Zurich SME Business Insurance / Takaful

Z Business

A needs-based customised solution for your business protection.

As a business owner or manager, you’d rather not worry about the fine details of protecting your business. That is why we have tailored 3 types of comprehensive SME Business solutions for you to choose from, so that all you need to do is focus on growing your business while we will take care of protecting it. At Zurich, you can be assured of receiving the best service in the industry and the most competitive price!

Z ONE BUSINESS

For those who want a straight forward yet comprehensive coverage

Z FLEXI BUSINESS

For those who want to be empowered to decide their coverage of their business

Z MAX BUSINESS

For those who run large SME businesses

What benefits do I get?

Customised Solutions

Each product offers 3 types of plans for you to choose from, that would best suit your business segment

Discounted Rates

Get up to 30% discount for your Fire Insurance / Takaful 

Flexibility

A combined single limit for Z ONE Business (Non Fire Classes) coverage which allows you to divide the entire limit amount as needed 

Guaranteed Acceptance

When you meet our 3 simple pre-underwriting rules:
  • Applicable to Construction Class 1A and 1B only
  • No previous loss > RM 10,000
  • Your proposed insurance / takaful has not been declined / cancelled / refused renewal previously

Complimentary Benefits 

Enjoy complimentary benefits that are applicable for all segments:
  • Anti-theft system replacement
  • Cleaning cost
  • Personal effects

What kind of product and coverage is right for me?

Here is an overview of our Zurich SME solutions. Each product offers 3 types of plans for you to choose from, that would best suit your business segment.
For more information, please download the relevant brochure in "Where can I get more information?" section below. 
PRODUCT  Z ONE Z FLEXI Z MAX
No. of Employees Up to 10 employees Up to 30 employees
FIRE SECTION
Fire Up to RM 10 million RM 10 million - RM 50 million
Fire Consequential Loss (Optional) Up to RM 10 million RM 10 million - RM 50 million
Equipment All Risks (Optional) Up to RM 5 million
NON FIRE SECTION / PACKAGED SECTION
Burglary

Combined Single Limit
RM 50,000 – RM 150,000

 

 

 

 

 

Up to 10 employees

RM 30,000 - RM 75,000 RM 200,000 - RM 1 million

Money in Transit / Premises

Up to RM 20,000 (in transit)
Up to RM 50,000 (in premises)
Up to RM 50,000 (in transit)
Up to RM 100,000 (in premises)
Goods in Transit RM 10,000 - RM 30,000
(Optional)
RM 20,000 - RM 50,000
(Optional)
Plate Glass (including Signboard) Not Applicable Not Applicable
Fidelity Guarantee RM 10,000 - RM 30,000
(up to 30 employees)
RM 20,000 - RM 50,000
(up to 30 employees)
Employer's Liability

RM 250,000 - RM 1 million

RM 100,000 - RM 300,000
(Optional)
RM 250,000 - RM 1 million
(Optional)
Public Liability RM 250,000 - RM 1 million RM 500,000 - RM 2 million
BUSINESS SEGMENTS
Food and Beverages
Manufacturer
Motor Showrooms and Motor Workshop
Office and Services
Retailer  
Tourism
Wholesalers and Distribution
Hotelier

 

 

Where can I get more information?

Brochures

Contact us.

Zurich SME Business

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