Workmen’s Compensation Insurance

It is a policy which covers your statutory liability as an employer, to insure all your employees.

It protects you from any cost and compensation to an employee for personal injuries sustained by

• Accidents
• Occupational diseases

It covers both medical and legal costs which arise in the course of employment under

• The Workmen’s Compensation Act 1952
• Subsequent amendments to the Act
• Common Law

In addition, the policy may pay for all costs and expenses incurred with our written consent in defending any claim for such compensation.

https://www.mpigenerali.com/assets/pds/en/pds/Workmens-Compensation-Insurance.pdf

https://www.progressiveinsurance.com.my/business/liability/workmens-compensation/

https://www.rhbgroup.com/insurance/business-insurance/workmen-compensation/index.html

https://www.tokiomarine.com/my/en/business/products/liability/workmens-compensation.html

Bond Insurance

It guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.

https://www.progressiveinsurance.com.my/business/bonds/

Burglary/Theft Insurance

It is an insurance protection policy against theft within your business or trade premises of your business-related assets such as

• Stock-in-trade
• Furniture
• Fittings and fixtures
• Goods held in trust or on commission
• Machinery and tools
• Designs, patterns and moulds
• Office equipment of every description

It also covers damage to the property insured &/or premises due to theft.

https://www.mpigenerali.com/what-we-do/commercial/burglary-insurance
https://www.progressiveinsurance.com.my/business/fire-property/burglary/
https://www.rhbgroup.com/files/insurance/business-insurance/miscellaneous/burglary-insurance-pds.pdf
https://www.tokiomarine.com/my/en/business/products/property/burglary-insurance.html

Travel Personal Accident Insurance

Protects you against any bodily injury caused solely by violent accidental external and visible means even on short-term journeys.

https://mpigenerali.com/what-we-do/personal/travel-pa/travel-protection-plan

https://www.progressive.com/insurance/travel/

https://www.rhbgroup.com/insurance/personal-insurance/travel/index.html

https://www.tokiomarine.com/my/en/personal/protect/travel-sports/travellers-personal-accident.html

Personal Accident Insurance

It protects you from death or permanent disablement and medical expenses incurred as a result of an accident. A comprehensive personal accident plan that gives you maximum 24 hours worldwide protection with minimum cost.

https://www.mpigenerali.com/what-we-do/personal/personal-accident

https://www.progressiveinsurance.com.my/personal/progressive-personal-accident/

https://www.progressiveinsurance.com.my/personal/progressive-family-personal-accident/

https://www.rhbgroup.com/insurance/personal-insurance/personal-accident/index.html

Motor Insurance

Motor insurance is a compulsory class of insurance for all vehicles licensed to be used on public roads, as per the Road Transport Act 1987.

It is a plan which covers you for

• Accidental or fire damage to your vehicle
• Theft of your vehicle
• Liabilities to other parties for injury or death
• Damage to other parties’ property

https://www.mpigenerali.com/what-we-do/personal/motor

https://www.progressiveinsurance.com.my/personal/motor-insurance/

https://www.rhbgroup.com/insurance/personal-insurance/motor/index.html

https://www.tokiomarine.com/my/en/personal/protect/motor/motor-insurance.html

Marine Cargo Insurance

It covers loss or damage to your goods caused by peril insured while in transit from one place to another by sea or by air or by rail or land conveyance.

https://www.mpigenerali.com/what-we-do/commercial/marine-cargo

https://www.progressiveinsurance.com.my/business/marine/marine-cargo/

https://www.tokiomarine.com/my/en/business/products/marine/marine-cargo.html

Houseowners / Householders Insurance

This plan provides comprehensive protection.

• Loss or damage to your home and contents by
  • Fire
  • Lightning
  • Explosion caused by gas used for domestic purposes
• Compensation for fatal injury occurring by visible violence caused by thieves or by fire
• Extended coverage to metal smoke stacks, awnings, blinds, etc. against:
  • Hurricane,
  • Cyclone,
  • Typhoon, or
  • Windstorm

https://www.tokiomarine.com/my/en/personal/protect/home-property/houseowner-householder.html

https://www.progressiveinsurance.com.my/personal/householder-insurance/

https://www.progressiveinsurance.com.my/personal/house-owners-insurance/

https://www.rhbgroup.com/files/insurance/personal-insurance/property/houseowners%20policy%20pds.pdf

Group Personal Accident Insurance

It is a protection plan for you and your employees. It offers

• Death and permanent disablement benefits

• Covers the risks of unprovoked murder/assault, hijacking and Strike Riot Civil Commotion.
• The cover afforded is on 24 hours basis, covering accidents happening during the course of employment as well as accidents happening at home, in the course of traveling to the place of work and during social or sports activities not specifically excluded.
• The geographical limits is world-wide. Traveling by air as a passenger in any licensed passenger carrying aircraft on scheduled flights only is automatically covered.
• Options to customise your benefits and coverage to your needs

https://www.mpigenerali.com/what-we-do/commercial/group-personal-accident-insurance

https://www.rhbgroup.com/insurance/personal-insurance/personal-accident/index.html

https://www.tokiomarine.com/my/en/business/products/employee-benefits/group-personal-accident.html

