RETAIL BUSINESS MATE INSURANCE

Introduction

Scope of Cover

Section 1 - Fire Insurance

This section covers your property  such as buildings, stock-in-trade, furniture, fictures and fittings, plant & machinery etc, against destruction or damage caused by fire and lightning. Other perils which may damage your property such as Storm, Flood, Explosion, Riot Strike & Malicious Damage etc, can be included.

Section 2 - Fire Consequential Loss Insurance

This will protect your business against loss of gross profit and increase in cost of working following a loss by an insured peril under the Fire Insurance.

Section 3 - Combined Insurance

• Burglary - covers your property such as stock-in trade, office equipment and other contents including damage to your premises against loss or damage due to theft or burglary.
• Money - covers your money against loss of money in transit or on your premises during and after business hours including armed robbery and hold-up.
• Plate Glass - covers all the plate glass on your premises against accidental damage.
• Fidelity Guarantee - covers your direct financial loss by any act of fraud or dishonesty committed by your employees.
• Public Liability - covers your legal liability to third parties for accidental bodily injury or damage to their property due to negligence or defects in your premises.
• Employer's Liability - covers your legal liability to employees for occupational bodily injury or disease.
• Personal Accident - protects you against accidental bodily injury or death due to accident on a 24 hours basis.

There are 3 plans of coverage for this Policy whereby Section (1) is a compulsory cover and Section (2) and (3) are optional covers.

For further information about this product, please contact our nearest branch and our customer service staff will gladly assist you.