RHB Property Insurance for Business & SME

Apartments & Condominium Insurance

Combines different classes of insurance to cover loss or
damage to property, liability and personal accident
matters for Joint Management Body (JMB) and Joint
Management Corporation (JMC).

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Apartment and Condominium Insurance

Benefits

Complimentary Risk Survey

Value-added service for your building’s safety.

Complimentary Full Theft Extension Cover

Extended Full Theft cover under Burglary class. Pays up to a limit of 20% of declared Sum Insured.

Flexi Plan

Besides the Fixed Plan stated in the Table of Benefits, we also cater for a Flexi Plan based on your requirements.

Table of Benefits

Benefits	Plan 1 (RM)	Plan 2 (RM)
Money In Premise (Inclusive of Money in locked drawer and safe)	10,000	20,000
Money in Transit (In the aggregate)	10,000	20,000
Damage to Safes, Drawer, Cabinet or Premises	10,000	20,000
Burglary	30,000	50,000
Plate Glass	30,000	50,000
Fidelity Guarantee	30,000	50,000
Machinery Breakdown	100,000	200,000
All Risks	100,000	200,000
Public Liability	1,000,000	2,000,000
Personal Accident (Per person, limited to twelve (12) persons)	20,000	30,000
Employer’s Liability	100,000	100,000
Professional Indemnity (E&O)	1,000,000	2,000,000

*Besides the Fixed Plan stated above, we also cater for a Flexi Plan based on your requirements.

Eligibility

All flats, apartments and condominiums managed by a Joint Management Body (JMB) or a Management Corporation (MC).

Brochure

Policy Wordings

Proposal Form

Product Disclosure Sheet

Fire Insurance

Covers building and contents from loss or damage
caused by fire and lightning. The coverage could also be
extended to include special perils.

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Fire Insurance

Benefits

Extended Coverage with additional premium:

Aircraft damage
Bursting or overflowing of water tanks apparatus or pipes
Bush/Lalang fire
Damage by falling trees or branches and objects therefrom
Earthquake & volcanic eruption
Electrical installations
Explosion
Flood
Impact damage
Riot strike & malicious damage
Spontaneous combustion
Sprinkler leakage
Storm, tempest
Subsidence & landslip

Policy Wordings

Proposal Form

Product Disclosure Sheet

Fire Consequential Loss Insurance

Covers loss of profit upon business interruption due to
fire or other extended perils covered under the
Standard Fire policy.

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Fire Consequential Loss Insurance

Benefits

Coverage

Loss of profits
Loss of revenue
Loss of rental
Standing charges
Wages or salaries
Increase cost of working due to business interruption

Extended Coverage with additional premium:

Prevention of Access
Public Utilities
Murder, Suicide, Pest, Food or Drink Poisoning or Defective Sanitary Arrangements
Suppliers within Malaysia, Singapore or Brunei
Customers within Malaysia, Singapore or Brunei
Accountant’s fees

Policy Wordings

Proposal Form

Business Machine & Equipment Insurance

Provides compensation if your machinery, equipment,
furniture, fixtures and fittings kept and/or used within
your premises suffer loss or damage caused by fire,
theft or any other accidental means.

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Business Machine & Equipment Insurance

Benefits

Can be extended to cover mobile equipment e.g. laptops.

Policy Wordings

Proposal Form

Product Disclosure Sheet

Fire Biz Supreme Insurance

An all-in-one insurance package solution tailored for
SMEs and Large Commercial risk with
sum insured of up to RM100 million.

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Fire Biz Supreme Insurance

Benefits

Cost-Effective Advantage: Enjoy up to 30% savings on your total insurance premium compared to separate policies.
Customisable: Build your policy from multiple insurance cover sections to fit your unique business needs.
Complimentary Fire Insurance Add-Ons: Get free add-ons like start-up expenses, cost of clearing blockages, emergency relief benefit, and cleaning service allowance.
Optional Extensions: Secure your coverage further with optional benefit such as the water damage extension for fire insurance.
Complimentary Burglary Insurance Add-Ons: Enjoy free add-ons like anti-theft system replacement extension and personal effect.