ENTREPRENEUR-BUSINESS

Small Medium Enterprises (SME)

Runnig a business comes with risks such as fire, theft, accident or even employee dishonesty can cause unexpected losses. Islamic General Takaful helps protect your business, employees and assets in a Shariah compliant and ethical way by giving you peace of mind to focus on growth.

Owner’s (Landlord) Liability

If you own the property such as shop lot, office, warehouse and commercial building for renting, should protect the building structure, fixtures permanently attached, liability as a landlord and rental income.

Tenant Liability

For those who rent the property, still need to protect the business content such as stock, furniture & fittings, office equipment, machinery and renovation (tenant’s improvement).

Fire

Loss or damage to building, stock or equipment due to fire or explosion. To protect business property from major disaster.

Consequential Loss

Covers loss of profit after fire or accident to keep your business financially stable after disruption.

Burglary

Damage to business contents caused by burglary or theft involving forced entry into the premises.

Money

Loss of money due to theft, robbery, or other insured events whether the money is in your premises or being transported to the bank.

Fidelity Guarantee

Loss due to employee dishonesty or fraud. To protect business funds from internal theft.

Public Liability

Legal liability for injury,property damage and legal costs to others. To protect your business against 3rd party claims (customer, visitor, supplier, contractor or public).

Employer’s Liability

Compensation to employees injured during work. Full fills legal and moral obligations to staff.

Equipment /All Risk

Accidental damage to machinery, computers or tolls. To ensures business operations continue smoothly.

Plate Glass

Provides protection for fixed glass installations in your business premises such as shopfront windows, display panels, mirrors or glass doors. If your glass is accidently broken or damaged, this Takaful covers the replacement and repair costs, helping you avoid sudden financial loss.

Machinery Breakdown

Protect your business against sudden and unexpected physical loss or damage to machinery while it is in operation or at rest. The coverage helps you repair or replace damaged equipment quickly so your business can continue running without major interruption. Consequential loss coverage also knows as loss of profit coverage protects your business income if operations are interrupted due to damage covered under machinery breakdown takaful.

Product Liability

Protect your business against legal liability for injury or property damage caused by product, this coverage helps you pay for compensation, legal costs and defence expenses by giving your business financial and reputational protection.

Legal liability for bodily injury or property famage caused by a defective or harmful product. Worldwide coverage (optional extension for export).

Good in Transit

Protection for goods, stock or materials while being transported from one place to another by road, rail or inland waterways within Malaysia. It covers loss or damage caused by accidents, theft, fire or mishandling during transit, giving your business peace of mind every time goods are moved.

Marine Cargo

Provides protection for goods and merchandise against loss or damage while being transported by sea, air or land whether for import, export or domestic delivery. It ensures your cargo is protected throughout its journey from origin to destination under a shariah compliant plan.

This plan is ideal for importers and exporters, manufacturers and distributors, logistics and trading companies. SMEs involved in domestic or international shipping.

What it covers 

Loss or damage to cargo.

Covers accidental loss or damage due to perils of the sea, fire, theft, collision, overturning or natural disasters.

Transit coverage

Protection during all stages of transit from warehouse to port, shipment and final delivery.

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