Product Overview
Stay ahead of disruptions and safeguard your business
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 is interrupted by an unforeseen event.
This product gives you additional protection and to be purchased with a Fire De-tariff Material damage policy.
*based on product eligibility
What's included
Discover the protection and benefits included in your plan.
Key benefits
These features differentiate the SME BI 365 plan from other plans. Discover the exclusive benefits designed to give you superior protection.
-
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.
-
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.
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 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.
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 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.
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.
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.)
Need more help?
Browse our other business insurance options to find the best coverage for your needs.
Have a question or need to make a claim? Our team is here to support you.