FIRE & PROPERTY
Fire insurance covers your property against losses or damages caused by fire, lightning and explosion caused by domestic gas.
The policy can be extended to cover the following risks by paying additional
- Aircraft Damage
- Earthquake and volcanic eruption
- Storm, Tempest
- Flood
- Explosion
- Impact Damage
- Bursting or Overflowing of Water Tanks Apparatus or Pipes
- Bush / Lalang
- Subsidence and Landslip
- Spontaneous Combustion
- Riot Strike and Malicious Damage
- Damage by Falling Trees or Branches and Object
Related Products
- Fire Consequential Loss Insurance
- Burglary Insurance
Fire Consequential Loss insurance covers loss of profit upon business interruption due to fire or other extended perils covered under the Standard Fire policy.
- Loss of profits
- Loss of revenue
- Loss of rental
- Standing charges
- Wages or salaries on payroll basis
- Increase cost of working due to business interruption
Related Products
- Fire Insurance
- Burglary Insurance
Burglary insurance provides protection against incidents of theft to your property. This policy covers losses or damages to your property and its contents in your business premis
- Theft by actual, forcible and violent entry
- Theft or attempted theft by a person feloniously concealed on the said premises
- Hold-up or armed robbery
Related Products
- Fire Insurance
- Money Insurance
Public Liability insurance is considered essential in businesses which involve regular interactions between the members of the public and the company such as retail businesses, restaurants, clinics and many more. The Public Liability insurance covers your legal liability to a third (3rd) party as a result of an accident happening in connection with your business operations. The insurance indemnifies you against all sums which you become legally liable for damages and claimant’s costs and expenses in re
- Bodily injuries including illnesses to any person
- Losses or damages to property
- Legal expenses incurred in your legal proceeding defence
Related Products
- Glass Insurance
- Product Liability
Plate glass in showrooms, offices, shops and buildings can be insured under the Plate Glass insurance. Shattered windows or glass doors can leave your business premises unprotected and vulnerable to theft. The Plate Glass insurance is an “All Risks” cover which indemnifies you for any glass broken by fracture extending through the entire thickness of the glass as a result of an accident or misfortune.
Related Products
- Burglary Insurance
- All Risks Insurance
Whether you are on your way to the bank to deposit your business earnings for the day or you prefer to keep the cash at your business premise, having Money Insurance could save you from unexpected financial loss in the event of robbery or theft. The Money Insurance covers the loss of your money whilst in transit and whilst in the premise. There are several options of cover under the Money Insurance.
- Money in premises
- Transit of earnings, wages and petty cash
- Direct transit of collections
- Transit of collections with stopover
Related Products
- All Risks Insurance
- Fidelity Guarantee
The All Risks insurance covers all risks except the risks which are specifically outlined to be excluded in the policy.
- Losses or damages to your property due to fire, theft or any other accidents or misfortunes
- Losses or damages caused by perils unless such perils are specifically excluded in the policy
Related Products
- Money Insurance
- Machinery Breakdown Loss of Profit Insurance
The Fidelity Guarantee insurance is able to mitigate employee infidelity risk by providing indemnity to the employer against loss of money or property as a result of acts of fraud or dishonesty of any employees such as forgery, embezzlement, larceny or fraudulent conversion. Most business owners are not prepared to face the infidelity of their employees and its negative implications. It is not unusual to know of situations where employees suddenly go missing with a substantial amount of company money or assets.
Related Products
- Money Insurance
- OneEB
- Employer’s Liability Insurance
Hole-In-One insurance is often purchased by a golf tournament host or sponsor as a protection against any golfers winning the large prize award(s) in a Hole In One contest. The insurance indemnifies you in respect of your assumed liability to pay the prize award to the first registered participant who achieves a Hole-In-One whilst taking part in the golf tournament.
Related Products
- Fire Insurance
- All Risks Insurance
The Allianz Hotel Shield provides comprehensive package insurance for hoteliers from fire and theft risks to assets, to insuring against employee and public liability claims.
- 9-in-1 insurance plan that covers risks of fire, fire consequential loss, money, burglary, glass, employees’ fidelity, public liability, personal accident and all risks
- Provides Emergency Relief Benefit
- 10% auto sum insured increase for money insurance during hotel peak seasons
- Provides Innkeepers’ Liability Benefit
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- Allianz Care SMI (Company)
- Workmen’s Compensation
- OneEB
The Smart Retail Shield provides comprehensive package insurance for retail proprietors in the service trade such as cafes, beauty salon, cake shops, clothing and sundry retailers and administrative offices like travel agencies and consulting firms.
- 6-in-1 insurance plan that covers risks of fire, burglary, money, glass, public liability and employer’s liability
- Provides Emergency Relief Benefit which serves as an immediate cash in the event of a loss
Related Products
- Allianz Care SMI (Company)
- Workmen’s Compensation
- OneEB
The Smart Shield provides comprehensive package insurance for apartment risks, run by Joint Management Bodies (JMB).
- 10-in-1 insurance plan that covers risks of Fire, Money, Burglary, Plate Glass, Fidelity Guarantee, Machinery Breakdown, All Risks, Public Liability, Personal Accident and Error and Omission
- Automatic Increase of Principal Sum Insured from 10% per year to a maximum of 30%
- No Claim Discount on premium
- Emergency Relief Benefit – an immediate lump sum cash given in the event of a loss
- Free extension to cover snatch theft
- Free extension to cover Full Theft for Burglary
Related Products
- Allianz Care SMI (Company)
- Workmen’s Compensation