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.
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
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?
Product Disclosure Sheets
- Z Flexi Business Insurance - Product Disclosure Sheet (322.76 KB/PDF)
- Z Flexi Business Takaful - Product Disclosure Sheet (334.73 KB/PDF)
- Z Max Business Insurance - Product Disclosure Sheet (321.02 KB/PDF)
- Z Max Business Takaful - Product Disclosure Sheet (333.25 KB/PDF)
- Z One Business Insurance - Product Disclosure Sheet (322.56 KB/PDF)
- Z One Business Takaful - Product Disclosure Sheet (334.51 KB/PDF)
Policy Wordings / Certificate Wordings
-
Z One Insurance
- Z One Business Insurance Policy Wordings - Manufacturing (740.64 KB/PDF)
- Z One Business Insurance Policy Wordings - Retailer (738.99 KB/PDF)
- Z One Business Insurance Policy Wordings - Tourism (651.31 KB/PDF)
- Z One Business Insurance Policy Wordings - Food & Beverages (647.13 KB/PDF)
- Z One Business Insurance Policy Wordings - Motor Showroom & Motor Workshop (737.93 KB/PDF)
- Z One Business Insurance Policy Wordings - Office & Services (645.52 KB/PDF)
- Z One Business Insurance Policy Wordings - Wholesales & Distribution (740.61 KB/PDF)
-
Z One Takaful
- Z One Business Takaful Certificate Wordings - Manufacturing (759.29 KB/PDF)
- Z One Business Takaful Certificate Wordings - Retailer (762.4 KB/PDF)
- Z One Business Takaful Certificate Wordings - Tourism (665 KB/PDF)
- Z One Business Takaful Certificate Wordings - Food & Beverages (673.08 KB/PDF)
- Z One Business Takaful Certificate Wordings - Motor Showroom & Motor Workshop (761.87 KB/PDF)
- Z One Business Takaful Certificate Wordings - Office & Services (660.8 KB/PDF)
- Z One Business Takaful Certificate Wordings - Wholesales & Distribution (760.52 KB/PDF)
-
Z Flexi Insurance
- Z Flexi Business Insurance Policy Wordings - Office & Services (716.08 KB/PDF)
- Z Flexi Business Insurance Policy Wordings - Food & Beverages (715.95 KB/PDF)
- Z Flexi Business Insurance Policy Wordings - Manufacturing (735.61 KB/PDF)
- Z Flexi Business Insurance Policy Wordings - Motor Showroom & Motor Workshop (716.33 KB/PDF)
- Z Flexi Business Insurance Policy Wordings - Retailer (737.23 KB/PDF)
- Z Flexi Business Insurance Policy Wordings - Tourism (719.44 KB/PDF)
- Z Flexi Business Insurance Policy Wordings - Wholesales & Distribution (736.24 KB/PDF)
-
Z Flexi Takaful
- Z Flexi Business Takaful Certificate Wordings - Office & Services (658.06 KB/PDF)
- Z Flexi Business Takaful Certificate Wordings - Food & Beverages (671.92 KB/PDF)
- Z Flexi Business Takaful Certificate Wordings - Manufacturing (766.48 KB/PDF)
- Z Flexi Business Takaful Certificate Wordings - Motor Showroom & Motor Workshop (667.23 KB/PDF)
- Z Flexi Business Takaful Certificate Wordings - Retailer (754.44 KB/PDF)
- Z Flexi Business Takaful Certificate Wordings - Tourism (658.63 KB/PDF)
- Z Flexi Business Takaful Certificate Wordings - Wholesales & Distribution (763.81 KB/PDF)
-
Z Max Insurance
- Z Max Business Insurance Policy Wordings - Hotel (736.22 KB/PDF)
- Z Max Business Insurance Policy Wordings - Manufacturing (751.33 KB/PDF)
- Z Max Business Insurance Policy Wordings - Motor Showroom & Motor Workshop (732.79 KB/PDF)
- Z Max Business Insurance Policy Wordings - Wholesales Distribution (750.18 KB/PDF)
-
Z Max Takaful
- Z Max Business Takaful Certificate Wordings - Hotel (748.42 KB/PDF)
- Z Max Business Takaful Certificate Wordings - Manufacturing (751.45 KB/PDF)
- Z Max Business Takaful Certificate Wordings - Motor Showroom & Motor Workshop (750.29 KB/PDF)
- Z Max Business Takaful Certificate Wordings - Wholesales Distribution (750.42 KB/PDF)