Business Protect is a type of insurance coverage that helps protect Micro, small and Medium-sized businesses from financial losses due to various risks and liabilities. It covers the physical assets, such as buildings, inventory, furniture, and equipment used for the business daily operations. It relieves you from financial burdens caused by unexpected events (i.e. damages to property, fire, liability to third party).
In the event of an unforeseen circumstance like property damage, liability claims, or employee injuries, business insurance provides financial protection. It can give operators and owners of Micro, Small, and Medium Enterprises peace of mind and assist in asset protection for their businesses.
Property Insurance
Safeguards you and your business from financial losses caused by a range of risks, including:
- Fire and Lightning
- Typhoon and Flood
- Earthquake Fire and Earthquake Shock Smoke Damage
- Explosion
- Vehicular Impact
- Falling Aircraft
- Riots, Strikes, and Malicious Damage Sprinkler Leakage
- Bursting or Overflowing of Water Tanks, Apparatus, and/or Pipes (BOWTAP)
Business Protect also provides additional coverage for:
- Fire Fighting Expenses
- Debris Removal Compensation
- Architect & Surveyor’s Fee
Comprehensive General Liability
Secures your business by offering protection against Third Party Claims stemming from property damage and/or bodily injury arising from business operations.
- Fire Legal Liability
- Tenant’s Legal Liability
- Premises Medical Payment
- *Deleterious Matter in Food and Drinks
- **Carpark Liability
* Applicable only to Restaurants, Kiosks, and Water Stations
** Applicable only to Restaurants
Employee Personal Accident Insurance
Ensures 24/7 protection for your employees in unexpected situations, covering up to four (4) specified employees aged up to 64 years old, both during and outside of work hours.
Money, Securities and Payroll Insurance
Provides compensation for the loss of your monetary assets stored within your business premises due to burglary or robbery. This coverage also extends to losses during the transportation of money to and from the bank due to robbery.
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