GENERAL INSURANCE

Motor Comprehensive insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, accidental or fire damages to your car and theft of your car.

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Motor Comprehensive insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, accidental or fire damages to your car and theft of your car.

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Motorcycle Plus covers your motorcycle against liabilities to other parties for death or bodily injuries, damages to other parties' properties, accidental or fire damages to your motorcycle and theft to your motorcycle.

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Personal Accident insurance provides compensation in the event of bodily injuries, disabilities or death caused by accidents.

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Bond is an instrument to guarantee the performance of the Contractor in fulfilling the contractual obligations and terms.

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Fire insurance covers your property against losses or damages caused by fire, lightning and explosion caused by domestic gas.

The policy can be extended to cover the following risks by paying additional premium:

Aircraft Damage
Earthquake and volcanic eruption
Storm, Tempest
Flood
Explosion
Impact Damage
Bursting or Overflowing of Water Tanks Apparatus or Pipes
Bush / Lalang
Subsidence and Landslip
Spontaneous Combustion
Riot Strike and Malicious Damage
Damage by Falling Trees or Branches and Object

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Fight fire with fire insurance

Having that fire extinguisher alone will not suffice in the event of a raging fire that could threaten to burn down your building and goods. When you have a fire, the damage can go beyond just the burnt material that could bury a business under the soot for good.
Safeguard your business from the heat
Insurance policy provides coverage for buildings owned by the business, and in any event to protect the contents of your premises, such as machinery, equipment, stock, furniture against damages caused by Fire and/or Lightning.
Property to be insured may consists of the following:
Building
Property Rental
Plant and Machinery
Business Furniture, Fixtures and Fittings
Stock-in-trade
In addition, the following expenses due to an insured peril can also be insured:
Removal of Debris
The policy can be extended to cover the following perils:
Aircraft damage
Earthquake and volcanic eruption
Storm, tempest
Flood
Explosion
Impact damage
Bursting or overflowing of water tanks, apparatus or pipes
Bush / Lalang fire
Subsidence and Landslip
Spontaneous combustion
Riot strike and malicious damage
Damage by falling trees or branches and objects

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Fight fire with fire insurance

Having that fire extinguisher alone will not suffice in the event of a raging fire that could threaten to burn down your building and goods. When you have a fire, the damage can go beyond just the burnt material that could bury a business under the soot for good.
Safeguard your business from the heat
Insurance policy provides coverage for buildings owned by the business, and in any event to protect the contents of your premises, such as machinery, equipment, stock, furniture against damages caused by Fire and/or Lightning.
Property to be insured may consists of the following:
Building
Property Rental
Plant and Machinery
Business Furniture, Fixtures and Fittings
Stock-in-trade
In addition, the following expenses due to an insured peril can also be insured:
Removal of Debris
The policy can be extended to cover the following perils:
Aircraft damage
Earthquake and volcanic eruption
Storm, tempest
Flood
Explosion
Impact damage
Bursting or overflowing of water tanks, apparatus or pipes
Bush / Lalang fire
Subsidence and Landslip
Spontaneous combustion
Riot strike and malicious damage
Damage by falling trees or branches and objects

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The All Risks insurance covers all risks except the risks which are specifically outlined to be excluded in the policy.

Coverage:

Losses or damages to your property due to fire, theft or any other accidents or misfortunes
Losses or damages caused by perils unless such perils are specifically excluded in the policy

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Whether you are a house owner or a tenant, Allianz ensures your home is well protected through our Houseowner and Householder plans.

The Houseowner plan covers your house structure including the walls, roof, fixtures and fittings, garages, gates and fences, while the Householder plan covers your house contents like household goods, personal effects and other moveable possessions.

Coverage:

Fire, lightning and domestic explosion
Damages caused by aircraft and impact by vehicles or animals
Bursting or overflowing of water tanks or pipes
Theft and burglary
Flood, hurricane, typhoon, windstorm
Loss of rent
Public liability

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Through the Marine Cargo insurance, we provide you with high level protection against all risks during the transportation of goods and merchandise – anywhere from the time your goods leave the premises of the seller until the time they arrive at the buyer’s premises. It covers the loss or damage to during the movement of the cargo from one port or country to another. The conveyance can be by Sea, Air or Land. Either the buyer or the seller can purchase the Marine Cargo insurance depending on your sales contract which most commonly is Free On Board (FOB), Cost and Freight (C&F) or Cost, Insurance and Freight (CIF).

