SMART RETAIL SOLUTION

12 in 1 package for small to medium sized businesses! 12 in 1 package consists of Fire, Fire Consequential Loss, Burglary, Money, Glass, Fidelity Guarantee, All Risk, Deterioration of Stock, Goods in Transit, Personal Accidents, Public Liability and Employer’s Liability.

Customers can choose from two fixed plans which are divided into two sections:

Flexi Plan

Combined Single Plan

Construction Renovation Benefit

Up to RM500,000 or same as Public Liability limit whichever is lower per anyone occurrence/ aggregate, covers unforeseen physical loss during construction.

No Claim Discount(NCD)

NCD up to 20% subjected to no claims recorded. (Except Fire + Con Loss)

Renewal Bonus

Auto increase up to max 20% of the principal amount. (Except Fire + Con Loss)

Emergency Belief Benefit

An immediate lump sum cash disburse as supporting funds after a loss has occurred.

First Loss Without Average Clause

For all burglary and plate glass losses or damages.

No Excess

Nil excess for all miscellaneous classes
(Section 2).

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