Protect Your Business, Power Your Growth
Tailored Insurance Solutions for SMEs & SMIs.
Secure your business with comprehensive insurance coverage designed for SMEs and SMIs. Choose from essential Commercial Fire coverage and up to 15 optional protections to suit your business needs.
Simplified Coverage, Maximum Protection
The SME & SMI Plan is a customizable insurance policy offering essential Commercial Fire coverage along with 15 optional protections. Perfectly tailored for your business, it ensures peace of mind and long-term security.
Mandatory Fire Protection
Covers your business against fire-related damages.
Customizable Options
Choose at least 2 coverages, including fire, for comprehensive protection.
All-in-One Solution
Consolidate your insurance needs into a single, cost-effective policy.
What Protection/Benefits Are Provided?
This policy covers the following:
Seamless Protection in Four Steps
Getting insured is simple and straightforward. Here’s how it works:
1.
Assess Your Risks
Identify the key risks your business faces with our experts.
2.
Choose Your Coverage
Select mandatory Commercial Fire coverage and at least two additional options.
3.
Get Your Policy
Receive your tailored policy document within a few days.
4.
Stay Protected
Enjoy 24/7 peace of mind with our reliable insurance support.
This policy covers loss or damage to your property due to fire, lightning, and gas explosions used for domestic purposes. You can extend coverage to the following risks by paying an additional premium:
- Damage by Aircraft
- Earthquakes and Volcanic Eruptions
- Storms, Typhoons
- Floods
- Explosions
- Impact Damage
- Bursting or Overflowing of Water Tanks, Appliances or Pipes
- Electrical Appliances and Installations
- Bush/Weed Fires
- Landslides and Landslides
- Spontaneous Combustion
- Riots, Strikes, and Malicious Damage
- Damage due to Fallen Trees or Their Branches
You can also choose Inconvenience Relief Benefit or Profit Protection, but only one of them.
You can choose to cover any of the following:
- Gross Profit Loss (Difference Basis or Additional Basis)
- Gross Income Loss
- Gross Rental Loss
- Fixed Charges or
- Salaries (Twin Basis, 100% or Pro-rata)
- Salaries and Wages based on Payroll
- Increased Operating Costs Only
This policy covers physical loss or damage occurring during the policy period due to Acts of Terrorism or Sabotage.
- Access Prevention
- Public Utilities
- Infectious Disease, Suicide, Food/Drink Poisoning, or Defective Sanitation
- Suppliers in Malaysia, Singapore, or Brunei
- Customers in Malaysia, Singapore, or Brunei
You can also insure Accountants Fees as an additional item in this policy.
SME & SMI Plan
This policy provides comprehensive coverage such as Commercial Fire (consisting of 3 Sections) as well as 15 other coverages. Fire coverage is mandatory, while other coverages are optional. However, you must select at least two (2) coverages under this policy (including the mandatory Commercial Fire coverage).
Info To Apply For The SME & SMI Business Package Plan:
Previous year’s Cover Note required (If Available)
If not available:
If not available: