An Insurance Hold Harmless Agreement is a critical risk management tool used in the United Arab Emirates to establish clear insurance obligations and indemnification arrangements between contracting parties. This document is particularly important in high-risk industries such as construction, oil & gas, and manufacturing, where significant potential liabilities exist. The agreement must comply with UAE Federal Law No. 6 of 2007 (Insurance Law), the UAE Civil Code, and relevant Insurance Authority regulations. It typically includes specific insurance requirements, coverage limits, claims procedures, and risk allocation provisions. The document is essential when one party wishes to ensure another party maintains adequate insurance coverage while also providing indemnification against specific risks.

1. Parties: Identification of all parties to the agreement, including the indemnitor (party providing indemnification) and indemnitee (protected party)

2. Background: Context of the agreement, relationship between parties, and basic premise for the hold harmless arrangement

3. Definitions: Key terms used throughout the agreement, including specific insurance-related terminology and scope of covered incidents

4. Scope of Indemnification: Detailed description of what risks, losses, and circumstances are covered by the hold harmless provision

5. Insurance Requirements: Specific insurance coverage requirements, including types of insurance, minimum coverage amounts, and rating requirements for insurers

6. Claims Procedure: Process for notifying and handling claims, including timeframes and documentation requirements

7. Duration and Termination: Term of the agreement and circumstances under which it can be terminated

8. Governing Law and Jurisdiction: Specification of UAE law as governing law and designation of competent courts

9. Notices: Format and addresses for official communications between parties

10. Entire Agreement: Standard integration clause confirming this document represents the complete agreement between parties