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Smart Retails Shield
The Smart Retail Shield provides comprehensive package insurance for retail proprietors in the service trade such as cafes, beauty salon, cake shops, clothing and sundry retailers and administrative offices like travel agencies and consulting firms.
Coverage:
- Fire. This protects your building, stock and equipment.
- Burglary. This covers the contents in your premise including stock, computers and equipment.
- Money. This covers the loss by break-in to your premise and robbery during transit.
- Glass Breakage. This cover includes all built-in glass fixtures such as doors, walls, mirrors and sorts.
- Public Liability. This covers you if someone sues you for personal injury or damage to their property that occurs in connection with your business. For example, you could be sued if someone falls due to a spillage on your floor.
- Employer’s Liability. This safeguards you from financial claims by employee that sustained accidental bodily injury or diseases in the course of employment.
An immediate lump sum cash will be disbursed to you as supporting funds after a loss has occured, so you only have one thing in mind – to continue operating and no time for worries.
| Smart Retails Shield | Sum Insured (RM) | |||
|---|---|---|---|---|
| Plan 1 | Plan 2 | |||
|
432.50
+Fire Premium |
845.90
+Fire Premium |
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| 1. Fire Material Damage | ||||
| 1. Fire Material Damage | On Building / Stockin-Trade / Plant & Machineries / Furniture, Fixtures & Fittings including AirConditioners | Mandatory cover – Pricing and policy wordings as per Revised Fire Tariff. Note: Total Sum Insured should not be lower than the Burglary Limit according to the respective plan. |
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| 2.a) Burglary (First Loss) | ||||
| 2.a) Burglary (First Loss) | On all property of every description contained therein | RM 25,000 | RM 50,000 | |
| 2.b) Money | ||||
| 2.b) Money | i) Money in Premise ii) Money in Transit from Insured’s premises to Bank and vice versa |
i) RM 5,000 ii) RM 5,000 |
i) RM 10,000 ii) RM 10,000 |
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| 2.c) Glass (First Loss) | ||||
| 2.c) Glass (First Loss) | On all plate glass breakage as a result of any accident or misfortune | RM 1,500 | RM 3,000 | |
| 2.d) Public Liability | ||||
| 2.d) Public Liability | Third party accidental bodily injury and/or accidental property damage i) Any One Accident ii) Any One Period |
RM 250,000 Unlimited |
RM 500,000 Unlimited |
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| 2.e) Employer’s Liability | ||||
| 2.e) Employer’s Liability | Accidental bodily injury or disease to employees arising out of or in the course of employment i) Any One Accident ii) Any One Period |
RM 250,000 RM 250,000 |
RM 500,000 RM 500,000 |
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| Special Features | ||||
| Special Features | Relief Amount (RM) payable for any one loss and in aggregate | |||
| 3. Emergency Relief Benefits | ||||
| 3. Emergency Relief Benefits | i) Fire Material Damage
ii) Burglary |
RM2,500 RM500 |
RM5,000 RM1,000 |
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Recommend for you:
Insure your business online Hassle-Free
Package that covers you from all angles includes burglary, money in transit, money in premise, public liability, employee fidelity etc. Allianz has 2 packages for you. Firstly you have to decide
Step 1
Think how much is your desired fire insurance to cover your stock in trade.
Step 2
- Let us know what kind of business you are holding
- Example: My business is / is not a retail premise and is /is not with brick wall with tile/metal or concrete roof.
Step 3
Select package 1 or 2 as above
Optional Selection:
Option 1
Snap shot your previous year company fire insurance protection details with retail package schedule and send it to us via email, whatsapp or Facebook
- Copy of last year company fire insurance protection details with retail package schedule
Option 2
- Fill in the online-form completely with basic info requested
- Our person in charge will quote accordingly and reply you for standard cases if all information has been provided
- Check through the quotation sent to you so that all information are correct and confirm with us of your decision and make payment
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Authorized Agent for Allianz Malaysia
We are registered Agent with Allianz General & Life Insurance Company (Malaysia) Berhad. Insurance Policies are underwritten by Allianz.