This website is best viewed in Internet Explorer 11, or the latest versions of Google Chrome, Firefox and Safari. Use of this website with older browsers may result in the inability to use the site or view the site correctly.

Important Notice 

Dear Valued Customers,

Our head office and branches will be closed from 24 January 2020 (Friday) to 27 January 2020 (Monday) in conjunction with the Chinese New Year celebration.

We will resume operations on 28 January 2020 (Tuesday). For vehicle breakdown, please contact our 24-hour Zurich Roadside Assistance hotline.

We wish all who are celebrating a Happy Chinese New Year and safe travels on the road!


    • Protect the environment. Think before you print.

Fire Insurance

Protect your business from fire-related damages.

There’s plenty we can do to prevent the unfortunate and unsightly event of fire. But when it does happen, we’re here to make sure your business isn’t burned, too. 

Important Notice

Under-insurance / under-coverage of your property can lead to inadequate compensation due to the application of average clause. To get a quick insurance / coverage estimate for your property (ie. residential properties, simple shop houses and shop offices), you may use the Building Cost Calculator, which is jointly developed by Persatuan Insurans Am Malaysia (PIAM) and the Malaysia Takaful Association (MTA). Do note that the calculator provides an estimate of the rebuilding cost of your property for evaluation purposes only, and does not guarantee the actual amount that the we may agree to cover your property for.

Building Cost Calculator (ENG)
Building Cost Calculator (BM)
  • What is the scope of cover?

    The fire insurance policy covers losses or damages to your insured property i.e. the building and its contents; that are caused by fire, lightning or explosion of domestic boilers and gas used for domestic purposes only during the period of insurance.

    You may extend your policy to cover the following perils by paying additional premium:

    • Aircraft damage
    • Earthquake and volcanic eruption
    • Storm, tempest
    • Flood
    • Explosion
    • Impact damage
    • Bursting or overflowing of water tanks, apparatus or pipes
    • Bush / lalang fire
    • Subsidence and landslip
    • Spontaneous combustion
    • Sprinkler leakage
    • Goods and stock undergoing any heating or drying process
    • Riot, strike and malicious damage
    • Damage by falling trees or branches and objects

    Note: You need to renew your fire insurance policy every year.

  • How much are the premiums?
    SUM INSURED RATING
    Above RM 50 Million Special Rating
    PIAM* Technical Rating Committee will determine the special rating
    RM 10 Million - RM 50 Million Self Rating
    Premium rates are computed by Zurich using the self-rating structure provided by PIAM*
    Below RM 10 Million Tariff Rating
    Premium rates are as per Revised Fire Tariff (w.e.f. 1st July 2000)

    * Persatuan Insurans Am Malaysia

    Note: Other charges include commissions paid to the insurance agent and a stamp duty of RM 10.00.

  • How much can I get insured for?

    The coverage is based on the cost of restoring the damaged property or replacing it with a property that is similar in condition to that of the time when the loss occurred.


    For Your Property

    The current cost of reconstructing the building back to its original form, minus deduction justified for betterment.

    Betterment is an addition/alteration to your property which results in it being in a better condition than before the fire incident, for e.g. remodelling the kitchen with cabinets that are more expensive than the original cabinets.


    For Your Personal Belongings

    The cost of replacing a new item, minus deduction for depreciation of value due to wear and tear. Your personal belongings include appliances, furniture and clothing.

  • Contact us.

    Meet a Zurich Insurance Agent

    Meet A Zurich Agent

    Locate Your Nearest Zurich Branch  

    Locate Your Nearest Zurich Branch

    Contact Our Zurich Call Centre     

    Contact Our Zurich Call Centre
  • Where can I get more information?

You might also be interested in:


Protect your bottom line from loss of business due to fire-related damages.

Coverage for the most fragile part of your business premises.