Essential SME Business Insurance
In today's world, business owners work around the clock to keep ahead of the competition, win business, handle staff and manage administration. We also know they have little time to think about managing all the risks involved. But their businesses do carry risks. As one of the world's largest and most established insurance companies, we understand these unique needs of coverage. That's why we have tailor made a range of insurance solutions to cater to most Small and Medium-sized Enterprise (SME) industries. When it comes to insuring business, owners are very protective - after all, we know what they think:
SMEs need experienced, knowledgeable insurers
We take each business one at a time. Providing insurance coverage to small businesses requires an in-depth understanding of a very wide range of industries - each industries, its size and services is unique. Before we present solutions, we take the time to get to know each business's needs and concerns.
Cost is also our concern
First we look at the size of business, its number of employees and location. Quite simply, a sole business owner/employee does not need as much coverage as a business that rents office space and caters for several full time employees. It's so important to address these questions before a business takes insurance cover. After all, buying the wrong cover incurs excessive premiums, a common concern for all SMEs.
All needs, all budget catered for
AIG's experience and understanding of SME's insurance needs is critical when it comes to selecting the right plan. Our research of specific industry characteristics and our team of underwriters are expert in identifying most common associated risks. Based on this comprehensive research, we have developed a range of "Smart" product packages and services designed to suit the needs and budgets of all SMEs.
Operating without the right cover can threaten the very existence of SMEs or the future viability of their business. It may also have dire consequences for employees. In addition, SMEs needs to keep abreast of legislative changes to ensure they own the right type of liability cover.
We are committed to educating small businesses regarding the measures they can take in selecting insurance plans and premiums. My Business My Choice works for SMEs.
Insurance is a MUST for all SMEs
In some shape or form, SMEs need insurance. Owning a factory, running a shop or opening an office all incur various liabilities that need to be covered. All SMEs require protection from unforseen events.
But, the range of insurance coverage is very diverse: Fire, Theft, Public Liability, Consequential Loss, Personal Accident, Legal Expenses represent the tip of the iceberg. My business My Choice branded products are available for most classes of insurance, ranging from retail, offices, services, wholesale and light industries.
Is Your Business At Risk?
One Policy For All Your Business Needs.
Basic Cover
Fire
In the event of a fire or a lightning strike, your business is protected against loss of, or damage to building, renovation, furniture, fixtures & fittings, machinery & equipment, stock-in-trade. For a small additional cost, non-physical items such as loss of rent, removal of debris, architecture & engineering fees may also be covered. This package helps you rebuild your business and gets you back on your feet sooner.
Burglary & Robbery
Give your business round the clock coverage against burglary/robbery and protect your goods and all property that is properly locked and secured in the premises.
Deluxe Covers
Money
Covers your cash, bank & currency notes, cheques, money orders, portal orders, against burglary/robbery whilst in transit to and from bank and in your premises during and after business hours.
Plate Glass & Signboard
Your signage and glass panel creates your business identity and are probably expensive and maybe difficult to replace. We will cover that against accidental damage/breakage of glass.
Public Liability
Accidents and mishaps may happen anywhere. Protect yourself against thrid party claims resulting from injuries or property damage on your premises.
Payroll Protector
Accidents are sudden, unexpected. They could have disastrous effects on your company's financial position. Payroll protector will help you face the unpleasant possibility of an accident and ensures that your business continues to grow. It is a coverage that alleviates the financial burden of a business owner in the event of accidental death and disablement.
There are 4 different types of coverage available which will suits to your business needs.
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