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Accident > Biz ForSure
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 |
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