Flexi SME 365

9 Essential Covers for your business needs

The Flexi SME 365 policy provides a comprehensive policy with flexible solutions that would match the business needs of any Small and Medium Enterprise (SME).


Protect your business from various threats and rest easy, knowing that your business is secured.


Choose a minimum of 2 out of the 9 essential covers that we offer.


9 Essential Covers*


(1) All Risks

  • Coverage for property destroyed, damaged or lost by accident.


(2) Burglary

  • Coverage for any part of the property within the premise which is damaged or lost by burglary.


(3) Money

  • Coverage for loss of money from any cause while in transit.
  • Coverage for loss of money (insured) within the premises.


(4) Fidelity Guarantee

  • Coverage for any pecuniary loss sustained by any act of fraud or dishonesty committed by the employees.
  • Note: Pecuniary Loss is a loss that can be evaluated in money/financial terms.


(5) Plate Glass

  • Coverage for any breakage of glass.


(6) Machinery Breakdown

  • Coverage for any unforeseen and sudden physical loss or damage to machinery from defects, design related faults, bad workmanship etc.


(7) Group Personal Accident

  • 24-hour worldwide insurance protection against death, permanent disablement and bodily injury caused by accidental, violent, external and visible means.


(8) Employer’s Liability

  • If you are legally liable to compensate your employee for any claim of any injury/illness arising from any accident in their course of employment, this coverage will provide compensation on your behalf.


(9) Public Liability

  • In connection with your business, if you are legally liable to compensate any third party for any claim of bodily injury and property damage, this coverage will provide compensation on your behalf.


*All these covers are subject to the terms and conditions of the policy



  • Flexibility on the sum insured that caters for your needs (subject to maximum limit).
  • One premium, one policy, and one stamp duty only.
  • Complimentary legal defence cost of up to RM10,000.



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Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.