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Commercial Fire

Commercial Fire

Commercial Fire

This product covers accidental physical loss, destruction or damage to property insured other than by an excluded cause and subsequent income loss resulting from such interruption or interference.

OVERVIEW – Comprehensive, flexible cover

Our expertise and experience enables us to create property damage solutions to suit the needs of your business, whether for specific sites, a number of sites or equipment, or against “all risks”.

Why You Need Commercial Fire Coverage?

Reducing flow on effects

Damage to your commercial property can threaten the whole business, when the cash flow is also halted. We can help with policies that cover not only the damage loss, but also the income and other expenses for the period.

Expert loss control engineering

Our insurers specialist team of loss control engineers helps to identify and reduce potential exposures, reducing the chance of loss and mitigating the impact of unexpected events.

Global support and expertise

When disaster strikes, local resources may be put under extreme pressure. The ability to call on global resources is one of the key strengths of our insurers international network of claims specialists, and vitally important to get you back up and running as quickly as possible following a major catastrophe.

BUSINESSES WE CAN COVER

Whether a healthcare practice, a manufacturing plant, a retail storefront, or an institution of higher education, certain commercial properties face mounting exposures from events such as fire, flood or even terrorism. These businesses need additional capacity to protect their high-value properties from a variety of natural or man-made threats.

WHAT IS COVERED?

  • High limits of up to RM1.0 Billion or more.
  • Property damage and business interruption coverage (Loss of Profit)
  • Natural catastrophe capacity, including earthquake, flood and windstorm
  • Extension to cover clients’ business interruption due to a loss at the premises of customers or suppliers (CBI)

Extensions to further enhance the coverage by the following perils:

  • Aircraft damage
  • Earthquake and volcanic eruption
  • Storm, tempest
  • Flood
  • Explosion
  • Impact damage
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Bush / Lalang fire
  • Subsidence and Landslip
  • Spontaneous combustion
  • Riot strike and malicious damage
  • Damage by falling trees or branches and objects
  • Sprinkler Damage
  • Electrical Installation Clause B
  • Smoke Damage
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