Comprehensivebusinesssolutionspackagefor SME & SMIPakej Penyelesaian Perniagaan yang Menyeluruh untuk PKS & IKS

Malaysia

Burglary (First Loss Basis)

Covers loss or damage due to theft and/or robbery of your stock in trade, o�ce equipment and other contents including damage

to your premises.

We understand your desire as an entrepreneur to drive your business to greater heights. Therefore, we o�er you Business Shield for Small Medium Enterprises and Small Medium Industries packaged policy to cover your business risks against Fire and other business needs in any situation. This package comes with 3 fixed plans and one flexible plan.

You and your business are our top priority.

affordable premiumsfor all plans

complimentarybenefits2 EXCLUSIVE

6-in-1ComprehensivePackageRM50,000 Fire Sum Insured

from as low as

Fire

Covers loss or damage to your property due to fire, lightning and explosion caused by gas used for domestic purposes.

The Policy is also extended to cover:

• Fire brigade expenses• Emergency Relief Benefits due to Fire or Flood (Non-Tari�)

You may extend coverage to the following risks by paying additional premium:

• Aircraft damage, earthquake and volcanic eruption, storm & tempest• Flood, explosion, impact damage, bursting or overflowing of water tanks or pipes• Subsidence and landslip• Bush/lalang fire, spontaneous combustion, sprinkler leakage• Riot strike and malicious damage• Damage by falling trees or branches and objects

description of coverage

Public Liability

Covers your legal liability to third parties including legal cost and expenses in respect of bodily injury and property damage.

Fidelity Guarantee

Covers direct Financial Loss due to an act of fraud or dishonesty committed by any of your employees.

Money

Covers loss of money in transit or theft within your premises. This product also indemnifies you for damage to locked safe, drawers, strong room or cash register and cabinets, where the money is kept, in the event of a theft or burglary. It also provides an additional 20% coverage for loss of money during festive season for both transit and premises risks.

Plate Glass, Signboard and Signage

Covers loss due to breakage or damage to glass, signboards and signages on the premise.

Exclusive Benefits

Anti-Theft System Replacement

Covers the reimbursement costs of burglar alarms, CCTVs or Central Monitoring System damaged by thieves or burglars from burglary attempt thereat.

Personal E�ects

Covers reimbursement costs to personal e�ects belonging to you or your employees as a result of theft or any attempt thereat including armed robbery and/or hold-up.

Add-on coverage (OPTIONAL)

Fire Consequential Loss

Covers for:• loss of profits • loss of revenue

• loss of rental • auditors’ fees

as a result of fire and/or other extended perils.

Mobile Equipment

Covers loss or damage to Mobile Equipment, its accessories or spare parts whilst thereon due to accidental collision or

overturning, fire, lightning, burglary, theft and other perils.

All Risks (Accidental Damage Only)

Covers accidental damage on all plant, machinery, mechanical equipment and apparatus, as well as all fixed o�ce machine and equipment, on your premise.

Employee Benefit - Group Personal Accident

Covers compensation upon death, permanent disablement and medical cost due to accidental bodily injury of your employees.

Employer’s Liability

Covers your legal liability to employees for occupational bodily injury whilst in the course of employment in your company.

section 2 : miscellaneous risk Business insurance (Mandatory)

2.1 Burglary* (First Loss Basis) 25,000 50,000 100,000 XXX

2.2 Money** a) Money in Transit 5,000 10,000 20,000 XXX

b) Money in Premises 5,000 10,000 20,000 XXX

c) Damage to Locked Safe, Drawer, 2,000 3,000 4,000 XXX Strong Room or Cash Register and Cabinets by theft

2.3 Fidelity Guarantee 5,000 10,000 15,000 XXX

2.4 Plate Glass, Signboard and Signage 5,000 10,000 15,000 XXX

2.5 Public Liability i) Any One Accident 250,000 500,000 750,000 XXX

ii) Any One Period Unlimited Unlimited Unlimited Unlimited

Coverages under Section 2 are compulsory to purchase. For Flexi Plan, you need not purchase Section 2.2 - Money and Section 2.3 - Fidelity Guarantee if they are not relevant to your business.