Wide range of Allianz Marine Cargo products
Global technical expertise plus local knowledge for all classes of marine insurance
Worldwide claims network and local claims handling capability
Inspection and risk management service capabilities
Tailored to Individual Policies (per shipment basis) or Open Cover Policies (provides automatic protection for regular import or export shipments or domestic trades)

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Through the Marine Hull insurance, we provide you with high level protection to cover loss or damage to various types of ships or vessels and their equipment, including specialist cover for other marine insurance options and interests: Hull and Machinery, War and Strikes, Brown Water Hull, Offshore and Support Vessels, Yachts and Pleasure Craft, Third Party Liability, Increased Value, Builder’s Risk.

Wide range of Allianz Marine Hull products
Global technical expertise plus local knowledge for all classes of marine insurance
Worldwide claims network and local claims handling capability
Inspection and risk management service capabilities

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Take precautions against theft

Break-ins and burglaries of commercial premises pose serious challenges to businesses. For a businessmen who have taken care to insure the stock against fire, but not against burglary should reflect for a moment on the following scenario –arriving at work one morning to discover the premise is broken into, and stocks have disappeared. Such incidents are by no means uncommon, and can bring about huge financial loss to your business.

Insure your business against all possible losses

Your MSIG Burglary Insurance offers coverage if such properties were stolen or damaged by burglars. Loss as a result of armed robbery is also covered. Thieves frequently damage building and such damages would also be covered.

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Money protection

No more worries about robbery when you travel to the bank at the end of the day to deposit your day's earnings.

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ALL RISK/MACHINERY & EQUIPMENT/PERSONAL ALL RISKS
The All Risks insurance covers all risks except the risks which are specifically outlined to be excluded in the policy.
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As a business owner, you would want to protect yourself against your legal liability to anyone who walks into your business premise.
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Through the Marine Cargo insurance, we provide you with high level protection against all risks during the transportation of goods and merchandise – anywhere from the time your goods leave the premises of the seller until the time they arrive at the buyer’s premises. It covers the loss or damage to during the movement of the cargo from one port or country to another. The conveyance can be by Sea, Air or Land. Either the buyer or the seller can purchase the Marine Cargo insurance depending on your sales contract which most commonly is Free On Board (FOB), Cost and Freight (C&F) or Cost, Insurance and Freight (CIF).

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The Mobile Plant and Equipment insurance covers mobile equipment such as forklifts, excavators, mobile cranes, tractors and other self-propelled vehicles which are not licensed for road use. It is also suitable for static heavy equipment which operates within the premises or in the open. This policy covers the losses or damages to the equipment, its standard accessories and parts due to:

Accidental collision or overturning consequent upon mechanical derangement
Fire, external explosion, self-ignition or lightning
Burglary, housebreaking or theft

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The Fidelity Guarantee insurance is able to mitigate employee infidelity risk by providing indemnity to the employer against loss of money or property as a result of acts of fraud or dishonesty of any employees such as forgery, embezzlement, larceny or fraudulent conversion. Most business owners are not prepared to face the infidelity of their employees and its negative implications. It is not unusual to know of situations where employees suddenly go missing with a substantial amount of company money or assets.

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Plate glass in showrooms, offices, shops and buildings can be insured under the Plate Glass insurance. Shattered windows or glass doors can leave your business premises unprotected and vulnerable to theft. The Plate Glass insurance is an “All Risks” cover which indemnifies you for any glass broken by fracture extending through the entire thickness of the glass as a result of an accident or misfortune.

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Golf seems like a perfectly relaxing pastime, but accidents can happen out there on the course. It only takes an unexpected gust of wind or a nasty hook or slice to send the ball the wrong way. What if the ball hits a person? MSIG Golfer’s Insurance is a must for golfers. It pays for loss or damage of golfing equipments and protects you with a personal accident cover, legal liability to third parties for bodily injury or damage to property, plus of course, a hole-in-one award.

