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Takaful General Insurance Pla​ns for Small and Medium Enterprises



Al Rajhi Takaful General Insurance Overview

As an entrepreneur you work hard to maintain you assets and properties. Can you afford losing them? As an entrepreneur and owner of small or medium-sized enterprises (SMEs), you need a strong insurance partner who is able to cover all of your business insurance needs through innovative solutions to help you make the most of your workforce and also help in growing the business.

As a pioneer and leader in Saudi Arabia in Shari'ah compliant insurance products, Al Rajhi Takaful provides tailor-made solutions that fit the specific needs of SMEs, so they may grow safely and steadily. Al Rajhi Takaful is Best Takaful insurance for your business.

General Insurance Types we cover:

  • Property All Risks Insurance (mandatory cover)
  • Workers Injury Compensation and Employer’s Liability (In excess of the General Organization for Social Insurance)
  • Fidelity Guarantee Insurance
  • Public Business Liability Insurance​







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Property All Risks Insurance (mandatory cover)

This policy covers all physical loss, destruction or damage of the insured property, which may occur during the policy period, due to fire and allied perils including natural perils, like floods and earthquakes. Assets covered: buildings, plant and machinery, tools, instruments and accessories, furniture, fixtures and fittings, electrical installations, stock in trade.
Risks insured: fire and lightning, riots and strikes, earthquakes and explosions, acts of malicious intent, burglary by forcible means, loss of rent coverage, damage caused by enterprise vehicles, natural perils (flood, cyclone, windstorm, typhoon, hurricane, storm, and tempest), fall of aircraft or any other aerial device.
This policy covers all types of industry and trade groups, offices, service occupancies, households, and assets belonging to all sections of society, except warehouses and storage areas.​

Workers Injury Compensation and Employer’s Liability (In excess of the General Organization for Social Insurance)

This policy covers the employer against two main exposures arising out of injuries suffered by employees: It covers the employer's statutory liabilities under workers compensation laws for up to SR 1 million, while covering at the same time the liability arising out of employees' work-related injuries that do not fall under the workers compensation statute.

Other Insurance for SMEs

Fidelity Guarantee Insurance

This policy covers the employer against loss of money or property as a result of acts of fraud or dishonesty of any employee of the insured during the period of insurance, and during the uninterrupted continuance of employment of the said employee, and in connection with the occupation and duties of the said employees. The coverage limit amounts to SR 100,000 per person, with an aggregate limit of SR 2M during the policy period.

Public Business Liability Insurance

This policy covers enterprises against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of the insured business activities. It is designed for professionals who interact with customers or members of the public.​


Al Rajhi Takaful promise to deliver affordable solutions that best fulfill the insurance needs of our customers. We offer Sharia compliant insurance solutions keeping in mind the Islamic laws & traditions. The company provides innovative products and offers exceptional services that cater to the diverse needs of its customers across Saudi Arabia. This includes health insurance , travel insurance , motor insurance & more. Through our customer-centric approach, we look after your concerns to the best of our abilities.
We constantly strive to uphold the principles of ethics and fairness to achieve the best for our customers. We are a team of dedicated professionals, committed to the service of our clients. We offer you a range of plans that are tailored as per your needs. We not only provide value for money options but also ensure that customers’ needs are best met.
Whether it’s about securing your family’s financial expenses or safeguarding the things you care the most about, the answer is on your fingertip. Just browse through the array of policies we offer and choose the one that suits your needs well. In addition, you can also avail visitor visa insurance and medical malpractice insurance .
Compared to its peer insurance companies, Al Rajhi Takaful is descried as the most trustworthy insurance in Saudi Arabia and has a very convenient, simple, and effortless process for buying or renewing insurance policies . We aim to provide protection to our customers through simpler, reliable, and affordable insurance solutions.
To know more, you can reach out to us on our customer care number – +966 9200 04414 or pay a visit to your nearest Al Rajhi Takaful branch.