Personal Accident (PA)
This offers financial coverage to a collective group of individuals who belong to a similar group or company via employment. 

GROUP PA

This would include monetary payouts in the event of accidental death, permanent and temporary disablement to business owners and as well as employees arising from a covered accident

FOREIGN WORKER PA

It covers the cost of repatriating your foreign worker back to his or her country if it is required by the Malaysian Immigration Department. 

SCHOOL STUDENT PA

It offers monetary payouts to parents of school students in the event of accidental death and permanent disability. It includes reimbursement for medical expenses and cash allowances if school students had been admitted into a hospital.

FISHERMAN GROUP PA

It compensates fishermen and their beneficiaries for injuries inflicted, disability, and death in the event of accident, violence, and sea disaster occurred during their employment on a fishing boat or vessel. 

ASSET / BUSINESS RISK

This offers a series of financial compensations from losses and damages to your business assets. They include: 

FIRE

It provides business owners and landlords monetary compensation for loss or damages onto buildings, machineries & equipment, furniture & fitting due to fire and lightning. The coverage could be extended where special perils such as storm, flood, and earthquake could be included.

FIRE CONSEQUENTIAL LOSS

This includes monetary payouts to compensate losses arising from loss of production, sales, and profits due to business disruptions caused by loss or damaged assets due to fire.

MONEY-IN-TRANSIT

This compensates business owners for losses incurred due to losses of cash, bank notes, currency notes, postal orders and money orders when they were in transit or were stored in locked drawers, safe, strong rooms, or at their business premises.

GOODS-IN-TRANSIT

This compensates business owners for losses incurred due to losses or damages to goods when they were transported on land by road or rail or by boat due to accident, fire, or theft while they were being loaded onto or unloaded from any vehicle or while they were being housed temporarily in the ordinary course of transit.

FIDELITY

It compensates business owners for financial or property losses due to acts of fraud or dishonesty from any of his employees.

BURGLARY

This insures against losses or damages incurred to the insured property as a result of theft, attempted threats which include hold-up or armed robbery, and violent entry into or exit from the business premises.

LOSS OF RENT

It compensates landlords from loss of rental income arising from their insured properties becoming uninhabitable due to fire or flood.

PLATE GLASS

This is suitable for owners of retail shops, offices, showrooms, and buildings with glass panels and structures for it insures against the risk of accidental breakages of glass in business premises.

EQUIPMENT ALL RISK

It compensates losses or damages inflicted to mobile equipment, spare parts and accessories arising from accidental collision, fire, external explosion, self-ignition, lightning and theft. 

Liability

This indemnifies business owners, directors, and officers from losses as a result of claims and expenses made against them for negligence, alleged acts, medical costs on foreign workers and injuries to a customer or members of public inflicted from usage of their products or from their business activities. 

PUBLIC LIABILITY

It insures the risk of business owners from losses arising from the need to compensate a customer or member of the public from a suffering of an injury or a loss incurred during the ordinary course of business. This coverage includes any related legal expenses spent by business owners from this incident.

PRODUCT LIABILITY

It insures the risk of loss incurred from compensating a customer from an injury suffered after using a faulty product designed, manufactured, and supplied by the business owner. 

PROFESSIONAL INDEMNITY

It insures against the full legal costs of defending against a negligence claim made by a client and losses arising from making compensation to the client from service-providing individuals and companies.

DIRECTORS & OFFICERS

This insures against the losses and legal costs to directors or officers of a corporation arising from a legal action brought to them for alleged acts in their capacity as directors and officers. This coverage could also be extended to include legal costs arising out of criminal and regulatory investigations. 

FOREIGN WORKER COMPENSATION

It indemnifies business owners from compensations to foreign workers to injuries inflicted on them arising from their both employment or non -employment. Business owners who are employing foreign workers are required under Section 26(2) of the Amended Act 1996 of Workmen’s Compensation Act 1952 to purchase this policy to protect their foreign workers. 

FOREIGN WORKER HOSPITALIZATION & SURGERY

It is known as the Foreign Workers Hospitalisation and Surgical Insurance Scheme (FWHS) or SKHPPA. This lowers the financial burden of business owners from medical expenses incurred for their foreign workers in the event of their admission into a hospital due to accident or illness. The policy is required before a work permit is issued to the respective foreign work by the Immigration Department of Malaysia. 

EMPLOYER’S LIABILITY

It insures business owners against losses arising from compensation to employees for injuries or diseases suffered arising out or during the course of employment. The coverage includes other related costs such as legal fees incurred by business owners and legal fees from claimants.

WORKMEN COMPENSATION

This compensates business owners against all sums which they would be liable to compensate employees who are not covered under SOCSO for their personal injuries inflicted which arise from accidents or occupational diseases in the course of their employment. 

ENGINEERING

This indemnifies business owners, particularly manufacturers and contractors, from losses and damages to their properties, third-party properties, and bodily injuries inflicted on individuals due to a breakdown, a collapse and an explosion of their plant, machinery and equipment. They include:

MACHINERY BREAKDOWN

This would compensate business owners for losses arising from sudden and unforeseen damage to plant, machinery and equipment while they are in operation or at rest or during cleaning, maintenance, inspection, overhauling, or relocation within the premises.

MACHINERY BREAKDOWN LOSS OF PROFITS

It compensates business owners for loss of profits due to a breakdown of its plant, machinery and equipment. 

BOILER & PRESSURE VESSEL

It offers monetary payment to business owners arising from losses due to a collapse or explosion to the insured plant and the property owned. This includes payouts to cover claims for injuries inflicted onto a person and damages to properties belonging to third-party owners due to the collapse or explosion.

CONTRACTOR ALL RISK

This offers monetary payouts to cover sudden and unforeseen damage and loss on contract works, plants, equipment, and machinery that are in use at construction sites.

ERECTION ALL RISK

This offers compensation to cover damages or losses on machineries, plants, steel works, structure, third-party property, and bodily injuries caused by erection and testing of machineries.  

BOND

It offers guarantees to the principal of a project for completion failure from its appointed contractors where the principal will be compensated for its losses. It includes:

PERFORMANCE BOND

It is a guarantee provided to the principal of a project where it will be compensated for losses arising from its appointed contractor’s failure to complete the project as per terms of the contract stipulated.

ADVANCE PAYMENT BOND

It is a guarantee provided to the principal of a project where it will be compensated for losses resulting from a failure to recoup their advance money paid to their contractors as per terms of the contract stipulated.

TRADER BOND

It is designed to protect the principal of a project where it is entitled to demand for the amount guaranteed in the bond from the insurer in the event of a non-performance from its appointed contractor.