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Commerical Insurance

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Work Injury Compensation

With Work Injury Compensation, your legal liability as an employer is taken care of.

Employers have a legal liability to their employees under the Common Law and the Work Injury Compensation Act (WICA). As such, this policy provides a holistic solution to safeguard an employer’s legal liability by covering the compensation claims.

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Comprehensive General Liability

Protect your business against financial consequences as a result of negligence.

Comprehensive General Liability (CGL) is a form of comprehensive insurance which offer covers in the event of damages or injury caused by a business operation or products, or on its premises.

There are two types of CGL policies - a claims-made policy that covers claim regardless of when the event took place and an occurrence policy where the event must take place during a set period.

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Public Liability

A comprehensive cover for legal liabilities arising from third parties due to acts of employees.

Companies are exposed to legal liabilities arising from accidents due to employees’ acts of negligence. Thus, this policy protects employers against legal liabilities arising from third parties who have a connection with their business. Employers can be assured that compensation for third-party property damage and bodily injuries are taken care of.

 

The coverage of this policy comprises of premises and operations, product liability and personal injury.

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Fire Insurance

An ideal solution to protect against loss or damage from perils.

The Fire Insurance protects your business property and assets against loss or damage from perils, such as fire. It covers the costs incurred when reinstating damaged internal structures and fixtures in the unfortunate event of a fire.

 

The coverage can be extended to include other risks (e.g. earthquake and flood damage), depending on your unique needs.

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Plate Glass

An extensive cover for plate glasses in your premises and showrooms.

The use of plate glasses in workspaces exposes you to the risks of accidental breakage, which may incur high replacement costs.

 

As such, this policy covers the replacement costs in the event of breakage of plate glasses due to an accident.

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Contractors' All Risks

Provide coverage for physical loss, material damages, covers legal liability on accidental third party property damages and/or bodily injury.

This policy provides an all risks cover during the construction period for contract works against loss or damage to property and third party liability for accidental bodily injury or property damage in connection with the performance of the contract, other than by an excluded cause.

Contractors’ All Risks insurance coverage is common for construction risks such as buildings, water tanks, sewage treatment plants, heavy civil works and infrastructure and etc.

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Industrial All Risks

A comprehensive coverage for your property and assets against accidental loss or damage.

Disruption in business due to minor accidents and breakdown of machinery may incur huge expenses and opportunity costs to the Industry. In the event of such unforeseen circumstances due to accidental loss or damage, the Industrial All Risks policy provides a broad scope of coverage, giving you the assurance you need. The policy covers all risks/perils such as fire, burglary, machinery breakdown, and business interruption.

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Money Insurance

Avoid accidental loss of cash with our Money Insurance.

Businesses may prefer the use of cash in business transactions, which makes them susceptible to the loss of money.

 

This insurance protects your business from loss of money in your premises and during transit.

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Business Interruption

Business Interruption Insurance is all you need to get back to business swiftly after an unexpected natural disaster.

Your business operations may be disrupted by unforeseen disasters, resulting in income loss and other inconveniences.

 

Our Business Interruption Insurance is here to cover the costs incurred in the event of unforeseen circumstances.

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Erection All Risks

Protect your engineering projects against third-party claims.

This policy provides all-risks coverage for the installation and erection of ready-built engineering projects against loss or damage to property and third party liability for accidental bodily injury or property damage. It provides comprehensive cover for moving or expanding a facility, dismantling and re-erecting it, and setting up a new project or individual machines. It protects your project works with significant risks against substantial financial loss in the event of such accidents.

Machinery/Equipment All Risks

Protect your machinery and equipment against accidental loss or damage.

Machine and equipment come with considerable risks, which can lead to accidental loss or damage. In the event of unforeseen loss or damage of these assets, it may incur expensive repair costs or require replacement.

 

Machinery/Equipment All Risks is your ideal solution to safeguard all your machine and equipment against such unforeseen and sudden circumstances. It covers events such as fire and lightning, flood, riot and strike, and theft.

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