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Properties & Micellaneous

Fire Insurance

Safeguards your property against loss and damage.

What is All Risks Insurance?

It is a policy that covers your assets at your business premises and ensures you receive the full value if these assets are lost or damaged by fire, theft or any other accident or misfortune.

Why All Risks Insurance?

Benefits at a glance.

Assets Coverage

Covers assets at your business premises, and ensures you receive the full value if these assets are lost or damaged by:
- Fire
- Theft
- Any other accident or misfortune.

The policy covers:
- Office equipment, furniture, fixtures and fittings.
- Industrial plants and machinery.
- Renovations and office partitions that do not form part of a building.
- Electronic equipment, e.g., computers.
- Mobile items, e.g., notebooks, phones and cameras.

Key Coverage

Covers loss of or damage to your workplace property, equipment, mobile gadgets and fittings, etc., due to perils such as fire, theft and any other accident or misfortune not specifically excluded in the policy.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Burglary Insurance

Secures your business against theft.

What is Burglary Insurance?

It is a policy that provides insurance protection against incidents of theft at your to property.

Why Burglary Insurance?

Benefits at a glance.

Protection against theft

Protects against theft within your business or trade premises, covering your business-related assets such as:

Stock-in-trade.
Fittings and fixtures.
It also covers damage to the property insured and&/or premises due to theft.
Goods held in trust or on commission.
Machinery and tools.
Designs, patterns and moulds.
Office equipment of every description.

It also covers damage to the property insured and/or premises due to theft.

Options

2 available plans:

Full Value Basis
Designed for the possibility that your entire property is burgled.
You must ensure the sum insured is adequate because your policy is subject to average condition. If your sum insured is inadequate, you will not be fully indemnified at the time of loss.
First Loss Basis
Suitable if it is impossible for your entire property to be burgled at one time.
The sum insured is based on your assessment on the maximum probable loss at any one time.

Key Coverage

Theft-related coverage
Covers loss of or damage to assets within the insured business or trade premises, as a result of:

Forcible and violent entry
Theft or any attempt by a person hiding in the insured premises
Hold-up or armed robbery
Damage to the premises as a result of theft or an attempt to break in

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Equipment Insurance

It is a policy that covers mobile equipment that is not licensed for road use.

What is Equipment Insurance?

It is a plan that covers your plants, machinery and mechanical equipment whether at work, at rest or during maintenance operations.

Why Equipment Insurance?

Benefits at a glance.

Cover for mobile equipment

Covers mobile equipment that is not licensed for road use, including:

Forklifts
Excavators
Mobile cranes.
Tractors
Other self-propelled vehicles.
Static heavy equipment.

Key Coverage

Covers loss of or damage to:

Equipment
Standard accessories.
Parts in hand due to
- accidental collision, overturning and collision, or overturning resulting from mechanical derangement.
- fire, external explosion, self-ignition or lightning.
- burglary, housebreaking or theft.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Fedility Guarantee

Protects you against financial loss from employees’ dishonest acts.

What is Fedility Guarantee?

It is a policy that covers you for any direct pecuniary loss due to dishonest act(s) committed by your employees.

Why Fedility Guarantee?

Benefits at a glance.

Protection against loss
Covers financial loss due to dishonest acts by employees such as

Forgery
Embezzlement
Larceny
Fraudulent conversion.

Coverage is not limited to loss of monies but also extends to loss of real properties and merchandise.   

Key Coverage

Covers your financial loss or loss of goods arising from fraud or dishonesty by your employees:

During the period of insurance.
During uninterrupted employment of such employees.
In connection with the occupation and duties of such employees.
Discovered during
- the period of insurance.
- within 6 months thereafter.
- within 6 months after the death, dismissal or retirement of such employees, whichever occurs first.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Fire Consequential Loss

Protects you against losses due to business interruptions.

What Is Fire Consequential Loss?

It is a policy that complements your Fire Insurance Policy to cover you for losses from business interruptions.

Why Fire Consequential Loss Insurance?

Cover for losses
It is a policy that complements your Fire Insurance policy. It ensures coverage for:

Loss of profit.
Revenue
Rental
Standing charges.
Wages or salaries on a payroll basis.
Increase in cost of working due to business interruption as a result of fire and/or other extended perils.

Key Coverage

Fire Consequential Loss

Loss of Gross Profit (Difference Basis or Addition Basis cover)
Loss of Gross Revenue
Loss of Gross Rental
Standing Charges only
Wages (Dual Basis or 100% or Pro-rate)
Wages and Salaries on Payroll Basis
Increased Cost of Working only

In addition, you may insure the Auditors’ Fees as an additional item under the policy.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Fire Insurance

Safeguards your property against loss and damage.

What is Fire Insurance?

It is a policy that covers you for property against loss or damage by fire, lightning, and limited explosion.

Why Fire Insurance?

Protection for property

Covers your property against loss or damage by:

Lightning
Fire
limited explosion.

Key Coverage

Basic Cover

This policy covers loss or damage to your property due to

Fire
Lightning
Explosion caused by gas used for domestic purposes

Extended Coverage

For an additional premium, coverage may be extended to these risks

Aircraft damage, Impact damage, Earthquake and volcanic eruption
Storm and tempest, Flood, Explosion, Bursting or overflowing of pipes
Subsidence and landslip
Bush/Lalang fire, Spontaneous Combustion, Sprinkler leakage
Riot, strike and malicious damage
Damage by falling trees or branches and other objects

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Glass Insurance

Protects against glass accidentally breaking at your premises.

What Is Glass Insurance?

It is a policy that insures the plate glasses in your showroom, office, or building.

Why Glass Insurance?

Benefits at a glance.

“All risks” cover for plate glass

Indemnifies you for any glass broken by fracture extending throughout the entire thickness of the glass as a result of an accident or misfortunate not otherwise excluded.

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Money Insurance

Safeguards your money and ensures your financial well-being.

What is Money Insurance?

It is a policy designed to cover loss of your money while in transit and within the premises.

Why Money Insurance?

Benefits at a glance.

Varied types of cover

You can choose to insure the loss of your money for either, or both:

While it is in transit.
Within the premises.

What it Covers

The policy provides two forms of cover. You can choose to insure either one or both.

Transit risk (loss of money outside the premises)

You are covered for the loss of money by its:

actual destruction,
disappearance,
wrongful abstraction (robbery),

while being handled by authorised personnel. You have to assess the highest amount carried, as this represents the limit of liability for any one event.

Premises risk (loss of money inside the premises)

You are covered for the loss of money due to theft or robbery:

within the described premises.
for money kept in a locked safe, strong room and other receptacles.

You have to assess the highest amount of money kept in the premises at any one time as this represents the limit of liability for any one event.

In addition, you are also covered for the cost of repair or replacement of the safe, strong room or other receptacles

Key Coverage

Transit Risk
You are covered for the loss of money by : – its actual destruction

disappearance
wrongful abstraction (robbery)
whilst in transit by you or your authorised personnel.

Premises Risk
You are covered for the loss of money kept within the premises and in locked safe, strong room and other receptacles due to theft or robbery

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.