Miscellaneous Insurance To Complete Your Business Insurance

Team in the meeting room celebrating the success

SMI Supreme Insurance

Safeguard your business and assets at a time when
many cannot afford to be disrupted by setbacks caused
by unforeseen risks. It comprises a selection of 8
insurance classes, all packaged at competitive rates.

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SMI Supreme Insurance

Benefits

Comprehensive coverage against burglary, public liability, loss of money, employer’s liability, personal accident, fidelity guarantee, loss of plate glass and inconvenience benefit. Additionally, we offer an optional add-on coverage for Food & Beverage product recall.
Competitive premium from as low as RM 33.30 per month.
Inconvenience benefit with up to 10% of the net claim payable under the material damage policy or the maximum of plan limit amount, whichever is lower when the insured property is destroyed or damaged by covered perils.
Personal Accident coverage for employees against permanent disablement or death arising from accidents.

Flyer (English & BM)

Policy Wordings

Product Disclosure Sheet

Fidelity Guarantee Insurance

Provides indemnity to the employer against loss of
money or property as a result of acts of fraud or
dishonesty of any employee during the uninterrupted
continuance of employment in connection with the
occupation and duties of the said employee.

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Fidelity Guarantee Insurance

Benefits

Provides indemnity to the employer against loss of money or property as a result of acts of fraud or dishonesty of any employees such as forgery, embezzlement, larceny or fraudulent conversion.

Policy Wordings

Proposal Form

Burglary Insurance

Covers against loss or damage to property consequent
to actual, forcible and violent entry into or exit from the
premises, damage to insured property or to the
premises as a result of theft or any threat including
armed robbery or a hold up.

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Burglary Insurance

Benefits

It covers loss or damage to property insured whilst contained in the business or trade premises arising from:

Theft by actual, forcible and violent entry
Theft or attempted theft by a person feloniously concealed on the said premises
Hold-up or armed robbery

You can insure your property based on the following sum insured :

FULL VALUE BASIS

This basis is adopted when there exists a possibility of your entire property insured being stolen at any one time. You must ensure adequacy of the sum insured since the insurance will be subject to the Average Clause where you will not be fully indemnified at the time of loss if the property is under insured. The correct sum insured should be what you consider to be the highest value at risk at any one time.

FIRST LOSS BASIS

This basis is adopted when it is not possible for your entire property insured to be stolen at the same time. The sum insured shall be based on your assessment.

Policy Wordings

Proposal Form

Product Disclosure Sheet

Glass Insurance

Covers replacement or payment for any accidental
breakage of the Plate Glass situated at the Insured’s
premises.

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Glass Insurance

Benefits

Provides coverage against any glass broken by fracture extending through the entire thickness of the glass as a result of an accident or misfortune. Plate glass in showrooms, offices, shops and buildings can be insured under this insurance.

Policy Wordings

Proposal Form

Product Disclosure Sheet

Money Insurance

Covers the loss of money whilst in transit within the
territorial limit specified in the policy and whilst kept in
locked drawers, safe or strong rooms on the business
premises.

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Money Insurance

Benefits

Provides coverage against loss of money whilst:

In transit from the Bank to the Insured’s premises.
In transit from the Insured’s premises to the Bank.
On the insured’s premises during business hours until disbursed.
Retained overnight in a locked safe or strong room on the insured’s premises until disbursed.