Stock and premises
Fire, water or theft losses at a shop, office or warehouse.
Insurance claims settlement · UAE
Business insurance claims for SMEs.
A loss can stop a small business. When the insurer rejects or cuts the claim, we prepare the evidence, the figures and the complaint, so you can focus on running the business while we follow the case.
- Free eligibility review
- SMEs and sole proprietors
- Arabic and English
- Offices in 3 emirates
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Preview only: this form does not send requests yet.Can a small business complain about an insurance claim?
Yes. Sole proprietors and, in many cases, small and medium businesses can complain about a licensed insurer. The complaint goes first to the insurer, then, if it is not resolved, to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Business claims often turn on figures, so clear records of stock, equipment and losses are essential.
Common situations
Business claims we handle
These are the business cases clients bring to us most often.
Equipment and machinery
Damaged or stolen equipment the insurer disputes.
Company vehicles
Fleet and commercial vehicle claims.
Liability claims
Third-party claims your insurer should defend or pay.
Reduced payouts
Underinsurance, depreciation or valuation cuts.
Slow claims
Months of surveys and requests while the business waits.
What we do
What we do for your business claim
We present the loss in figures the insurer can check.
- Review the policy, sums insured and conditions
- Read the surveyor's report and the insurer's position
- Organise stock records, invoices and asset lists
- Present the loss in a clear schedule
- Answer underinsurance and valuation objections
- Draft the complaint to the insurer
- File with the Sanadak unit if it is not resolved
- Follow up until a decision
We work alongside your accountant if the loss involves stock valuations or financial records.
Documents
Documents for a business insurance complaint
The business
- Trade licence
- Policy wording and schedule
- Lease or ownership documents
The loss
- Stock records and purchase invoices
- Asset register or equipment list
- Photos and repair or replacement quotes
Reports and answers
- Police or Civil Defence report
- Surveyor or loss adjuster report
- The insurer's letters and correspondence
Also useful
- Audited accounts or VAT returns
- Bank statements for purchases
- Maintenance and security records
How it works
How we handle your claim
- 01
Free eligibility review
Send your policy and the insurer's reply. We tell you if you have a case and what is missing.
- 02
We prepare the file
We collect the evidence, organise the documents and draft a clear, well-argued complaint.
- 03
We file and follow up
We raise it with the insurer first, then with the Sanadak unit if it is not resolved.
- 04
Decision, or appeal
You get updates until the decision is issued, and we prepare your appeal if you need one.
The complaints route
Two stages, and we prepare both
Stage 1
Complaint to your insurer
The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. A complete, well-documented complaint at this stage often settles the case.
Stage 2
The Sanadak unit
If the insurer does not resolve it, or you disagree with its answer, the complaint goes to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Filing is free for consumers. Insurance disputes normally go here before court.
If you need to appealBefore you file
Before you file a business insurance complaint
- Keep stock records currentUp-to-date records are the strongest proof of the loss.
- Get the surveyor's reportAsk for a copy. It explains how the insurer valued the loss.
- Check the sum insuredUnderinsurance can reduce the payout. We check the calculation.
- Watch the deadlineComplaints can generally be filed within three years of the event, or two years from when you became aware of it.
Why Saadatak
Claims specialists, not a general typing centre
- We know why claims get rejectedWe check your file for every common reason before it goes in.
- The right papers, the first timeFewer requests for more information, fewer delays.
- Clear fees before we startThe first review is free, and you get a written quote before any work begins.
Business insurance claims: frequently asked questions
Can a company complain to the Sanadak unit?
Sole proprietors and, in many cases, SMEs can file complaints against licensed insurers. We confirm eligibility at the free review.
The insurer reduced our claim for underinsurance. Is that correct?
It depends on the policy wording and the real values at the time of the loss. We review the calculation.
Our stock records were damaged in the loss. What now?
Purchase invoices, supplier statements, bank records and VAT returns can help rebuild them.
How long does it take?
The insurer is usually expected to respond within 30 calendar days, then the complaint can go to the Sanadak unit. We keep you updated.
Is there a deadline?
A complaint can generally be filed within three years of the event, or two years from when you became aware of it, whichever is longer.
How much does your service cost?
The first review is free. Our fee is confirmed in writing before we start.
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