Z-Alliance Biz Protect
Comprehensively Simple For You.
With Z-ALLIANCE BIZ PROTECT Insurance, we have woven together all the coverage components so they are relevant to your business, no matter your industry.
It is a comprehensive product made simple, covering all the fine details of policies.
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With Z-Alliance Biz Protect Insurance, we have woven together all the coverage components so they are relevant to your business, no matter your industry. It is a comprehensive product made simple, covering all the fine details of policies.
Benefits
Burglary Insurance
- Property theft is covered only when the theft is accompanied by forcible or violent entry or exit by someone other than your own employees or loss as a result of an armed robbery or robbery with violence, plus damage to the premises. The property includes stock-in-trade, equipment, furniture, fixtures, fittings, and so on.
All Risks Insurance
- This policy protects the 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.
Money Insurance
- Coverage is provided against loss of money during transit or loss of money kept on your premises, as well as damage caused by theft, armed robbery or forcible and violent entry into your premises.
Fidelity Guarantee
- It provides cover for loss of monies and goods as a result of act of fraud or dishonesty of any of your employees. 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
- Compensation is provided for disability or death caused solely by violent, accidental, external and visible events. The insurance covers accidental Death and Permanent Disability.
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.
Additional Benefits
Aside from the broad package protection, you also get 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.
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SECTION A – PACKAGE BIZ PROTECT PLAN |
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Asset and Liability Protection |
Plan A Sum Insured/Limit (RM) |
Plan B Sum Insured/Limit (RM) |
Plan C Sum Insured/Limit (RM) |
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Annual Premium Inclusive of 8% Sales and Service Tax and Stamp Duty |
1,630 |
2,038.25 |
2,537.20 |
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Burglary (1st loss value) (no full theft)
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75,000 |
100,000 |
120,000 |
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All Risks
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30,000 |
50,000 |
100,000 |
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Money
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10,000 (MIP) |
12,500 (MIP) |
25,000 (MIP) |
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10,000 (MIT) |
12,500 (MIT) |
25,000 (MIT) |
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Fidelity Guarantee
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75,000 |
100,000 |
100,000 |
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Group Personal Accident (Death / Permanent Disablement)
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100,000 |
150,000 |
200,000 |
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Public Liability |
750,000 |
1,000,000 |
1,000,000 |
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Employers Liability |
500,000 |
750,000 |
1,000,000 |
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Additional Benefits:
*Provided the Fire Insurance Policy must be insured with Zurich General Insurance Malaysia
Berhad or Zurich General Takaful Malaysia Berhad |
5% of property damage claim amount or Max RM7,500 any one loss and during any one policy period |
5% of property damage claim amount or Max RM7,500 any one loss and during any one policy period |
5% of property damage claim amount or Max RM7,500 any one loss and during any one policy period |
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2. Personal Effects |
up to RM500/aggregate |
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3. Plate Glass |
up to RM3,000/aggregate |
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SECTION B – EQUIPMENT ALL RISKS INSURANCE ON] |
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On Static Machines and Equipment for Industrial Use |
Rate: 0.50% |
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How to Apply
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