Z BizGuard
All-in-one solution for small business protection.
Empowering your business with comprehensive protection
Running a small or medium-sized enterprise (SME) involves navigating various risks and challenges. Zurich SME Solutions is designed to provide you with comprehensive protection that addresses your unique needs, so you can focus on what matters most: growing your business, knowing you’re protected against unforeseen risks.
CONVENIENCE
Z BizGuard is time-saving and convenient since all quotations and policies are issued on the spot.
FLEXIBILITY
Z BizGuard gives you the flexibility to pick and choose the coverage that you need with Fire Insurance being the main protection.
SUPPORT
You can also be assured of efficient service from our dedicated agents and prompt response from our Zurich Call Centre.
Important Notice on Fire Takaful Cost Calculation
Under-insured / under-coverage for fire of your property can lead to inadequate compensation due to the application of average clause. To get a quick insurance / Takaful 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.
Fireproof your business
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.
Ensure the continuity of your business.
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.
Because when your machinery stops, so does business.
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.
Crime doesn’t pay. We do.
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
Money comes and goes. Make sure it comes more than it goes.
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.
Coverage that won’t crack under pressure.
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.
The next best policy.
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.
Accidents happen. Strike a deal with it.
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.
Protect your employees 24/7.
Cover your employees in the event of injuries, disability or death caused solely by accidental means
| Benefit | Benefit Description | Sum Insured (RM) | ||
|---|---|---|---|---|
| Occupation Class 1 | Occupation Class 2 | Occupation Class 3 | ||
| A | Accidental Death and Permanent Disablement | Minimum 10,000 to 1,000,000 | Minimum 10,000 to 500,000 | Minimum 10,000 to 500,000 |
| B | Accidental Medical Expenses depending on Benefit A Sum Insured: | |||
| 10,000 - 100,000 | 1,000 | 1,000 | 1,000 | |
| 100,001 - 200,000 | 2,000 | 2,000 | 2,000 | |
| 200,001 - 500,000 | 3,000 | 3,000 | 3,000 | |
| 500,001 - 1,000,000 | 3,000 | Not Applicable | Not Applicable | |
| Occ Class | Description | Example |
|---|---|---|
| 1 | Persons engaged in professional administrative, managerial, clerical and non-manual occupations | Office Clerk, Executive, Cashier |
| 2 | Persons engaged in work of supervisory nature but not involved in manual labour | Site Supervisor, Marketer, Agent |
| 3 | Persons engaged either occasionally or generally in manual work which involves the use of tools or machinery | Construction Worker, Technician, Machine Operator |
Primarily offers statutory benefits for employees who suffer work-related injuries or illnesses.
Provides coverage for legal liability arising from employee injuries or illnesses not covered by Workmen’s Compensation.
Covers sudden and unforeseen physical damage to machinery. It also covers accidental electrical and mechanical breakdowns that need repair or replacement.
Covers sudden and unforeseen accidents that physically affect covered items. There are:
Section I: Covers accidental loss or damage to electronic hardware, including peripherals.
Section II: Covers external data media and the information stored on them.
Section III: Covers extra costs for using substitute Electronic Data Processing equipment.
- Z BizGuard Product Disclosure Sheet BM
- Z BizGuard Product Disclosure Sheet EN
- Z BizGuard Takaful Product Disclosure Sheet BM
- Z BizGuard Takaful Product Disclosure Sheet EN
- Z BizGuard Policy Wordings BM
- Z BizGuard Policy Wordings EN
- Z BizGuard Takaful Certificate Wordings BM
- Z BizGuard Takaful Certificate Wordings EN
Meet a Zurich Insurance Agent
Locate Your Nearest Zurich Branch
Contact our Zurich Call Centre
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.