Tailor Made Business Insurances

Fidelity Guarantee Insurance

Benefits

This policy covers direct pecuniary loss sustained by the employer by all acts of fraud or dishonesty committed by any of the employed named in the policy :-

a.   During the period of insurance, and

b.   During the uninterrupted continuance of employment of such employed, and

c.    In connection with his occupation

Loss is payable, if the fraud or dishonesty is discovered :-

a.   During the policy period

b.   Within 6 months after the expiry of the policy period

c.   Within 6 months after the termination of the employment of the employee concerned.

Whichever happens first.


The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

Who is this for?

Designed for owners of small and medium sized businesses (SME), the Multi Biz Protector Enhanced is a customisable and comprehensive insurance plan that covers key business risks. 

Why Multi Biz Protector Enhanced?

Comprehensive 

 Most of the risk exposures are covered in this ‘one-stop’ package. There is no need to worry about what you may have missed out. 

Convenient

Main classes of insurance are packaged into one product. One product, one expiry date, one insurer, making it easy to manage.

Competitive

Especially for our customers, this package is priced competitively to cater to your needs.

Wider Coverage

Choice to extend additional insurance coverage for Inconvenience Allowance, Heavy Equipment, Machinery Breakdown, Goods in Transit and Products Liability.

Benefits

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

• First payout bene­fit within 5 working days (applicable to physical damage caused by ­re or other insured perils only)

• Second payout bene­fit (up to 10% of claims payable for selected plans) upon receipt of full documents and claims veri­fication

6 Built In Perils

Complimentary coverage that includes Aircraft Damage, Earthquake, Explosion, Bush Lalang, Riot Strike Malicious Damage, and Damage by Falling Trees, covering up to 10% of total sum insured or a maximum of RM1,000,000

Improvement Work Extension

Provides full Construction All Risks and Third-Party Liability coverage with limit up to RM200,000 for Material Damage and RM100,000 for Third Party Liability.

Complimentary Cover

Up to RM1,000 payout each on:

• Innkeeper’s liability (applicable to budget hotels, homestay, boarding house and rest house operator)

• Signboard / neon sign damage due to fire and windstorm

Extensions

Expediting expenses

Cover the necessary extra costs of temporary repair and of expediting the permanent repair, replacement or reinstatement of property insured, up to RM10,000

6 built in perils

Complimentary built-in perils -Aircraft Damage, Earthquake, Explosion, Bush Lalang, Riot Strike Malicious Damage and damage by falling trees with sub-limit of 10% of total sum insured, up to maximum of RM1million

Enhance your coverage from loss or damage caused by other named perils and more.

Download policy documents here

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