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An Insurance cover specially designed to indemnify you against loss or damage caused by fire, lightning, explosion, aircraft damage, impact damage, bursting or overflowing of water tanks or pipes, hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption and flood to your household goods and personal effects.
Full Theft Coverage
Accidental Death & Permanent Disablement
Liability to third party
Domestic Medical Assistance Programme

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The Professional Indemnity (PI) insurance protects a professional such as an accountant, solicitor, architect and engineer against his legal liability to pay damages to persons who have sustained financial loss arising from his own professional negligence or that of his employees in the conduct of the business. The insurance offers indemnity strictly on legal liability basis. In addition to indemnifying the professional against his professional liability, the PI insurance also indemnifies him for defence cost and expenses incurred in respect of a claim.

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Comprehensive General Liability insurance (CGL) is commonly acquired by contractors who undertake contract of works or service in industries like oil and gas, telecommunication, power plants, engineering, IT etc. as part of the contract requirements. A contractor must produce a CGL policy to the principal before the commencement of works. The CGL insurance indemnifies you against your legal liability for property damages or bodily injuries to a third (3rd) party caused by an accident while carrying out the works. In addition, the policy will indemnify you to a defined limit for defence costs and expenses incurred in respect of a claim.

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Directors and Officers Liability insurance is designed to protect directors and officers of companies against personal liability that they might incur in respect of amounts which they are liable for, in respect of claims made against them arising out of the performance of their duties.

Coverage:

Civil damages and settlement costs
Any claim made against the directors and officers
Can be extended to cover past, present & future directors and officers of holding companies, subsidiary companies, outside directorships, lawful spouse, estates, heirs or legal representatives, Employment Practices Liability (non-entity), additional notification of 45 days and advance payment of defense cost

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Special Occupation Personal Accident insurance is designed especially for people who are working in occupation groups which are normally excluded under the standard personal accident insurance, such as those working in the construction and manufacturing sectors, offshore platforms, etc. This insurance provides 24 hours protection in the event of injuries, disability or death solely caused by accidents.

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Product Liability cases have greatly increased over the recent years, especially in more litigious parts of the world like the USA, Canada, Australia and Europe. Whether you’re a manufacturer, a vendor, a supplier or an exporter, you are exposed to the risk of product liability claims. In fact, any point in the chain of commerce is exposed to this risk. Here are some reasons why you need Product Liability insurance.

Defects in the design, manufacture, packaging or labelling of the product can result in injury to the user or damage to his or her property. Other factors causing or contributing to the defect can also surface in the process of storage, transporting and handling of the product. Any one of these causes can be a valid reason for the consumer to file a liability claim against the exporter. The damage or injury may not even be caused by a defect in the product and yet the consumer may still file a claim against the exporter seeking payment for damages for alleged or imagined defects.
From the mere fact that the product is available for use or consumption by the public a possibility for product liability claim exists, perhaps from a dissatisfied customer.
You might believe your products are flawless. In some jurisdictions, even the deliberate misuse of a product can be a basis for liability claims regardless whether or not the product was used properly and for its intended purpose.
Product Liability insurance indemnifies the insured for sums which you become legally liable to pay as damages for bodily injury or property damage to third party arising out of the defective products. In addition, the policy will indemnify you for defence costs and expenses incurred in respect of a claim to which the policy applies. The limit of indemnity is inclusive of defence cost and expenses incurred in respect of a claim to which the policy applies.

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You can’t predict the future, but you can be prepared for it. Enjoy wider medical coverage and protect you and your family with the most comprehensive medical plan.

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Key features

Free yourself from financial worries with our hospital insurance.
Recuperation Cash Benefit
Emergency Outpatient Benefit

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Life can be unpredictable, full of ups and down, being diagnosed with a critical illness can be tough for you and your family. Early treatment brings higher chances of recovery. An Unique critical illness plan that provides extensive coverage against critical illnesses from Early to Advanced stages. This plan helps you to seek early treatment before a covered critical illness worsens.

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