SME Package

Our Money Policy indemnifies you against the loss of money while:

In transit between your premises and the bank or post office and vice versa At your premises, provided all money is securely locked in a safe, strong room, drawers, cabinets or cash registers. Fire and Consequential Loss / Business Interruption This insurance covers buildings, machinery and stock against the risk of fire, lightning or explosion. Extensions to cover the following perils can also be included for a nominal premium :

• Bursting or overflowing of water tanks
• Impact damage
• Malicious damage
• Riot and strike Your policy can also be extended to cover
• Loss of rent
• Architects', surveyors' and engineers' fees
• Removal of debris

In an increasingly litigious world, businesses need to ensure that they have adequate protection against the risk of being sued. Public Liability Insurance protects you from legal claims in connection with your business for:

• Accidental bodily injury or illness to persons
• Accidental loss or damage to property
• It also includes all costs and expenses of litigation recoverable by any claimant against you
• Costs incurred with our written consent

Marine coverage is a sector that truly benefits from having global strength and presence. The AXA Group operates in over 60 countries, including representation throughout Asia. This extensive regional network means that we have access to a wide variety of resources to ensure we provide a consistently high level of underwriting and claims service.

Plant and machinery represent a large amount of invested capital. Your valuable assets are exposed daily to operational risks and comprehensive insurance is vital. The cost of repair or replacement is not the only issue; when a key item of machinery breaks down it can rapidly have a negative financial impact on your business. You can protect against this eventuality with a Consequential Loss policy tied to the Machinery Breakdown insurance.

Our construction insurance capabilities are well known in Malaysia, AXA Affin having covered projects such as the Kuala Lumpur International Airport, the Kuala Lumpur Light Railway Phase 1, the Bukit Jalil Stadium and the second Causeway between Johor Bahru and Singapore. However large or small your plans, we can help them come to fruition.The Contractors' All Risks (CAR) policy protects against loss or damage to the project works, construction plant and equipment and third party claims connected with the project. Our Erection All Risks (EAR) insurance covers the risks associated with the erection, testing and commissioning of machinery and plant. As with CAR, third party claims are also covered.

Our Electronic Equipment insurance provides wide cover for computers, commercial audio and video equipment, telephone networks, office equipment and the like.

We also offer these solutions to cater to your business needs:

• Workmen's Compensation
• Employer's Liability
• Group Personal Accident
• Motor Fleet Insurance
• Fidelity Guarantee (Employee Dishonesty)
• Plate Glass