Business Safeguard

1. Fire and Lightning
2. Optional perils
   • Aircraft Damage
   • Earthquake and Volcanic Eruption
   • Storm, Tempest
   • Flood
   • Explosion
   • Impact Damage
   • Bursting or Overflowing of Water Tanks, Apparatus or Pipes (including repair or replacement cost up to RM5,000 of damaged water tanks, apparatus or pipes)
   • Electrical Installation Clause (B)
   • Bush/Lalang Fire
   • Subsidence and Landslip
   • Spontaneous Combustion
   • Riot, Strike and Malicious Damage
   • Damage by Falling Trees or Branches and Objects therefrom
   • Smoke Damage
   • Sprinkler Leakage

Select from:

Section B(I) - Money covered money in transit, Money via electronic funds transfer, Money in premises including money in locked safe, strong room, cabinet, drawers and cash registers or petty cash boxes and Damage to locked safes or strong rooms.

Section B(II) - Burglalry and Robbery covered the loss or damage to the insured property By theft, Armed robbery and hold up, Loss, damage or destruction of passport and/or title deeds, On a first loss bases without average, and Extension to cover theft not involving entry or exit by forcible means, subject to excess of RM5,000 for each and every loss.

Section B(III) - All Risks covered loss or damage to the insured property by any accident subject to the terms, exceptions, limits and conditions contained in the policy.

Section B(IV) - Fidelity Guarantee covered against any direct pecuniary loss which the Insured sustains by all acts of fraud or dishonesty committed by any of the Insured's employee(s).

Section B(V) - Public Liability covered liability in respect of Bodily injury (including death), Illness or disease of any person, Loss or damage to property as a result of an accident happening within the Geographical Limit and Costs and expenses of litigation.

Section B(VI) - Employer's liability covered employer's liability towards employees arising out of and in the course of their employment.

Section B(VII) - Plate Glass, Signboard and Signage covered breakage or damage to any of the Glass and Signboard and signage in the premises.

Consequential losses following a Fire or any of the Insured perils in Section A.

Section D(I) - Social media reputation risk covered Compensation for Public Relation expenses and Investigation costs incurred in response to publication of fake and/or untrue information relating to the Insured via social media.

Section D(II) - Restricted cyber risk allowance covered Inconvenience allowance for breach of Insured’s network or computer systems security.

Physical loss or damage to the insured property caused by an act of Terrorism or Sabotage, subject to excess of RM10,000 on each and every occurrence.