All Risks
Your smart business choice. Invaluable protection for your business assets.
What is All Risks insurance?
- It covers your assets at your business premises, and ensures you receive the full value if these assets are lost or damaged by
- Fire
- Theft
- Any other accident or misfortune
- The policy covers
- Office equipment, furniture, fixtures and fittings
- Industrial plants and machinery
- Renovations and office partitions that do not form part of a building
- Electronic equipment e.g. computers
- Mobile items e.g. notebooks, phones and cameras
Key coverage
Here is an overview of your coverage
All Risks
Loss of or damage to your workplace property, equipment, mobile gadgets and fittings, etc. due to perils such as fire, theft and any other accident or misfortune not specifically excluded in the policy.
How much is my premium?
Your premium may vary, depending on
- Risk exposure
- Your choice of the sum insured
- Our underwriting requirements
What we don’t cover
Any member of your workforce or household staff who is concerned as principal or accessory
- Damage resulting from:
- wear and tear, depreciation, gradual deterioration, mildew, moth, vermin or any process of cleaning, dyeing, repairing, restoring or renovating
- mechanical or electrical breakdown or derangement
- overloading or strain
- scratching or denting of any article, breakage of lenses, and breakage of brittle articles such as glass china earthenware, marble and gramophone records — unless caused by theft or fire
- war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war is declared or not) or civil war
- mutiny, strike, riot and civil commotion, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege
- Confiscation, nationalization, requisition and destruction or damage to property by or under the order of any Government, Public or Local Authority
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information
This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information is for reference only and is accurate as at 30/06/2012.
Note: As we want you to be fully satisfied that this policy will serve all your needs, please read it carefully. For a better understanding, discuss it with your agent or contact us directly.