Licensing & Regulatory Information

Last Updated: August 31, 2026 Licensed & Regulated

Gulf Trust Insurance LLC is a licensed insurance brokerage operating in the United Arab Emirates. We are committed to full compliance with all applicable UAE insurance laws, regulations, and professional standards. The information below provides our regulatory details for your review and assurance.

Company & Licensing Details

Lines of Business

Gulf Trust Insurance LLC is authorised to place and broker the following classes of insurance on behalf of clients with UAE-licensed carriers:

• Motor Insurance — Comprehensive and third-party liability auto coverage.
• Property Insurance — Home, landlord, and commercial property coverage.
• Life & Personal Accident Insurance — Term life, whole life, and personal accident policies.
• Commercial / Business Insurance — General liability, professional indemnity, and commercial property.
• Health Insurance — Individual and group medical insurance plans.
• Marine Cargo & Hull Insurance — Coverage for goods in transit and marine vessels.

Carrier Network

Gulf Trust places business exclusively with insurance carriers that are:

• Licensed and authorised by the UAE Insurance Authority or Central Bank of the UAE.
• Rated "A" or better by internationally recognised rating agencies (AM Best, S&P, Moody's) where applicable.
• Compliant with UAE solvency and consumer protection requirements.

As an independent broker, Gulf Trust is not exclusively bound to any single carrier, enabling us to objectively source the best available terms for each client.

Regulatory Framework

Our operations are governed by, and we are committed to compliance with:

• Federal Law No. 6 of 2007 — Concerning the establishment of the Insurance Authority and Organisation of its Operations (as amended).
• Cabinet Decision No. 42 of 2009 — Regulating the insurance business in the UAE.
• Insurance Authority Board of Directors Decision No. 15 of 2013 — Concerning regulations for insurance brokers.
• Central Bank of the UAE — Applicable financial services regulations following the transfer of insurance sector supervision.
• UAE Federal Decree-Law No. 45 of 2021 — Concerning the Protection of Personal Data (PDPL).
• All applicable anti-money laundering (AML) and counter-terrorism financing (CTF) legislation under UAE federal law.

Consumer Protections

As a licensed insurance broker in the UAE, Gulf Trust Insurance LLC is obligated to:

• Act in the best interests of clients at all times.
• Provide clear, accurate, and transparent information about insurance products and pricing.
• Maintain professional indemnity insurance coverage.
• Maintain client funds in separate, dedicated accounts in accordance with regulatory requirements.
• Handle complaints fairly and promptly, and refer unresolved disputes to the UAE Insurance Authority where required.
• Comply with all data protection obligations under UAE law.

Complaints & Disputes

If you have a complaint regarding our services, please contact us in the first instance:

• Email: info@gulftrustinsurance.com
• Phone: +971 52 609 0768

We aim to acknowledge all complaints within two (2) business days and to resolve them within fifteen (15) business days. If you are not satisfied with our resolution, you may refer your complaint to the relevant regulatory authority.

Regulatory Authority Contact

The UAE insurance sector is supervised by the Central Bank of the UAE. For regulatory enquiries or escalated complaints:

• Central Bank of the UAE: www.centralbank.ae
• Consumer Protection Department: Available via the CBUAE official website.