It provides cover against theft of property, only if accompanied by forcible or violent breaking into or out of the premises by any person or persons other than your own employees, loss as a result of armed robbery or robbery with violence and damage to the premises as a result thereof. Example of property: stock-in-trade, office equipment, office furniture, fixtures, fittings and the likes.
All Risks Insurance
It provides cover for commercial property from theft, accidental damage and contingencies that are not specifically excluded (building and stock-in-trade are excluded). Example of commercial property: office equipment, office furniture, fixtures and fittings.
It provides cover against loss of money during transit or loss of money kept in your premises and damage to your premises as a result of theft, armed robbery or forcible and violent entry into your premises.
It provides cover for loss of monies and goods as a result of act of fraud or dishonesty of any of your employee. The act of fraud or dishonesty committed by your employee must have happened during the period of insurance and be discovered during the period of insurance and within six months thereafter, or within six months after the death, dismissal or retirement of your relevant employee, whichever event shall happen first.
Group Personal Accident Insurance
It provides compensation in the event of disability or death caused solely by violent, accidental, external and visible events. Covers Accidental Death and Permanent Disability only.
Public Liability Insurance
It indemnifies you in respect of legal liability to pay compensation for third party accidental bodily injury, or accidental damage to the property of other persons, caused by or through the negligence of you and your employees.
Employer’s Liability Insurance
It indemnifies you against legal liability in respect of any bodily injury or disease by accident sustained by your employees caused during the Period of Insurance and arising out of and in the course of employment by you in the business.
On top of the broad package protection, you also enjoy these made-for-business benefits:
- Inconvenience Allowance
It provides you an allowance up to the limit specified in the Schedule in the event that the properties insured are damaged by Fire and/or Lightning or Insured Named Perils (as stated under the Fire Insurance Policy which must be insured with Zurich General Insurance Malaysia Berhad or Zurich General Takaful Malaysia Berhad).
- Personal Effects
You will be reimbursed up to the amount of RM500 in respect of loss or damage of personal effects carried or worn by you or your key personnel (only for one key personnel) present at the business premises arising from theft. This benefit is only payable once during the Period of Insurance.
- Plate Glass
You will be paid the actual cost of replacing and fixing the plate glass in its frame or in its normal location with plate glass of a similar type and quality to the plate glass that is broken. Subject to a maximum limit of RM3,000. This benefit is only claimable once during the Period of Insurance. Damage to property during installation or removal of glass; glass that is stock in trade or merchandise; or glass that is only scratched, chipped or discoloured; are excluded from the coverage.