Small & Medium Sized Enterprises Insurance (SME)
What can covered under SME?
Fire Insurance
Loss or damage to your property against fire or lightning
Optional
Consequential Loss
Provides coverage against loss of profits or revenue as a result of interruption in business operations due to fire or any perils insured under the Fire Section
Burglary
Theft of property within premises
All Risks
All Risks basis and covers you against loss of or damage to your insured property caused by fire, theft and any other accident during the period of insurance within the specifically location or territorial limit, provided always that such loss or damage is not caused by perils which are specifically excluded by this policy.
Money
Theft of cash within premises or whilst in transit
Plate Glass
Plate glass broken due to accident
Fidelity Guarantee
Provide protection against loss of money and/or property due to fraud or dishonesty of an employee.
Public Liability
Third party bodily injury or property damage
Employer's Liability
Statutory cover for employees against work-related injuries
Group Personal Accident
Personal injury or death to insured employees
Other Classes That Need To Fill Up The Respective Proposal Form
Directors & Officers Liability
An insurance to provide financial protection for directors & officers against the consequences of actual or alleged “wrongful acts” when acting in the course of performing their duties.
Professional Indemnity
Professional Indemnity Insurance helps protect professionals against legal liability for breach of professional duty in the conduct of their professional business practice
Trade Credit
Trade credit insurance is a type of insurance that protects businesses from the risk of default payment and insolvency. It cover both export and domestic credit sales.
Group Hospital & Surgical
Covers the cost of medical treatment and hospitalization due to accidents and illnesses for your employees.
Product Liability
Covers against any legal liability which you are legally obligated to pay the damage of personal injury or property damage arising out of your products which are manufactured, distributed and supplies by You.
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