A comprehensive insurance plan that covers not only your building, but all insured contents within, including furniture, fittings and everything in between, against damages caused by fire and lightning, natural perils, external impacts as well as any other sudden, unforeseen circumstances. Your property can be extended to cover the following perils:

  • Damage caused by aircraft and other aerial devices and/or articles dropped therefrom
  • Earthquake and volcanic eruption
  • Storm, tempest and flood
  • Explosion
  • Impact damage by road vehicle
  • Bursting of overflowing of water tanks apparatus or pipes
  • Electrical installation
  • Riot, strike and malicious damage

Legal Shield - Fire

Legal Shield

Benefits of Coverage

Commercial Contract Disputes Disputes with suppliers and customers over contract for the sale or supply of goods and services
Criminal Prosecution Defense of a prosecution against you in a court of criminal jurisdiction An appeal by you against the service of a remedial or stop-work order under the Workplace, Safety and Health Act
Employment Disputes Defense of disputes with prospective employees, current employees or ex-employees in respect of their contract of employment, or any employment related legislation
Property Disputes Pursuit or defense of disputes over possession of your property, terms of your tenancy agreement and alleged negligence, damage or nuisance to your property
Data Protection Defense of claims arising from the Personal Data Protection Act 2010
Statutory License Pursuing former employees for breach of their non-solicitation restrictive covenants


Terms

  • This Legal Shield claim is limited to RM 100,000 of any one claim/any one year, whichever comes first
  • This embedded coverage benefits are only limited to Fire policyholders

FAQ - Potential Claims Scenarios

Contract Dispute – with a customer

A business owner agreed to handle some goods for a new customer. The usual warehousing standards and shipment tracking were in place and the goods were delivered on time in good condition. However, the customer failed to make payment and refused to pay despite many reminders were sent as she claimed the goods were delivered in poor condition. Luckily, he kept all the evidence to prove that the customer acknowledged the goods were delivered in good condition and he demanded that the customer to make full payment or legal action would follow. 

The invoice remained unpaid, however the business owner used the policy and managed to get himself covered by the Legal Shield Insurance for RM 51,000 of legal cost incurred in pursing the customer and enforcing the contract in court.

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