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ASSET PROTECTION
| Asset Protection and Liability | Plan 1 Sum Insured/ Limit (RM) | Plan 2 Sum Insured/ Limit (RM) | Plan 3 Sum Insured/ Limit (RM) | Plan 4 Sum Insured/ Limit (RM) |
|---|---|---|---|---|
| Burglary (1st loss value) (no full theft) | ||||
| Excess 1% of loss subject to min. RM500 | 10,000 | 30,000 | 50,000 | 75,000 |
| Commercial All Risks | ||||
| Loss or damage to office equipment, computers, furniture & fittings Excess 1% of loss subject to min. RM500 | 5,000 | 10,000 | 20,000 | 30,000 |
| Money | ||||
| - in premises - in transit - personal assault | - 2,500 - 2,500 - 20,000 | - 5,000 - 5,000 - 20,000 | - 7,500 - 7,500 - 20,000 | - 10,000 - 10,000 - 20,000 |
| Fidelity Guarantee | ||||
| Excess 10% of loss subject to min. RM1,000 | 10,000 | 30,000 | 50,000 | 75,000 |
| Personal Accident | ||||
| - covers up to 4 individuals who are the Business Owners and their Permanent Employees | 30,000 | 50,000 | 75,000 | 100,000 |
| Public Liability | ||||
| Excess 1% of loss subject to min. RM500 (applicable to 3rd party property damage only) | 100,000 | 250,000 | 500,000 | 750,000 |
| Employers Liability | 500,000 | 500,000 | 500,000 | 500,000 |
| Inconvenience Allowance | ||||
| Payable in the event that the properties insured are damaged by Fire/ Lightning or Insured Named Perils (as stated under the Fire Insurance Policy which must insured with MSIG) | 5% of Property Damage Claim Amount or maximum of RM1,000, any one loss and during any one policy period | 5% of Property Damage Claim Amount or maximum of RM3,000, any one loss and during any one policy period | 5% of Property Damage Claim Amount or maximum of RM5,000, any one loss and during any one policy period | 5% of Property Damage Claim Amount or maximum of RM7,500, any one loss and during any one policy period |
| Annual Premium* | 328.00 | 805.00 | 1,176.00 | 1,176.00 |
| Annual Premium after deducting 10% no claim discount* | 296.20 | 725.50 | 1,059.40 | 1,536.40 |
