Fire

Provides cover for Fire & Lightning. Additional Perils cover for Aircraft Damage, Earthquake & Volcanic Eruption, Storm & Tempest, Flood, Explosion, Impact Damage (incl. own vehicle), Bursting/overflowing of water tank, Bush & Lalang Fire, Subsidence & Landslip, Spontaneous Combustion, Riot, Strike & Malicious Damage, Damage by falling trees/branches, Sprinkler Leakage. Tenant’s clause can also be provided.

Fire Consequential Loss

Our standard cover is for Fire & Perils insured by you for Increased Cost of Working subject to economic limits. Loss of Gross Profit/Revenue basis can be arranged.

Machinery and Equipment All Risks

Provides cover for Equipment against Accidental Damage and Theft on a Replacement as New basis (if less than 5 years old).

Theft

Provides cover on a First Loss basis for losses involving forcible or violent entry or exit from your premises. Limited cover for damage to the Premises resulting directly from Theft. Can be extended to include armed robbery and holdup.

Money

Provides cover for money in transit, on the premises during and after working hours and in your private residence overnight, and damage to cash registers or a safe.

Money includes cash, crossed cheques, credit card vouchers, etc.

Public Liability

Covers your liability to the general public arising from the premises you occupy (including any signboards attaching thereto) and any commercial visits you make in Malaysia or overseas.

Employer’s Liability

Covers your liability to employees for bodily injury by accident or disease arising out of and during the course of their employment.

Plate Glass

Provides cover for accidental damage to glass on First Loss basis, not subject to Average.

The following covers are also available. These are not included in the basic package so talk to us or your intermediary and let us work for you.

Group Personal Accident

Benefits available include Death and Permanent Disablement, Temporary Disablement, Medical Expenses (Accident), Hospital Cash (Accident & Sickness).

Premium varies according to benefits and limits selected, occupation and number of employees.

Fidelity Guarantee

Provides cover against loss of monies or goods as a result of dishonesty by employee.

Premium varies according to limits selected and number of employees.