All Risks Insurance

• It covers your assets at your business premises, and ensures you receive the full value if these assets are lost or damaged by
  • Fire
  • Theft
  • Any other accident or misfortune

• The policy covers
  • Office equipment, furniture, fixtures and fittings
  • Industrial plants and machinery
  • Renovations and office partitions that do not form part of a building
  • Electronic equipment e.g. computers
  • Mobile items e.g. notebooks, phones and cameras

https://www.progressiveinsurance.com.my/business/miscellaneous/all-risk/
https://www.rhbgroup.com/files/insurance/business-insurance/property-insurance/Business_Machine_and_Equipment_(All_Risk)_Insurance_PDS_092018.pdf
https://www.tokiomarine.com/my/en/business/products/property/all-risks.html

Money Insurance

In essence, it covers you for the loss of your money

• While it is in transit
• Within the premises

https://www.mpigenerali.com/what-we-do/commercial/other-insurances

https://www.progressiveinsurance.com.my/business/miscellaneous/money/

https://www.rhbgroup.com/files/insurance/business-insurance/miscellaneous/money-pds.pdf

https://www.tokiomarine.com/my/en/business/products/property/money.html

Contractors’ All Risks & Erection All Risks Insurance

These 2 policies are designed to meet the insurance obligation placed upon Contractors under the contract conditions.

• Contractors’ All Risks
  Covers buildings and civil engineering works under construction
• Erection All Risks
  Covers plants, machinery, equipment and steel structures like bridges in the course of erection

https://www.progressiveinsurance.com.my/business/engineering/contractors-all-risks/
https://www.progressiveinsurance.com.my/business/engineering/erection-all-risk/
https://www.tokiomarine.com/my/en/business/products/engineering/contractors-all-risk.html

Equipment & Machinery Insurance

It is a policy which covers mobile equipment that is not licensed for road use. This includes:

• Forklifts
• Excavators
• Mobile cranes
• Tractors
• Other self-propelled vehicles
• Static heavy equipment

It covers loss of or damage to

• Equipment/Machinery
• Standard accessories
• Parts in hand due to
  • Accidental collision, overturning and collision, or overturning resulting from mechanical derangement
  • Fire, external explosion, self-ignition or lightning
  • Burglary, housebreaking or theft

https://www.mpigenerali.com/assets/pds/en/pds/Machine-And-Equipment-Insurance.pdf
https://www.rhbgroup.com/files/insurance/business-insurance/property-insurance/Business_Machine_and_Equipment_(All_Risk)_Insurance_PDS_092018.pdf
https://www.tokiomarine.com/my/en/business/products/property/equipment-insurance.html

Employer’s Liability Insurance

It indemnifies the Insured against liability at law to pay compensation and claimant’s costs and expenses in respect of injury to the Insured’s Employees for which he is liable and will in addition to pay all costs and expenses with the Company’s written consent.

https://www.mpigenerali.com/assets/pds/en/pds/Employers-Liability-Insurance.pdf

https://www.progressiveinsurance.com.my/business/liability/employers-liability/

https://www.rhbgroup.com/files/insurance/business-insurance/workmen-compensation/employers-liability-pds.pdf

Fidelity Guarantee Insurance

It 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:-

1. During the period of insurance, and
2. During the uninterrupted continuance of employment of such employed, and
3. In connection with his occupation

https://www.mpigenerali.com/what-we-do/commercial/fidelity-guarantee-insurance

https://www.progressiveinsurance.com.my/business/miscellaneous/fidelity-guarantee/

https://www.rhbgroup.com/business/insurance/miscellaneous/index.html

https://www.tokiomarine.com/my/en/business/products/guarantee/fidelity-guarantee-insurance.html

Fire Insurance

This policy covers your property against loss or damage by

• Fire
• Lightning
• Explosion caused by domestic boiler
• Explosion caused by gas used for domestic purposes

https://www.mpigenerali.com/what-we-do/personal/fire

https://www.progressiveinsurance.com.my/business/fire-property/fire/

https://www.rhbgroup.com/files/insurance/business-insurance/property-insurance/fire-insurance-pds.pdf

https://www.tokiomarine.com/my/en/business/products/property/fire-insurance.html

Glass Insurance

It insures the plate glasses in your showroom, office or building.

https://www.mpigenerali.com/what-we-do/commercial/other-insurances

https://www.rhbgroup.com/files/insurance/business-insurance/miscellaneous/glass-pds.pdf

https://www.tokiomarine.com/my/en/business/products/property/glass-insurance.html

Goods In Transit Insurance

It is a policy that covers your insured goods against loss of or damage by

• Fire
• Theft
• Accidental means

Coverage applies whilst the goods are

• In transit in a road vehicle or train
• Housed in the ordinary course of transit

https://www.mpigenerali.com/what-we-do/commercial/goods-in-transit

https://www.tokiomarine.com/my/en/business/products/marine/goods-in-transit-insurance.html

