{
  "@context": "https://schema.org",
  "@type": "Dataset",
  "name": "UAE & GCC Energy Insurance Rate Benchmarks 2026",
  "description": "Indicative 2026 premium and rate benchmarks for UAE and GCC energy insurance — upstream oil & gas, offshore, LNG, refining, petrochemicals, pipelines and renewables.",
  "dateModified": "2026-08-01",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "creator": {
    "@type": "Organization",
    "name": "Tameen Insurance",
    "url": "https://tameeninsurance.ae"
  },
  "measurementTechnique": "Based on 120+ UAE and GCC energy placements and market quotations handled or reviewed by the Tameen Corporate & Energy Desk between Q3 2025 and Q2 2026, fronted by UAE-admitted carriers and reinsured into London, Zurich and Singapore",
  "keywords": [
    "energy-insurance-uae",
    "UAE",
    "GCC",
    "insurance benchmarks",
    "2026"
  ],
  "data": [
    {
      "segment": "Onshore oil & gas facility — property + BI",
      "limit": "USD 250M PD / 12-month BI",
      "premiumAed": "0.12% – 0.22% of TIV",
      "deductible": "USD 250k – 1M PD / 45-day BI",
      "yoy": "-3%"
    },
    {
      "segment": "Offshore platform / OSV package (H&M + P&I)",
      "limit": "USD 40M – 150M",
      "premiumAed": "0.85% – 1.45% of insured value",
      "deductible": "USD 250k – 500k",
      "yoy": "+7%"
    },
    {
      "segment": "Drilling rig — H&M + LOH + OEE (Control of Well)",
      "limit": "USD 50M CoW",
      "premiumAed": "0.95% – 1.60% H&M / USD 55k – 140k per well OEE",
      "deductible": "USD 500k",
      "yoy": "+6%"
    },
    {
      "segment": "LNG / regas terminal — PD + MB + BI",
      "limit": "USD 500M+",
      "premiumAed": "0.09% – 0.18% of TIV",
      "deductible": "USD 1M – 5M",
      "yoy": "flat"
    },
    {
      "segment": "Refinery / petrochemical complex — PD + BI",
      "limit": "USD 1B+",
      "premiumAed": "0.11% – 0.20% of TIV",
      "deductible": "USD 2.5M – 10M / 60-day BI",
      "yoy": "-5%"
    },
    {
      "segment": "Pipeline (onshore, per km)",
      "limit": "USD 100M",
      "premiumAed": "AED 1,800 – 4,500 per km p.a.",
      "deductible": "USD 250k",
      "yoy": "+4%"
    },
    {
      "segment": "Solar farm — construction CAR + DSU",
      "limit": "AED 500M contract value",
      "premiumAed": "0.16% – 0.30% of contract value",
      "deductible": "AED 250k / 30-day DSU",
      "yoy": "-4%"
    },
    {
      "segment": "Solar / wind — operational PD + BI",
      "limit": "AED 500M",
      "premiumAed": "0.10% – 0.19% of TIV",
      "deductible": "AED 250k",
      "yoy": "flat"
    },
    {
      "segment": "Green hydrogen / ammonia project (CAR + DSU)",
      "limit": "USD 300M+",
      "premiumAed": "0.28% – 0.55% of contract value",
      "deductible": "USD 500k – 2M",
      "yoy": "+9%"
    },
    {
      "segment": "EPC contractor — annual turnover CAR",
      "limit": "AED 250M any one contract",
      "premiumAed": "0.18% – 0.35% of annual turnover",
      "deductible": "AED 100k – 500k",
      "yoy": "flat"
    },
    {
      "segment": "Energy OT / SCADA cyber",
      "limit": "USD 10M",
      "premiumAed": "AED 180,000 – 480,000",
      "deductible": "USD 250k",
      "yoy": "+12%"
    },
    {
      "segment": "Environmental impairment liability (EIL)",
      "limit": "USD 25M",
      "premiumAed": "AED 165,000 – 420,000",
      "deductible": "USD 250k",
      "yoy": "+5%"
    },
    {
      "segment": "Political violence / sabotage & terrorism (LMA5390)",
      "limit": "USD 100M",
      "premiumAed": "0.05% – 0.14% of TIV",
      "deductible": "USD 100k",
      "yoy": "+18%"
    }
  ]
}