Sustaining a business is not easy, and if the unexpected happens to disrupt your operations, your income will be affected.

SME BI 365 is specifically designed to protect Micro, Small & Medium Enterprises (MSMEs), retail, commerce, and service sectors* so you can stay afloat even after your business operations are interrupted by an unforeseen event.

This product provides additional protection and to be purchased with a Fire De-tariff Material damage policy.

*based on product eligibility

  

Key Features

Loss of Net Takings

Covers your lost income during the downtime, so your cash flow doesn’t suffer.

Increased Cost of Working Expenses

Covers additional expenses to get your business back on track quickly and at least retain your loyal customers.

  

Complimentary Additional Benefits

Book Keeping Cost

Helps you to manage the paperwork.

Sub limit: shall not exceed 1% of the total sum insured for the policy or RM10,000, whichever is lower for any one occurrence and in the aggregate per policy basis during any one Period of Insurance.

Average Relief (85%)

Protects against underinsurance. 

You shall not bear a rateable proportion of the loss if the sum insured of Net Takings exceeds 85% at the time of loss.

 

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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 website, or contact our customer service.