General Insurance

A comprehensive protection for businesses against a wide range of risks and perils that can result in damage or loss to their assets.

• Section 1 – Covering the material damage to your property insured against all risks and perils, subject to the exclusion.
• Section 2 – Covering the consequential loss caused by the insured perils on the gross profit, additional cost of working and rental incurred during the recovery period.

To be taken together with a Fire or All Risks policy, this insurance covers the same perils stated in the Fire or All Risks policy.

Should your business operation be disrupted by a fire outbreak or happening of any of the insured peril, you will be compensated for loss of gross revenue, profit or other income. You will also be reimbursed for the additional cost of working such as renting alternate premises, additional wages, and other charges, that need to be incurred during this recovery period.

Cover your business machinery and equipment against accidental loss or damage whether in your premises or at the work site.

Protect your business physical assets against accidental loss or damage caused by theft consequent upon actual violent entry or any attempted threat into and upon your business premises.

Cover accidental loss or damage to cash, currency notes, cheques, money order, and postage stamps while in your business premises or in transit.

Cover your physical assets transported by ship, rail, air, or land under the Institute Cargo Clauses A, B or C. The scope of cover ranges from “All Risks” cover under Clause A to a cover for specified perils under Clause B and C.

Be reimbursed for direct pecuniary loss sustained by acts of fraud or dishonesty committed by your employees.

Be indemnify for the cost of replacement of broken glass of similar quality or the value of the glass situated at your business premises if it is accidentally broken.

Cover your business legal liability against third party for bodily injury or damage to property arising from accidental negligent acts of your employees while engaging in business activities.

Indemnify against all sums for which you shall be liable to pay compensation either under the legislation or at Common Law if your employee sustains personal injury by accident or disease arising out of and in the course of his/her employment.

The Work Injury Compensation Act is to protect all employees in general who are engaged under a contract of service or of apprenticeship, regardless of their level of earnings.

The Act stipulates that it is compulsory for all employers to have a Work Injury Compensation Insurance covering for all employees doing manual work, as well as all employees earning $2,600 or less a month.

Receive the appropriate insured benefits if the insured suffers accidental bodily injury resulting in death or disablement arising from an accident.

Comprehensive travel insurance indemnifies against unforeseen travel inconveniences and medical expenses including COVID-19 cover during a business-related trip.

A package insurance specially designed for small and medium sized enterprise (SME).  To protect your business with a comprehensive insurance plan that covers six business risks in one policy.

• All Risks
• Business Interruption
• Cyber Risks
• Public Liability
• Money
• Fidelity Guarantee

United SME Business Plan is suitable for most of the trades including Office, Retail Shop, Health & Beauty Spa, Food and Beverage and Medical Clinic.