A-Commercial Plus

A comprehensive coverage specially designed for businesses occupied in buildings of Class 1A Construction.

Section A: Fire

Provides cover to the insured in the event of loss or damage to the property insured due to:

• Fire

• Lightning

• Explosion (without boilers)

• Riot, Strike and Malicious Damage

• Bursting or overflowing of water tanks, apparatus and pipes


Section B: Burglary

Provides protection against loss of or damage to property insured such as stock-in-trade, furniture, fixtures and equipment within the insured premises due to theft through forcible entry to or exit from the building.


Section C: Money

• Provides protection against loss of monies by robbery or any such attempt thereat within the insured premises including damage to the premises.

• Provides protection against loss of monies by robbery outside the premises while being conveyed by an authorized personnel from bank to insured’s premises and vice versa only.

• Provides protection against loss of monies from locked safe or strongroom or locked cabinet or cash register and/or petty cash boxes or locked drawers by burglary or attempt thereat including damage to the premises.

• Plus Personal Accident (Assault) – Cover is provided for injury to 2 employees as a result of robbery, for the following benefit: - RM 10,000 following death or loss of limbs or sight or permanent total disablement


Section D: Public Liability

Provides protection against insured’s legal liability to third parties for bodily injury/death and/or property damage arising from accident happening during the period of insurance and in the course of the insured’s business.


Section E: Plate Glass

Provides protection against accidental damage to fixed glasses.


Section F: Employer’s Liability

Provides cover to indemnify the employer against his common law liability in respect of any personal injury sustained by his employee/s in the course of employment.


Section G: Group Personal Accident

Provides cover to you and your employees against accidental injury or accidental death.

This Package is specially designed to provide you with a comprehensive cover for your company and it is applicable to:

Premises of Building Class 1A construction

• Class 1A (Walls – Wholly bricks/concrete and Roof – Tiles/concrete/zinc/asbestos)