Tokio Marine Combined All Risks Plus

Compulsory Cover

1. Fire and Special Perils
Covers loss or damage to your property caused by fire or lightning. For an additional premium, you can extend coverage to these risks.

• Aircraft damage
• Earthquake and volcanic eruption
• Storm/tempest
• Flood
• Explosion (Non-industrial without boilers)
• Impact damage (Including your own vehicle)
• Bursting or overflowing of pipes
• Subsidence and landslip
• Riot, strike and malicious damage
   

2. Money

Covers loss or damage of money (including money in the custody of the Insured’s director, partner or employee or any third party authorized by the Insured) during transit or kept in your premises.
 

3. Burglary
Covers property or any thereof while within the Insured’s premises, against

• Loss or damage by theft resulting from forcible and violent entry
   

4. Glass
Indemnifies you if glass at insured premises is broken by fracture through its entire thickness — as a result of any accident or misfortune not otherwise excluded.
 

5. Fidelity Guarantee
Covers you as an employer against any direct financial loss sustained by act(s) of infidelity or dishonesty by your employee(s) e.g. forgery, embezzlement, larceny or fraudulent conversion.
 

6. Machinery Breakdown
Covers your machinery (lift, air-conditioners, generators, transformers, fire fighting equipment and the like) against any unforeseen and sudden physical loss or damage whether at work or at rest, or being dismantled for the purpose of cleaning, inspection or overhauling, or in the course of the operations, or when being shifted within the premises during subsequent re-erection.

7. All Risks
Covers loss or damage to your property caused by

• Theft
• Any other accident or misfortune stated in the Policy Schedule

8. Public Liability
Indemnifies you against all sums you can be liable to pay compensation for

• Bodily injury to or illness of Third party
• Loss or damage to property within the premises

resulting from an accident as described in the Policy Schedule

9. Group Personal Accident
Compensates you for your Insured employee for bodily injury caused by accidental means which

• Injury shall solely and independently of any other cause, result in death or permanent disablement 

On top of that, funeral expenses will be paid in the event of accidental death of Insured employee.

10. Error & Ommission
Covers for claims brought against you, your former members of Management Corporation/Joint Management Body or your managing agent appointed by commissioner for the wrongful act committed or allegedly committed.