FWIG is a security deposit required by the Immigration Department from employer for the employment of foreign workers (excluding Domestic Maid) under the Regulation 21 of the Immigration Regulation.
It serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event of deportation of the foreign worker back to his/her country of origin due to various reasons, such as breach of the Immigration Act, involve in illegal activities and many more.
Plate Glass is an insurance plan that covers accidental breakage of fixed glass, which shall be considered plain or of ordinary glazing quality whilst situated at the insured’s premises from any cause other than those specifically excluded in the policy. In the event of breakage (which term does not include damage by scratching) of any item of glass specified in the policy schedule, the policy pays or make good the intrinsic value of the glass together with the cost of any necessary boarding up pending its replacement.
The main exclusions are:
Fire or explosion
War, invasion or act of foreign enemy hostilities
Typhoon, flood, earthquake and volcanic eruption or other convulsion of nature
Breakage of lettering unaccompanied by breakage of glass
Breakage or damage to frames or framework
Cost of removing or replacing fixtures or fittings
All Risks (Personal Effects) is an insurance plan that indemnifies the Insured for loss of or damage to insured personal effects due to accident or other misfortunate whilst within the Territorial Limit, i.e. Malaysia, Singapore and elsewhere in the world during temporary visits, unless specifically excluded in the policy.
Burglary Insurance is an insurance plan that covers loss or damage to insured property caused by theft consequent upon actual, forcible and violent entry into or exit from the premises or damage to insured property or to the premises as a result of theft or any attempt thereat, including armed hold-up.
All Risks (Office Equipment) is an insurance plan that indemnifies the Insured for loss of or damage to insured office equipment due to accident or other misfortunate unless specifically excluded in the policy. This plan is extended to cover: i) property temporarily removed for cleaning, renovation, modification, repairing or other similar purpose, elsewhere on the same or at any other premises; ii) property temporarily stored anywhere in Malaysia and Singapore not more than sixty (60) days.