Zurich SME Business Insurance / Takaful

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 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

Z SME Business Insurance Brochure (ENG) (370.53 KB/PDF)

Product Disclosure Sheets

Policy Wordings / Certificate Wordings

Contact us.

Zurich SME Business

Name (as per NRIC)

NRIC No.

Gender

Male

Female

Mobile No.

City

State

Are you an existing Zurich Malaysia policyholder?

Yes

Which product are you interested in?

No. of Employees:

Are you also interested in these employee benefits? (Tick all that apply)

Group Hospitalisation & Surgical

Corporate Travel

Message:

I hereby allow Zurich Malaysia and/or its intermediaries to contact me on matters relating to this enquiry. For this purpose, Zurich General Insurance Malaysia Berhad, Zurich Life Insurance Malaysia Berhad, Zurich Takaful Malaysia Berhad and all other Zurich Insurance Group subsidiaries operating in Malaysia, are referred to as 'Zurich Malaysia'.