Commerical Insurance


Protection of Business Assets   Employees Benefit

The below is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy contract and will be sent to you upon acceptance of your application by UOI.

You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you.

To find out more about these products, please contact our Business Development Department at 6222 7733 or email your enquiry to us for follow up.

Protection of Business Assets

Fire Insurance

Protect your buildings, stocks in trade and other physical assets against accidental loss or damage caused by any one of the following perils:

  Fire and lightning
  Riot and strike
  Malicious damage
  Bursting or overflowing of water tanks, apparatus or pipes
  Impact by road vehicles
  Earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm, and flood arising therefrom
  Smoke damage
  Sprinkler Leakage

Business Interruption Insurance

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.

Machinery All Risks/Equipment All Risks

Cover your business machinery and equipment against accidental loss or damage.

Burglary & Theft Insurance

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

Money Insurance

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

Marine Cargo Insurance

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.

Fidelity Guarantee Insurance

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

Plate Glass Insurance

Recover 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.

Public Liability Insurance

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.

Employees Benefit

Work Injury Compensation Insurance

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 covers all employees in general who are engaged under a contract of service or of apprenticeship, regardless of their level of earnings.

Group Personal Accident Insurance

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




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