The UAE has introduced a bold new Emiratisation strategy aimed at transforming the insurance sector by 2030. Under the plan, companies in the industry will be required to maintain Emirati workforce quotas ranging from 50% to 60%, depending on their size. The new targets are part of a broader effort to empower UAE nationals in key economic sectors.

As of June 1, 2025, Emiratis made up 2,159 of the 9,773 employees in the insurance sector—an Emiratisation rate of 22.09%. This marks a strong rise from 13.34% in 2022 and 21.64% in 2024. The previous strategy, covering 2022 to 2026, aimed for a 30% localisation rate by 2026, with an average annual growth of 3%.

To further boost inclusion, the strategy mandates hiring at least one Emirati annually in departments with two to 19 employees. For roles with 20 or more employees, a 30% localisation rate is required. Critical roles must meet a 45% localisation target, while leadership positions such as CEOs or general managers should be filled by Emiratis at a minimum of 30%.

To ensure companies follow the rules, the Central Bank has established a Supervision and Inspection Unit. This unit is authorised to issue fines of Dh60,000 per missing Emirati, calculated at Dh20,000 per localisation point. This move is aimed at curbing fraudulent Emiratisation practices and reinforcing accountability.

Beyond enforcement, the UAE is also investing in the development of Emirati talent. Over 6,000 nationals have completed professional training programmes in collaboration with international institutions. These programmes cover high-demand areas such as accounting, finance, auditing, artificial intelligence, data science, and anti-money laundering.

The move signals a clear commitment by the UAE government to strengthen local workforce participation and equip Emiratis with the skills needed for the future of finance and insurance.

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