Our Business Insurance Products
Protection and risk management solutions for your business
Fire Insurance
Protect your buildings, stocks in trade and other physical assets against accidental loss or damage caused by any one of the following perils:
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Fire and lightning
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Explosion
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Riot and strike
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Malicious damage
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Impact by road vehicles
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Flood
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Smoke damage
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Sprinkler Leakage
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Aircraft Bursting or overflowing of water tanks, apparatus or pipes
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Earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm, and flood arising therefrom
Business Interruption Insurance
To be taken together with a Fire or All Risks policy, this insurance covers the same perils stated in the Fire or All Risks policy.
Should your business operation be disrupted by a fire outbreak or happening of any of the insured peril, you will be compensated for loss of gross revenue, profit or other income. You will also be reimbursed for the additional cost of working such as renting alternate premises, additional wages, and other charges, that need to be incurred during this recovery period.
Machinery/Equipment All Risks
Cover your business machinery and equipment against accidental loss or damage.
Burglary & Theft
Cover accidental loss or damage to your business physical assets caused by theft consequent upon actual violent entry or any attempted threat into and upon your business premises.
Money Insurance
Cover accidental loss or damage to cash, currency notes, cheques, money order, and postage stamps while in your business premises or in transit.
Marine Cargo Insurance
Cover your physical assets transported by ship, rail, air, or land under the Institute Cargo Clauses A, B or C. The scope of cover ranges from “All Risks” cover under Clause A to a cover for specified perils under Clause B and C.
Fidelity Guarantee Insurance
Be reimbursed for direct pecuniary loss sustained by acts of fraud or dishonesty committed by your employees.
Plate Glass Insurance
Recover the cost of replacement of broken glass of similar quality or the value of the glass situated at your business premises if it is accidentally broken.
Public Liability Insurance
Cover your business legal liability against third party for bodily injury or damage to property arising from accidental negligent acts of your employees while engaging in business activities.
Cyber Security Insurance
Cover your business legal liability against third party for bodily injury or damage to property arising from accidental negligent acts of your employees while engaging in business activities.
EMPLOYEES BENEFIT
Work Injury Compensation Insurance
Indemnify against all sums for which you shall be liable to pay compensation either under the legislation or at Common Law if your employee sustains personal injury by accident or disease arising out of and in the course of his/her employment.
The Work Injury Compensation Act covers all employees in general who are engaged under a contract of service or of apprenticeship, regardless of their level of earnings.
Group Personal Accident Insurance
Receive the appropriate insured benefits if the insured suffers accidental bodily injury resulting in death or disablement arising from an accident.
SPECIALISED
Directors’ & Officers’ Insurance
Your directors and officers have to perform their duties with care and skill. As they are personally liable for any wrongful act committed in their capacity as your company’s directors or officers, it is vital to cover them from damages and legal costs arising from their fiduciary duties and liabilities imposed under Common Law or statutes such as the Companies Act.
With greater corporate governance and regulatory surveillance in place today, your company directors and officers are under increased pressure to carry out their duties and obligations carefully.
Contractors'/Erection All Risks
Cover against contingencies arising from construction or erection works. The coverage encompasses unforeseen and sudden physical loss or damage to the contract works and legal liability for bodily injury and property damage to third parties.