 |
| Beneficial Life Agency |
 |
 |
|
|
|
|
| Business Advantage |
 |
| underwritten by |
| Running a business means that you are exposed to various risks. Business Advantage offers you full range of coverages to suit your business needs and budget. You decide on the coverage that your business needs under one umbrella policy. |
 |
|
| Main Cover - (Compulsory) |
| Fire and Lightning This section insures your physical assets, including buildings and furniture, fixtures & fittints, renovations, plant and machinery, equipment and stock-in-trade in the event of fire or lightning. Other perils such as earthquake, riot, strike and malicious damage, storm & tempest and impact damage can also be covered under this cover as required by you. |
| Optional Cover |
| Fire Consequential Loss This section indemnifies you for the loss of gross profit / gross revenue / wages or the increased cost of working you may incur if your business is interrupted because of loss, destruction or damage by an insured event. |
| Special All Risks This section insures your physical assets, including office equipment, furniture, fixtures and fittings on an "all risks" basis subject to exceptions stated in the policy. |
| Burglary This section indemnifies you against loss of property caused by burglary and theft to your insured property (including attempted theft). It also provides you with indemnity for damage to your premises, if you are responsible for making good such damage. |
 |
|
|
|
| Money This section reimburses you any loss of money, such as: |
 |
|
| Inside the premises and locked in a safe or strong room during business hours |
|
| Inside a locked safe or strong room in the premises after business hours |
| In transit anywhere within Malaysia |
|
| Plate Glass This section covers accidental breakage of glass. It can cover all kinds of fixed glass, such as sheet, silvered, wired, and other types of ornamental and lettered glass including non-reflecting windows. |
|
|
| Mobile Equipment This section insures any mechanically propelled vehicle / equipment which is not licensed for use on a road and which is not used on a road (vehicles used on roads should be covered by a motor insurance policy) |
| Fidelity Guarantee This section insures you against the loss of money or other property due to fraud or dishonesty by your employees. |
| Public Liability This section insures you against legal liability for third party bodily injury or property damage arising from your business. |
| Workmen's Compensation This section covers employers for the payment of compensation to workmen for injury suffered in the course of their employment in accordance with Workmen's Compensation Ordinance 1952, Workmen's Compensation (Amendment) Act 1976, Modification of Laws (Workmen's Compensation) (Extension and Modification) Order 1981, and Workmen's Compensation (Amendment) Act 1996. |
|
|
|
|
| Commercial : |
|
 |
|
|
|
 |
|
| Personal |
|
| Critical Illness |
|
|
|
|
| For more information about Business Advantage, please contact us at : 012-286 0363 / 012-202 8807 Or send us an e-mail at : benlife@gmail.com |