All Risks Insurance

Product information

All Risks Insurance Disclosure Sheet (English)

All Risks Insurance Disclosure Sheet (BM)

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

Why All Risks
Insurance?

Benefits at a glance.

Assets Coverage

Covers 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.

Key coverage

Here is an overview of your coverage

Cover for All Risks

Covers loss of or damage to your workplace property, equipment, mobile gadgets and fittings, etc., due to perils such as fire, theft and any other accident or misfortune not specifically excluded in the policy.

How much is my premium?

Your premium may vary, depending on

Risk exposure
Your choice of the sum insured
Our underwriting requirements

More product
information

All Risks Fact Sheet (English)

PDF, 384.13 KB

All Risks Fact Sheet (BM)

PDF, 386.26 KB

All Risks Proposal Form

PDF, 200.41 KB

What we
don’t cover

Any member of your workforce or household staff who is concerned as principal or accessory.

Damage resulting from:

✖︎ Wear and tear, depreciation, gradual deterioration, mildew, moth, vermin or any process of cleaning, dyeing, repairing, restoring or renovating.

✖︎ Mechanical or electrical breakdown or derangement.

✖︎ Overloading or strain.

✖︎ Scratching or denting of any article, breakage of lenses, and breakage of brittle articles such as glass china earthenware, marble and gramophone records – unless caused by theft or fire.

✖︎ War, invasion, acts of foreign enemies, hostilities or war-like operations (whether war is declared or not) or civil war.

✖︎ Mutiny, strike, riot and civil commotion, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.

✖︎ Confiscation, nationalization,  requisition and destruction or damage to property by or under the order of any government, public or local authority.

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

Important Information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the policy contract for the precise terms and conditions of this insurance plan. The information is for reference only and is accurate as of 30 June 2012.

Note: As we want you to be fully satisfied that this policy will serve all your needs, please read it carefully. For a better understanding, discuss it with your agent or contact us directly.