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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) |
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| Excess 1% of loss subject to min. RM500 |
10,000 |
30,000 |
50,000 |
75,000 |
| Commercial All Risks |
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| 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 |
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| - 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 |
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| Excess 10% of loss subject to min. RM1,000 |
10,000 |
30,000 |
50,000 |
75,000 |
| Personal Accident |
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| - covers up to 4 individuals who are the Business Owners and their Permanent Employees |
30,000 |
50,000 |
75,000 |
100,000 |
| Public Liability |
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| 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 |
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| 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 |