All Risks Insurance

• It covers your assets at your business premises, and ensures you receive the full value if these assets are lost or damaged by
  • Fire
  • Theft
  • Any other accident or misfortune

• The policy covers
  • Office equipment, furniture, fixtures and fittings
  • Industrial plants and machinery
  • Renovations and office partitions that do not form part of a building
  • Electronic equipment e.g. computers
  • Mobile items e.g. notebooks, phones and cameras

https://www.progressiveinsurance.com.my/business/miscellaneous/all-risk/
https://www.rhbgroup.com/files/insurance/business-insurance/property-insurance/Business_Machine_and_Equipment_(All_Risk)_Insurance_PDS_092018.pdf
https://www.tokiomarine.com/my/en/business/products/property/all-risks.html

Bond Insurance

It guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.

https://www.progressiveinsurance.com.my/business/bonds/

Burglary/Theft Insurance

It is an insurance protection policy against theft within your business or trade premises of your business-related assets such as

• Stock-in-trade
• Furniture
• Fittings and fixtures
• Goods held in trust or on commission
• Machinery and tools
• Designs, patterns and moulds
• Office equipment of every description

It also covers damage to the property insured &/or premises due to theft.

https://www.mpigenerali.com/what-we-do/commercial/burglary-insurance
https://www.progressiveinsurance.com.my/business/fire-property/burglary/
https://www.rhbgroup.com/files/insurance/business-insurance/miscellaneous/burglary-insurance-pds.pdf
https://www.tokiomarine.com/my/en/business/products/property/burglary-insurance.html

Contractors’ All Risks & Erection All Risks Insurance

These 2 policies are designed to meet the insurance obligation placed upon Contractors under the contract conditions.

• Contractors’ All Risks
  Covers buildings and civil engineering works under construction
• Erection All Risks
  Covers plants, machinery, equipment and steel structures like bridges in the course of erection

https://www.progressiveinsurance.com.my/business/engineering/contractors-all-risks/
https://www.progressiveinsurance.com.my/business/engineering/erection-all-risk/
https://www.tokiomarine.com/my/en/business/products/engineering/contractors-all-risk.html

Equipment & Machinery Insurance

It is a policy which covers mobile equipment that is not licensed for road use. This includes:

• Forklifts
• Excavators
• Mobile cranes
• Tractors
• Other self-propelled vehicles
• Static heavy equipment

It covers loss of or damage to

• Equipment/Machinery
• Standard accessories
• Parts in hand due to
  • Accidental collision, overturning and collision, or overturning resulting from mechanical derangement
  • Fire, external explosion, self-ignition or lightning
  • Burglary, housebreaking or theft

https://www.mpigenerali.com/assets/pds/en/pds/Machine-And-Equipment-Insurance.pdf
https://www.rhbgroup.com/files/insurance/business-insurance/property-insurance/Business_Machine_and_Equipment_(All_Risk)_Insurance_PDS_092018.pdf
https://www.tokiomarine.com/my/en/business/products/property/equipment-insurance.html

Employer’s Liability Insurance

It indemnifies the Insured against liability at law to pay compensation and claimant’s costs and expenses in respect of injury to the Insured’s Employees for which he is liable and will in addition to pay all costs and expenses with the Company’s written consent.

https://www.mpigenerali.com/assets/pds/en/pds/Employers-Liability-Insurance.pdf

https://www.progressiveinsurance.com.my/business/liability/employers-liability/

https://www.rhbgroup.com/files/insurance/business-insurance/workmen-compensation/employers-liability-pds.pdf

Fidelity Guarantee Insurance

It 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:-

1. During the period of insurance, and
2. During the uninterrupted continuance of employment of such employed, and
3. In connection with his occupation

https://www.mpigenerali.com/what-we-do/commercial/fidelity-guarantee-insurance

https://www.progressiveinsurance.com.my/business/miscellaneous/fidelity-guarantee/

https://www.rhbgroup.com/business/insurance/miscellaneous/index.html

https://www.tokiomarine.com/my/en/business/products/guarantee/fidelity-guarantee-insurance.html

Glass Insurance

It insures the plate glasses in your showroom, office or building.

https://www.mpigenerali.com/what-we-do/commercial/other-insurances

https://www.rhbgroup.com/files/insurance/business-insurance/miscellaneous/glass-pds.pdf

https://www.tokiomarine.com/my/en/business/products/property/glass-insurance.html

Goods In Transit Insurance

It is a policy that covers your insured goods against loss of or damage by

• Fire
• Theft
• Accidental means

Coverage applies whilst the goods are

• In transit in a road vehicle or train
• Housed in the ordinary course of transit

https://www.mpigenerali.com/what-we-do/commercial/goods-in-transit

https://www.tokiomarine.com/my/en/business/products/marine/goods-in-transit-insurance.html