* Burglary Sum Insured should be less than 50% of Fire Sum Insured ** Additional 20% Coverage during festival season – For item 2.2(a) & 2.2(b)XXX Sum Insured to be determined by the Insured

262.30 523.20 848.70Dependson SumInsured

Annual Premium for Section 2

coverageSum Insured / limits of liability (RM)

Basic Premier Platinum Flexi

section 1 : fire plus insurance (Mandatory)

Annual Premium for Section 1 Depends on Sum Insured

Minimum premium for Section 1 is RM 75

1.1 Fire Plus Insurance To be determined by the Insured

coverageSum Insured / limits of liability (RM)

Basic Premier Platinum Flexi

section 4 : Add-on COVERAGE (Optional)

4.1 Fire Consequential Loss

4.2 Mobile Equipment*** Note: Excess of 10% of the Sum Insured applies on each and every loss (including loss of spare parts)

4.3 Employee Benefit – Group Personal Accident****

• Accidental Death & Permanent 50,000 75,000 100,000 Disablement per per per employee employee employee

• Accidental Medical Expenses 1,000 2,000 3,000 per per per employee employee employee

Up to Up to Up to max 5 max 5 max 5 employees employees employees

To be determined by the InsuredItemize the Sum Insured individually

To be determined by the Insured

Pleaseindicate

plan type,no. of

employeesand name.Flexi Plan

insuresup to

maximumof 20

employees

169.50 254.30 339.00Depends on

plan type& no of

employees

Annual Premium for Section 4.3

Annual Premium for Section 4.2 Depends on Sum Insured

3.1 Anti-Theft System Replacement Up to RM 1,000

3.2 Personal E�ects Up to RM 500

section 3 : EXCLUSIVE Benefits

Annual Premium for Section 4.1Depends on Sum Insured

Minimum premium for Section 4.1 is RM 75

1 Nuclear weapons materials, ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

2 War, invasion, act of foreign enemy, hostilities or warlike operation, or civil war hostility.

3 Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, or military or usurped power, martial law or state of siege.

4 Burning of property by order of any public authority or by subterranean fire.

5 Pollution or contamination.

Please refer to your policy document for the full list of exclusions.

general exclusions applicable to all sections

*** This coverage is specially designed to cover Equipment that are mobile, and not licensed for use on the road (e.g. Forklift, Pallet Truck, Welding Equipment and Compressor) and operating within the insured premise

**** 1. Eligible Age: Between 18 to 65 years old 2. Eligibility: All Malaysian and Non-Malaysian holding a legal work permit in Malaysia 3. Territorial Limit: 24 hours in Malaysia only 4. Class of Occupation: Class 1, 2 & 3 excluding all Hazardous Occupation

XXX Sum Insured to be determined by the Insured

4.4 Employer’s Liability 150,000 250,000 500,000 XXX

Any one Any one Any one Any one accident accident accident accident

4.5 All Risks (Accidental Damage Only)

28.80 48.00 96.10Dependson SumInsured

Annual Premium for Section 4.4

Sum Insured is identical to the plan selected in Section 1.1

(Fire Plus Insurance)

Annual Premium for Section 4.5 Depends on Sum Insured

coverageSum Insured / limits of liability (RM)

Basic Premier Platinum Flexi

• Your attention is drawn to the sixty (60) day Premium Warranty attached to the policy. By this warranty, the insurance policy is automatically cancelled unless the full premium is paid to the insurer within sixty (60) days from the commencement of cover.

• Section 1: Fire Plus Insurance and Section 2: Miscellaneous Risk Business Insurance are mandatory cover under the policy. However, Section 4 is an add-on coverage which can be purchased when required.

• Section 3 (Exclusive Benefits): This section is complimentary with the combined purchase of Section 1: Fire Plus Insurance and Section 2: Miscellaneous Risk Business Insurance (cover for Section 2.1 till Section 2.5).

• This brochure is not a Contract of Insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are stated in the policy contract.

• Please be informed that 6% Service Tax will be charged for all taxable general insurance policies with a period of insurance commencing on or after 1st September 2018.

• In the event of a conflict between the English and the translated versions of this brochure, the English version shall prevail.

Important Notes

Brought to you by TUNE PROTECT MALAYSIA Tune Insurance Malaysia Berhad

Company No: 197601004719 (30686-K)

Level 9 Wisma Tune 19 Lorong Dungun Damansara Heights 50490 Kuala LumpurP 1800 88 5753 F +60 3-2094 1366 hello.my@tuneprotect.com tuneprotect.com