) is brought back to the
same position as it was before the loss by the incidence of a peril covered. To
cater to this insurance requirement we have the Fire Loss of Profits Insurance,
otherwise known as Fire Consequential Loss Insurance or Fire Business
Interruption Insurance.

15. ALLIANCE General Products
b) Marine Insurance:
With the growth in international trade and commerce, there is an ever increasing
movement of cargo over long distances by various modes of transits.
Naturally, goods are exposed to various transit hazards. Our Marine
Cargo Insurance provide protection against such losses. Covers are
available for transits by road, rail, sea, or air, or even combined modes of
transport to/ from any part of the world.
Marine Hull Insurance offers protection against loss or damage to ships,
pleasure crafts, yachts, fishing vessels, etc. and the liability associated
with their operations.
Our Aviation Insurance Policies cover all aviation related risks such as loss
or damage to Air-craft hulls, spares, etc., Liability to Third Party,
Passengers, etc. and other related exposures.

16. ALLIANCE General Products
c) Engineering Insurance:
Ever since the Industrial revolution the need for specialized insurance has grown
multifold. As more and more technologically advanced machinery enters
the modern world our Machinery Break-Down Insurance and Electronic
Equipment Insurance policies have become more of necessity than an
option. Boiler Insurance is another speciality insurance which can be
provided by us.
Considering the tremendous boom in the Civil Engineering Constructions and
Erection of new manufacturing plants in the local market and the
complexity of the insurance requirements with more than one entity whose
interests need to be covered for the same project (e.g. the Principal,
Contractors, Sub-Contractors, Consulting Engineers, etc.), our Contractors
All Risks Insurance and Erection All Risks Insurance policies offer just the
right protection needed for these kinds of projects.
In addition, the Contractors may need to cover their Plant, Machinery, &
Equipment like the Shovels, Cranes, Bull-dozers, Fork-lifts, etc. which can
be covered under our Contractors Plant & Machinery Insurance.

17. ALLIANCE General Products
d) Liability Insurance:
In today’s world of high innovations and tough competition there is an increasing
awareness among the public of their own rights as well as of the duties
and responsibilities expected of those with whom they deal with .
Various Liability Insurance covers like the Public Liability Insurance,
General Liability Insurance, the Workmen’s Compensation
Insurance, the Employers’ Liability Insurance, Professional
Indemnity Insurance, & the Medical Malpractice Insurance
designed to protect the Insured against his legal liability for acts of
omission or commission are available for the benefit of our Clients. We
can proudly say that we even provide Airport Operators Liability Insurance
We offer specifically designed Professional Indemnity Insurance tailored to cater
to Hospitals, Clinics, Nursing Homes, Doctors (of various specialities &
general practitioners), Engineers, Architects, Accountants, Auditors,
Advocates, and Insurance Consultants.

18. ALLIANCE General Products
e) Accident Insurance:
We have the Bankers Bond Insurance (a specialized insurance scheme to
cater to the requirements of Banks and Exchange Houses), the
Jewellers Block Insurance [A comprehensive package of insurances
for jewellers], and Travel Insurance Schemes (to provide protection
against unexpected contingencies including Emergency Medical Expenses
and Liability).
In addition to the above our Cancellation of Events Insurance offers
protection to Event Organizers while our Home Protection Insurance
is a package of covers to take care of the needs of a house-holder. Our
Money Insurance offers protection to the Commercial Establishments in
respect of their Money-in-Safe and Money-in-Transit.

19. ALLIANCE General Products
f) Motor Insurance:
Motor Insurance deals with the insurance of road vehicles. While our
Third Party Liability Insurance covers the legal liability of the
Insured towards a third party for injury/ death or damage to
property, our Comprehensive Insurance provides the legal
liability cover as well as coverage for the insured vehicle itself
against accidental damage.
Both Third Party and Comprehensive covers are available with the
option to include personal accident cover for passengers and
drivers.

20. ALLIANCE Life Products
a) Life Division
Whole Life Assurance New Joint Life Plan Solidarity
Whole Life ltd. Payment Assurance Level Term Assurance
Endowment Plan Executive Term Assurance
Anticipated Endowment Limited Payment Term
Assurance
Junior Insurance Convertible Term Assurance
Joint Life Assurance Modified Term Assurance Plan
Child Protection Education Family Income Benefit
Optima (Investment & Protection Plan) Critical Illness Benefit
Supreme (The Capital Growth Bond) Accidental Death & Dismemberment
Quantum Four Plan Triple Accident Benefit

21. ALLIANCE Life Products
b) Group Life & PA Division c) Health Division
Secura Personal Accident Individual Health Care Plan (Global)
Group Life Insurance Individual Health Care Plan (Regional)
Group Personal Accident Corporate Health Care (Global)
Corporate Health Care (Regional)
Corporate Care Plan (HMO)

22. ALLIANCE Credit Insurance
Insurance is offered on
•Trade Receivables
•Business to business transactions
•Credit term not exceeding 180 days
•Portfolio basis
( it is not possible to insure selected buyers or transactions)

23. ALLIANCE Regional Offices
P.O.
Branch Address Box Emirates Tel: Fax:
Dubai,
Dubai 1st Floor, Warba Centre, Deira 5501 UAE
Pearl (9714) (9714)
Branch 2627900 2628600
Creek (9714) (9714)
Branch 2626400 2628600
Deira (9714) (9714)
Branch 2627600 2628600
Dubai, (9714) (9714)
L Bur Dubai 4th Floor, Al-Khaleej Centre
13th Floor, Al Batha Tower,
5501 UAE
Sharjah,
3552211
(9716)
3516055
(9716)
i Sharjah Al Buhairah, Corniche. 19665 UAE 5547111 5457300
3rd Floor, Ghanam Al Mazroui Abu Dhabi, (9712) (9712)
f Abu Dhabi Bldg. 3266 UAE 6336747 6219956
e Al-Ain
Mezzanine Floor, Saeed Al
Mazroui Bldg. 15246
Al-Ain,
UAE
(9713)
7642935
(9713)
7645654

24. ALLIANCE Regional Offices
P.O.
Branch Address Box Emirates Tel: Fax:
1st Floor, Warba Centre, Dubai, (9714) (9714)
Dubai Deira 5501 UAE 2626400 2625300
G Bur Dubai 4th Floor, Al-Khaleej Centre 5501
Dubai,
UAE
(9714)
3516070
(9714)
3516055
e 13th Floor, Al Batha Tower, Sharjah, (9716) (9716)
n Sharjah Al Buhairah, Corniche. 19665 UAE 5547111 5547300
e Abu
Dhabi
3rd Floor, Ghanam Al
Mazroui Bldg. 3266
Abu Dhabi,
UAE
(9712)
6326067
(9712)
6391531
r Mezzanine Floor, Saeed Al Al-Ain, (9713) (9713)
a Al-Ain Mazroui Bldg. 15246 UAE 7642935 7645654
l Jebel Ali Office No. F-16 16966
Jebel Ali,
UAE
(9714)
8815048
(9714)
8815459