Business Insurance

Your workplace is secured under one comprehensive insurance policy, providing multi-layered protection.

This insurance not only protects your building, fixtures, and equipment, but also supports business continuity by helping prevent interruptions to your operations.

What Does Business Insurance Cover?

Core Coverages

1. Fire, lightning, and explosion
2. Storm
3. Internal water damage (caused by water/sewer pipes, heating, and air conditioning systems)
4. Impact by land vehicles
5. Impact by aircraft or aircraft parts
6. Debris removal and cleanup costs
7. Smoke and soot damage
8. Land movement
9. Structural and foundation damage
10. Snow load collapse or pressure damage
11. Strike, lockout, riot, civil commotion, sabotage, and terrorism
12. Fire liability (neighbors / property owner / tenant)
13. Loss of use (rent or income loss)
14. Alternative workplace usage expenses
15. Theft of fixed assets within the workplace
16. Temporary address relocation
17. Business interruption / business loss
18. Hail

Additional Advantage Coverages

Insulation Deficiency / Inadequacy

Covers damages caused by insufficient heat, moisture, or sound insulation. This coverage is particularly important for buildings experiencing water leakage or heat loss.

Safe Theft

Covers losses resulting from the theft of cash and valuables from safes or cash registers. Suitable for shops, offices, and businesses that handle cash.

Goods-in-Transit Insurance

Covers damages that may occur during the transportation of goods (by land, sea, or air). Provides protection against risks such as accidents, theft, overturning, water damage, and physical damage.

Optional Additional Coverages

Depending on your needs, the following coverages can be added to your policy:

1. Earthquake and volcanic eruption
2. Impact by marine vessels
3. Flood and inundation
4. Theft
5. (For pharmacies) Prescription and document theft
6. Glass breakage (showcases / interior décor)
7. Breach of trust (employee-related fraud)
8. Money in transit (cash transfer)
9. Machinery breakdown (on a first-risk basis)
10. Spoilage of goods in refrigeration units (for restaurants, markets, and food businesses)
11. Electronic equipment insurance (on a first-risk basis)
12. Damage caused by electrical fluctuations
13. Third-party liability
14. Professional liability (for pharmacies)
15. Employer’s liability (employee accidents – financial and bodily compensation)

Who Is It Suitable For?

Business Insurance can be structured flexibly to suit a wide range of industries.

For example, cafés and restaurants are more exposed to risks due to interior investments, high customer traffic, and active staff structures. In the event of a sudden incident affecting the workplace, customers, or employees, this policy provides strong and reliable protection.