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Business Insurance - Business Guard
(Small Business Solutions)

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Table 1 : Target Market and Fire Rating

Target Market
Occupation
Rating
C1A
C1B
Services
  • Clinic
  • Foot Reflexology
  • Hair/Beauty Salon
  • Laundry
  • Bridal House (excluding handphone and prepaid cards)
  • Tailor Shop
  • Photocopy Services

0.131%
0.131%
0.218%
0.308%
0.223%
0.254%
0.254%

0.157%
0.157%
0.268%
0.379%
0.272%
0.314%
0.314%

Table 2 : Basic

Section
Coverage
Sum Insured / Limits Of Liability (RM)
1
 Fire *
To be determined by the insured (not exceeding RM3 million, please refer to the company). Subject to minimum premium of RM75.00
Tier 1
Tier 2
Tier 3
2
 Burglary & Robbery
30,000 or TSI** of Section 1, whichever is lower
50,000 or TSI** of Section 1, whichever is lower
80,000 or TSI** of Section 1, whichever is lower
Total Premium ***
Tier 1
Tier 2
Tier 3
 
 Services
300
500
800

OR

Deluxe
Section
Coverage
Sum Insured / Limits Of Liability (RM)
1
Fire *
To be determined by the insured (not exceeding RM3 million, please refer to the company). Subject to minimum premium of RM75.00
Tier 1
Tier 2
Tier 3

2 (a)

 

2 (b)

 

 

 

 

Burglary & Robbery

 

Money In Premises
- Duirng business hours

- After business hours (Locked Safe)

- Money in locked drawer / locked steel cabinet / locked cash register
Money In Transit

 

30,000 or TSI** of Section 1, whichever is lower

3,000

3,000

1,000

3,000

 

50,000 or TSI** of Section 1, whichever is lower

5,000

5,000

1,000

5,000

 

80,000 or TSI** of Section 1, whichever is lower

5,000

5,000

1,000

5,000

 

3
Plate Glass & Signboard
3,000
5,000
10,000
4
Public Liability
150,000
300,000
500,000
5
Payroll Protector *****
100,000
200,000
300,000
Total Premium ***
Tier 1
Tier 2
Tier 3
Services
595
963
1,393

*      Fire coverage includes Fire, Lightning, Explosion, RIot Strike and Malicious Damage, Bursting or
        Overflowing of water tanks, apparatus and pipes.
**     Total Sum Insured
***    Premium only applicable for benefits in section 2 for Basic Plan
****  Premium only applicable for benefits in sections 2(a), 2(b), 3, 4 & 5 for Deluxe Plan
***** Named Insured Persons are free from physical impairment or deformity

 

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