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United Arab Emirates — Dubaicontractor insurance & bonding requirements

Updated April 2026 · Source: Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020

Minimum requirements

General liability
$1,000,000
Auto liability
$500,000
Surety bond
$135,000
Workers' comp
Required for crews
Source: Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020

Licensed general contractors in United Arab Emirates — Dubaicarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.

Grade G1-G6 tiering. Bank guarantee (AED 500K at G4 baseline, ~$135K). Workers comp per UAE Labour Law.

Common questions

What insurance does a United Arab Emirates — Dubai general contractor need?

A United Arab Emirates — Dubai general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020.

How much is the surety bond for United Arab Emirates — Dubai contractors?

United Arab Emirates — Dubai requires a minimum $135,000 surety bond at the license level. Some project-size tiers or local authorities require additional project-specific bonds. See Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020 for the current schedule.

Who is the licensing authority in United Arab Emirates — Dubai?

Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020 is the authority for United Arab Emirates — Dubai contractor oversight. Public license lookup is available at https://www.dm.gov.ae/.

How does AskBaily verify contractors in United Arab Emirates — Dubai?

Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020's public register requires manual lookup. AskBaily ops verifies every United Arab Emirates — Dubai applicant within 72 hours of signup and suspends matches until verification completes.

What happens if a contractor doesn't carry the required insurance?

Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in United Arab Emirates — Dubai can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under Dubai Municipality Contractors Register + Dubai Decree No. 2 of 2020. That's why AskBaily's policy is to match only verified pros.

Nearby jurisdictions

AskBaily cities in United Arab Emirates — Dubai

Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.

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