Optimuz / Takaful Optimuz

You can’t stay cool about a fire. Fires can eradicate entire businesses. And it can happen to you. So make sure you cover loss and damage to your business premises and its contents, as a result of fire or lightning or domestic explosions. Depending on your needs, our basic policy can be enhanced to cover other causes of loss such as flood, earthquakes and even riot and strikes.

Fire can cause irreversible losses, not just material but financial. Fire Consequential Loss Insurance offers additional insurance to help cover those losses that occur because your business can’t get back on track after a fire. It takes into consideration losses such as loss of Gross Profit due to turnover reduction, increase in working cost and additional expenses incurred as a result of business interruption caused by fire. 

Getting an insurance cover for industrial machinery and commercial equipment which are vital to your business is a must. Equipment All Risks Insurance protects both mobile as well as immobile equipment such as printing machines and food packaging machines, among others. Your fleet of tractors, forklifts, bulldozers which are not licensed for general road use, can be covered against accidental collision, overturning, theft and malicious acts.

Burglaries and theft happen when you least expect it, so be prepared. A basic coverage for loss of and damage to valuable items that are stored in your business premises due to theft by forcible entry and armed robbery is advisable for all businesses.

You work hard to make more money, so you certainly won’t want to risk losing your cash. Money Insurance covers loss of money as a result of burglary or robbery.

Money Insurance covers Money in Transit, such as cash sales, on your way to the bank or money withdrawn for wages, on the way back to your office.

It also covers loss of Money in Premises, which means cash, cheques, postal or money order, stamps and bills of exchange stolen from your business premises.

People who live in glass houses shouldn’t throw stones! Take it literally, as it can cost you a small fortune to replace any glass structure. Plate Glass Insurance is specially designed for businesses with glass doors , windows, glass panels and showcases. It covers accidental breakage of glass in the premises but does not cover disfiguration or damage other than fractures extending through the entire thickness of the glass.

It's a sound policy - not to take honesty for granted.Though you trust your employees, we suggest you lessen your risk of loss of monies, negotiable instruments or company goods as a result of employee dishonesty or fraud. 

Should an accident happen on your business premises, and someone - a child, a customer or a visitor - is hurt or injured, you could be held responsible. Public Liability Insurance is what you need to deal with compensation claims your business may face under these circumstances.

Employees are the life of your business. Provide them the protection they deserve. Give them the benefit of 24-hour protection against any accidental injury , anywhere in the world.

In every organisation, there are individuals who are vital to the success of the business, and its day-to-day operations. Protect them at all costs. With Keyman Personal Accident Insurance, your business will also be compensated for the financial impact of losing these personnel in an accident.

You need the right plans to retain the best teams. Employee First is a yearly renewable group term life insurance policy that truly cares for your employees’ welfare and well being. It offers 7 different plans to suit your requirements. It covers death, accidental death and disablement(ADD), total and permanent disability and much more. In fact, the ADD benefits provide coverage up to an additional 400% of the plan's basic sum assured.

* Employee First is underwritten by Zurich Life Insurance. This plan can only be sold by Zurich Sales Advisor who own the a life license. For more information, please refer to a Employee First brochure.