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We understand the extra needs to shield your business from unforeseen risks. At Jerneh, we tailor-made insurance solutions to meet different needs of your business.

Introducing Biz ForSure, a comprehensive package inclusive of all the covers under one policy for your business including Fire, Consequential Loss, Burglary, Money, Plate Glass, Public Liability, Employers' Liability, Fidelity Guarantee and Personal Accident.

At affordable premium rates, our Biz ForSure minimizes your losses at unthinkable times.
Biz ForSure is what your business needs.

Schedule of Benefits:-
Section
Class of Insurance
Sum Insured / Limit of Liability (RM)
    Plan A Plan B Plan C Plan D
     
I Fire To be determined by You
     
II Consequential Loss To be determined by You
           
III Burglary 25,000 50,000 75,000 100,000
    1st Loss value or Total Sum Insured on Fire Insurance whichever is lower 1st Loss value or Total Sum Insured on Fire Insurance whichever is lower 1st Loss value or Total Sum Insured on Fire Insurance whichever is lower 1st Loss value or Total Sum Insured on Fire Insurance whichever is lower
           
IV Money :-  
           
  Money in transit  5,000 10,000 15,000 20,000
     
  Personal Accident for 2 employees 5,000 (per employee) 5,000 (per employee) 5,000 (per employee) 5,000 (per employee)
           
  Damage to safe / drawer / cabinet 2,000 2,000 2,000 2,000
           
  Money in locked safe/ strongroom during and/ or after business hours 5,000 10,000 15,000 20,000
           
  Money in locked drawer / cabinet during and/ or after business 1,000 1,000 1,000 1,000
           
V Plate Glass 1,000 3,000 5,000 10,000
           
VI Public Liability  
           
  Any One Accident 100,000 300,000 500,000 750,000
           
  Period of Insurance 2,000,000 2,000,000 2,000,000 2,000,000
           
VII Employers' Liability 1,000,000 1,000,000 1,000,000 1,000,000
           
VIII Fidelity Guarantee * 10,000 25,000 50,000 75,000
           
IX Personal Accident * (per person) 25,000 50,000 75,000 100,000
  Aggregate Limit (up to 4 person) 100,000 200,000 300,000 400,000
           
* Optional  


LIST OF DECLINED RISKS

No Occupation/Trades
1 Aircraft Components & Accessories
2 All Class 3 risks regardless of occupation
3 Antiques, Curios, stamps, work of art dealers & galleries
4 Banks, finance and other related trades
5 Camera/video dealers (photographic equipment) & tele-communication dealers (telephones, handphones including phone cards)
6 Chemical/Oleochemicals/Petroleum/Plastic/Paper/Rubber/Tin smelting industries including offshore platform
7 Chinese herbs & medicine, bird nests, shark fins and seafood shops
8 Cigarettes and cigars manufacturers and related tobacco risks/Wine, Liquor & Spirit Shops
9 Coin & Currency Dealers including money changers
10 Computers & Software (including Internet Cafes)
11 Construction risks or companies
12 Copper & Brass materials stores
13 Cosmetic & Perfumes retails and stores excluding those in shopping complexes
14 Electrical & electronic goods (tv, radio, hi-fi) & computer related shops except those located within shopping complexes/malls
15 Expensive Musical Instruments
16 Fishing related activities
17 Furriers, watch dealers and watchmakers, clocks, Watches & Pen
18 Gambling establishments/ Betting (4D & Magnum)
19 Hotels
20 Jewellers Block, Jewellers/Goldsmiths, Precious metals, diamonds, pawnshops
21 Massage parlours, Karaoke, pub, night club, bar, lounge and entertainment business including amusement arcades and recreational activities e.g. dancers, musicians, singers, actors, models, etc
22 Metal trade/hardware shops including engineering works excluding building hardware
23 Motor spare parts & accessories shops
24 New & Used Car Dealers
25 Petrol Stations
26 Photo Studio with expensive cameras
27 Quarry risks
28 Risks containing fireworks and explosive items
29 Risks located outside Malaysia
30 Security Guard Companies and private investigation firms
31 Shipbuilders/Shiprepairers/Airport hangar/Shipyard/Harbour
32 Textile/garments and related risks
33 Timber/furniture and related risks
34 Wafer fabrication/Waste disposal facilities
35 Warehouse
36 Workshops
37 Zinc & Aluminium Ingots Stores