Product Overview
We cover your property and physical assets against damage resulting from fire, lightning or domestic explosions and it may be extended to cover other additional named perils such as Aircraft Damage, Bursting Water Pipes, Storm Tempests, Earthquakes, Floods and all other perils as per RFT (Revised Fire Tariff).
Non tariff extend coverage providing more protection and benefit resulting from an insured peril.
Our product covers small, medium and large risks, giving you the comprehensive coverage customized to your business needs.
Occupancies that are applicable to this product:
- Dwelling properties including flats, apartments & condominiums
- Departmental stores, emporiums, supermarkets, mini markets & shopping complexes
- Office buildings & contents
- Universities, colleges and education institutions
- Hospitals, nursing homes, orphanages, welfare homes, veterinaries, surgeries including animal hospitals
- Hotels, boarding houses, rest houses and chalets
*Subject to Liberty Insurance Berhad's Underwriting Guidelines.
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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.
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.
New Special Extensions
Trace & Access
Covers the necessary and reasonable cost of damages in premises with the policy extension fo cover:
- Bursting or Overflowing Water Tanks Apparatus
*up to 10% sum insured or maximum RM 50,000 for the period of insurance
Claims Preparation Clause
Covers up to 10% of the sum insured or maximum of RM20,000 for claims preparation expenses during the period of insurance.
Temporary Protection Costs Clause
Covers up to 10% of the sum insured or maximum RM20,000 cost of temporary protection reasonably and necessarily incurred for the safety of property during the period of insurance.
Inconvenience Allowance
Important Documents
To fully understand your insurance plan, please read these important documents. They provide crucial information such as coverage details, exclusions and your rights as a policyholder so you can make an informed decision.
Must-Read Documents
Product Disclosure Sheet (PDS)
A quick overview of the key details, terms, and exclusions for this plan to help you make an informed choice.
English PDF
Policy Wording
The full terms and conditions of your policy, including what’s covered, exclusions, and your responsibilities.
Other Documents
Marketing Brochure
This is a snapshot of the product’s main features and benefits.
Proposal Form
Use this form if you’d like an offline quote. (No need to fill this out for online purchases.)
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